In the past, the life insurance industry was a gentleman’s business. Clients typically met with an agent that represented a good company, they became comfortable with the person, the company and its products and in turn stayed with the agent and the company for all future insurance purchases. We refer to this as anesthetized marketing. Today, there are fundamental changes to pricing, policy performance, policy guarantees and distribution going on constantly all of which have positively impacted the opportunities for clients to find vastly improved health profile evaluations and the subsequent pricing of the coverage they seek.

Our company is focused on providing clients with financial predictability. Regrettably, ours is an industry with a high level of agent turnover, which means that there are many clients that have no servicing agent; even worse are those clients whose current agent is now focused on investment management. Clients consistently tell us they do not understand the information they receive from the insurance companies and don’t have anyone to translate the insurance jargon into anything that provides clarity for them. Our responsibility is to provide easy-to-understand information to our clients and their advisors so they can make informed decisions.