No Cost · No Obligation

Get an honest second opinion — including "what you have is fine."

Insurance is one of the few things people buy without ever getting a second set of eyes on it. If you own a policy and aren't sure it still fits — or someone has put an illustration in front of you and you'd like it stress-tested before you sign — this is a way to get an independent, analytical read. Sometimes the answer is "here's what I'd change." Often it's "what you have is fine, keep it." Both are real answers, and there's no cost and no obligation either way. Tell me what you're looking at; it takes about a minute.

What a second opinion is — and isn't

It's a plain-English read on a policy or a pitch: whether the coverage matches the need, whether the illustration's assumptions are realistic, and whether the structure and ownership make sense. It is not a sales appointment in disguise.

How it works, and why "no" is a valid outcome

After you send this, we'll set a short call to make sure a review is actually useful for your situation before anyone spends time on it. If it is, you share the document — an in-force statement, or the illustration you were handed — and you get back a written read: what holds up, what to question, and what, if anything, is worth doing. If what you have is right, the honest answer is to keep it, and that's the answer you'll get.

This is analysis, not a pitch. The valuation of a business, the drafting of a trust, and the tax treatment of any change stay with your CPA and attorney — the insurance read is the part we do, alongside them. Nothing here is a recommendation until we've actually looked at your specifics together.

Tell me what you're looking at

Request your second opinion

About a minute. This goes straight to me — it isn't stored anywhere or shared.

What brings you here?

I own a policy and want an honest readYou have coverage in force and want to know whether it still fits — or whether something's changed. I'm being pitched a policy and want it checked firstSomeone handed you an illustration. You'd like it stress-tested before you sign anything. I'm not sure what I haveYou'd like help understanding a policy or a general question answered — a fine place to start.

What kind of coverage?

A rough answer is fine — pick the closest, or "not sure."

Type of policy

Do you have the illustration or statement handy?

What's prompting the review? (optional) A premium increase, a pitch you're weighing, a life change, or just a check-up — a sentence is plenty

Where should I reach you?

Name

Phone (optional)

Preferred contact

No pressure, and no is a valid outcome. A good share of reviews end in "keep what you have" — that's a real answer, not a failed one. Sending this doesn't commit you to anything; it starts a conversation about whether a review would even be useful.

A second opinion is educational analysis, not a recommendation, quote, legal advice, or tax advice. No recommendation is made until an actual review of your specific documents and situation, and any policy placement requires underwriting. The valuation, legal, and tax pieces of any decision remain with your CPA and attorney. This form composes an email from the information you enter and sends nothing on its own — no data is stored on this page or transmitted to any third party.

Would rather just talk it through?

If a form isn't your style, a short call works just as well. Same idea — an honest read, no pitch, no obligation.

Schedule a short call instead