Life Insurance Concepts is a nationally recognized life insurance practice that provides cutting edge expertise to our clientele who understand and appreciate the value of life insurance in their estate protection and wealth transfer objectives. We provide counsel and guidance to our clients and their advisors with the inherent challenges they face in designing and monitoring their insurance portfolios. Our expertise extends to strategies involving life insurance as well as product selection and construction. Over the past forty years, the principals of Life Insurance Concepts have consistently delivered a high level of results to individuals, families and businesses across the country. These affluent clients demand state of the art advice concerning their entire insurance portfolios and we understand the importance of working closely with their advisors. We strive to play a pivotal role in helping to bring focus to complex issues involving asset protection, wealth transference and estate planning. Click here to read more.
Life insurance is universally accepted as an effective planning tool. It assists ourclients in achieving their goals to guarantee and preserve family legacies for future generations as well as protect their businesses and families from unexpected and untimely loss. Life Insurance Concepts’ unique experience in the insurance industry can be traced back to our founders, who have developed numerous solutions involving innovative product design and turnkey programs. These solutions were predicated on the tax advantaged purchases of death benefit, alternative distribution strategies, fee-based portfolio audits, and industry leading, carrier approved financing arrangements that have stood the test of time over the past 30 years. Our focus has always been consumer-centric with an unwavering commitment to needs based problem solving.
While there has been undeniable product enhancement over the past several decades, it often feels as if very little has changed. Our firm benefits from experience and a genuine appreciation for progress. The industry constantly changes and evolves and as it does, we adapt and synthesize that change into what we find to be beneficial for our clients.
The premium finance space has undergone considerable tumult since the capital crisis began in 2008. Our dedication to sound life insurance underwriting principles and equally sound financial underwriting standards has safeguarded us from the business that was sold to people who did not have a legitimate need for the death benefit. We took extensive precautions to protect us from abuse. All of our premium finance programs are carrier approved and require that collateral be pledged by the client.
Today, Life Insurance Concepts continues to work with the finest life insurance companies and financial institutions in the world. As a result, we are exposed to cutting edge products from carriers and banks that enable us to combine them into a suite of financing strategies designed to help your clients achieve their estate planning and wealth transfer goals. By working in a collaborative environment with their other professionals, we are free to focus on what we do best.