Who This Is For

For Whole Life Insurance

I work with individuals interested in putting a minimum of $20,000 per year into a custom whole life insurance policy (or a combination of adult and juvenile policies totaling at least $25,000 in annual premium). This type of custom life insurance plan works best for most established, highly profitable, business owners with consistent cash flow and other high income earners who are already satisfied with the amount they are saving into their retirement plan, and want the additional insurance protection, savings, control, capital, and the unique credit benefits of participating (dividend-paying) whole life insurance.

For Term Life Insurance

I work with individuals who are interested in buying 25-30x their income in convertible term life insurance to cover their full Human Life Value (HLV). This type of policy works best for individuals who are not yet ready for the high premiums of whole life insurance, but plan to convert their term insurance to whole life insurance in the future.

For Disability Insurance

I work with individuals who want to insure at least $10,000 of their monthly income against loss due to illness or injury.

For Annuities

I work with individuals who want to put a minimum of $500,000 of savings into an immediate or deferred fixed annuity to provide current or future guaranteed income.

For Unwanted Life Insurance Policies

I work with individuals aged 67-74 who no longer want their guaranteed universal life or convertible term life insurance. I shop the market for them, and help secure a buyer for the policy so they can get cash for an otherwise “worthless” life insurance policy. Minimum face amount of the policy must be $150,000 for GUL policies and $250,000 for convertible term insurance.

Who I Work With

I work with established, high income, “capital intensive” business owners and professionals who are unsatisfied with the mainstream financial advice they’ve been receiving, and want a more conservative and liberating insurance-centric approach to financial planning that provides exceptional protection for their income and savings.

Many of my clients are people who came to me because they wanted a second opinion about a policy illustration or proposal they received from another agent, or needed help fixing an insurance plan that just wasn’t working the way it should for one reason or another.

Today, about 70% of my work is reviewing proposals from other agents and often fixing problems others agents don’t know how to fix, or fixing insurance plans other agents have somehow managed to mess up. It started over 20 years ago when my then-boss handed me a large binder full of orphaned universal life policyholders. I was brought in to fix persistent problems with many underfunded policies, and to provide ongoing service to make sure the coverage stayed in force for the policyholder.

The Rogue Agent - Who I Work With

When I left my employer to become an independent agent, the poor policy designs and bad insurance planning didn’t stop. Since then, I’ve seen countless problems with both universal life and whole life policy designs… and even “simple” term life insurance plans. Policyholders somehow kept finding me through articles I’d written on the Internet, or interviews I gave on various podcasts, or through referrals and who else knows where… and over time, I earned a reputation for being able to fix “problem policies” or proposals made by other insurance agents.

How Meetings Are Conducted

All meetings are conducted online using video meeting software and the good old-fashioned telephone. Most life insurance applications, and other necessary related documents, are filled out, transferred, and handled digitally. If you are approved for a new insurance policy, even your policy is delivered digitally (imagine that!).

What You Can Expect From Me

Once you’ve finished scheduling your meeting, you will receive a confirmation email with a clickable link inside it that will take you to the virtual meeting room on your scheduled meeting day. Keep this email safe—it is required to access the virtual meeting room.

Here is the 7-step insurance planning process I use with every client:

  1. Schedule a virtual meeting with me. Usually this is a video chat meeting, but could also be a phone call meeting. We’ll discuss your vision for the future and what your current financial plan look like. We’ll review any proposals you have from other agents, current insurance policies, and also discuss what’s working, what’s not, and what you’d like to change. If you are getting rid of an unwanted policy, we’ll discuss pros and cons of selling the policy, whether the transaction is beneficial and suitable for you, as well as potential options for a sale.
  2. If you’re considering a new policy, I’ll gather “hard facts” from you. I need to know your income, expenses, assets, and general state of health, whether or not you use nicotine products, what your normal lifestyle is like, how you plan to pay for the insurance policy, who you want as beneficiaries on the policy, and so on. We’ll also discuss how long you want to pay premiums for (or, in the case of annuities, how much you want to set aside for the policy), what you want to use the policy for, contingencies, and other relevant details.
  3. We’ll agree on a policy (or policies) you need to make your insurance plan work, and I’ll design them for you. This might take up to a week to design (possibly longer), depending on the complexity of the case, your goals, and any special considerations we need to bring to the underwriting department. However, many policies can be designed within a few days.
  4. I’ll set up the application for you. You’ll fill out the application, and then we’ll both sign the app and submit it to the underwriting department. If you have any questions about the application or underwriting process, please read about The Policy Design, Underwriting, And Planning Process. 
  5. Underwriting will make a decision on whether or not to approve the policy and will send notification to both you and I. You will have up to 30 days to accept the policy.
  6. Once you accept the policy, you typically have 10 days to look over the policy and decide whether or not you want to keep it (exact time varies by state). 
  7. I’ll service the policy for as long as you’re a client in good standing. I also provide ongoing education and support via phone, email, and video meetings. The only limitation here is I only provide service for policies I have designed and sold to you. There is no extra charge for this service. Over time, you’ll also learn how to do important (but simple) policy servicing for yourself. If you ever have questions or problems, I’ll be right here to help you.

Ready To Talk?

If you want to discuss insurance planning with me, or you just want me to review some existing policies or proposals you have, you can schedule a meeting with me, here.

Not Ready To Do Business With Me Just Yet?

If you’re not ready to do business with me yet, I invite you to join my email list.