Commissions significantly erode the value of insurance. An 80-90% commission on year-one premiums, plus a ten-year commission trail, can’t help but diminish the value received back by the owner.
Fee-only insurance removes 90% of the commission cost from the product allowing the owner to pay lower premiums, receive higher income or earnings and a greater death benefit. We also provide full transparency of each policy’s cost structure as each will vary.
Surrender charges greatly limit your ability to make change since the cost of cancelling (or exchanging) a whole policy can be prohibitive.
Fee-only products are cancellable on any day for zero charge due to the removal of burdensome commissions.
Conflicts of interest caused by those that sell commissionbased insurance products is human and inevitable.
As fiduciaries, our analysis and advice is singularly focused on creating the best and most advantageous outcomes for our clients.
Limitations on available policy options and choice from a single-source is typical within the insurance industry.
Our approach offers a robust marketplace of insurance solutions and providers from foundational forms like long-term care, term, whole life insurance, annuities and universal life, to, advanced forms that utilize our collection of long/short hedge managers to create faster, tax-deferred growth with tax-free distributions for your income needs.
If you’re looking for a safer, more reliable, more productive way to invest along with state-of-the-art tools for impact investing, insurance planning, estate planning and charitable giving, let’s have a talk.