Your plans need insurance that actually works. That's the part we do — in writing.
For estate attorneys, CPAs, fee-only advisors, and SBA lenders whose clients need insurance counsel without insurance pressure. You keep the relationship. Every recommendation we make is written for your review.
An estate plan that needs liquidity, a buy-sell that needs funding, a physician client with a disability gap, a trust-owned policy nobody has reviewed since it was placed — these land on your desk, and you can't sell insurance, and you shouldn't have to vouch for someone who will. This page is our answer to the question you're actually asking: if I send you a client, what exactly happens to them?
The commitments
You keep the relationship.
We do insurance analysis and placement — nothing else. No asset management, no tax work, no estate documents, no cross-selling. Your client comes back to you with the insurance question answered and everything else untouched.
Everything is written for your review.
Every engagement produces an advisor review packet: the analysis, the recommendation, the carrier comparison, and — explicitly — what we recommended against and why. It reaches you before your client decides. Our recommendations are built on the assumption that you will read them critically; that assumption is the discipline.
Sometimes the answer is no insurance. We say so.
Suitability is assessed before product. When a review concludes "keep the existing policy" or "no coverage needed," that conclusion goes in the memo — which is precisely what makes the memos worth reading. Send us a client once and judge the work product yourself.
What to send us
- Estate liquidity and ILIT funding — coordinated with your documents, never around them.
- Buy-sell and key-person funding — the insurance that makes your agreement executable.
- Pre-2024 redemption buy-sell reviews — Connelly plus the 2026 exemption re-ran the math on every entity-owned arrangement; we review who-owns-what against current numbers, and "the client is fine" is a result we put in writing. Background.
- Physician and executive disability analysis — group-coverage arithmetic that clients consistently overestimate.
- Trust-owned and in-force policy reviews — the decade-old policy in the file that no one has stress-tested since delivery.
- SBA loan insurance conditions — the declined or complex borrower, the uninsurability documentation, and the post-funding policy review.
- Second opinions on pitches your clients receive — we test the illustration math; your client gets the answer in writing. See how second opinions work.
For SBA lenders and loan officers
The life-insurance condition on SBA loans has a fast lane, and for healthy borrowers it works — we are not asking you to change how you handle the easy cases. The cases to send here are the other ones: borrowers the accelerated paths decline or rate (health history, age, larger amounts), which need full underwriting across an independent carrier panel with the collateral assignment prepared in parallel so the home-office acknowledgment never becomes the last domino; and genuinely uninsurable principals, where the 504 SOP's answer is written documentation of uninsurability from a licensed insurer — a file-clearing service almost nobody offers, produced correctly the first time.
After funding, your borrower gets what no fulfillment process provides: a written review of the rushed policy and an actual planning engagement — buy-sell, key person, the owner's own protection — documented in memos their CPA can read. Two tools on this site were built for your desk: the SBA collateral & insurance calculator, which runs the SOP 50 10 two-test analysis and produces credit-memo language at underwriting time, and the SBA insurance FAQ, which answers the assignment-mechanics questions that otherwise generate calls. The full positioning is on the SBA loan insurance page; every commitment on this page — you keep the relationship, everything in writing, no is a real answer — applies to lender referrals identically.
Judge the work before you send anyone
The fastest way to evaluate us is to read what we produce. Our published worked example — a surgeon, a disability gap, and a $100K/year IUL pitch — shows the analysis style, the stress tests, and the recommend-against discipline your clients would experience. A second example — an executive weighing an annuity for retirement income — shows the same discipline applied to the income side, including where the honest answer was a smaller allocation than pitched. The full process, with the document each phase produces, is on How We Work. A sample analysis memo on a hypothetical fact pattern is available on request.
When the pitch in front of your client is premium-financed life insurance, the stakes are higher and the failure modes are specific. Our premium-financing primer for advisors lays out how the structure actually works, the five places it breaks — rate risk, collateral calls, lapse-and-tax, exit risk, and suitability drift — and a checklist of questions to ask before your client signs. It includes an interactive demonstration of why the spread between crediting and loan cost decides everything. It is written to help you protect your client, not to sell the strategy.
How the practice runs
Independent, Florida-licensed (2-15), no carrier exclusivity, compensated by carrier commissions only when a client implements — disclosed to clients in exactly those words. Based in South Florida; engagements run by video or at your office, and the first conversation with you requires no client at all. Bring a fact pattern, or just bring questions about how we'd handle one.
Have a client situation — or want to pressure-test us first?
A conversation costs thirty minutes. Bring an anonymized fact pattern and we'll tell you exactly how we'd run it.
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