Our Strategic Process

1. Initial Visit

  • Assess current goals and objectives
  • Collect authorization forms
  • Needs analysis

2. Research and Analysis

  • Order in-force ledgers
  • Evaluate annual statements
  • Run product benchmarking
  • Preliminary medical underwriting

3. Data Collection

  • Order medical records
  • Order insurance exam
  • Order RX check
  • Discuss ownership and beneficiary structure
  • Gifting and/or premium analysis

4. Strategic Packaging

  • Receive and review medical records and exam
  • Full medical analysis and positioning
  • Informally submit case to carriers

5. Finalize Pricing

  • Negotiate insurance offer
  • Order additional information if needed
  • Identify product opportunities
  • Identify design opportunities

6. Client Meeting

  • Finalize ownership and beneficiary structure
  • Finalize gifting and funding requirements
  • Discuss product direction
  • Collect formal applications

7. Deliver Policy

  • Review policy
  • Collect premium
  • Collect delivery signatures

8. Annual Review

  • Insurance carrier financial analysis and ratings
  • Reconfirm ownership and beneficiary structure
  • Reconfirm goals and objectives