Financial services for business owners, executives, and employees

1. Funding via insurance and annuity products, for the following financial needs of business owners and executives:

Business financial needs:

Partnership agreement funding
Key person indemnification
Business loan protection
Executive bonus programs
Deferred compensation

Personal financial needs:

Family protection
Special needs planning
Retirement planning and pension maximization
Estate conservation and distribution

Charitable giving

The products available include life insurance, disability insurance, long-term care insurance, and fixed annuities from virtually all major carriers in the brokerage marketplace, including excess-market carriers for special risks.

2. Expert assistance on both simple and sophisticated life insurance purchases:

  • A policy can be obtained for virtually any type of underwriting risk, from very healthy to people with a serious illness or adventurous hobby.
  • Advanced capability for international cases and other extraordinary needs.
  • Face amounts range from $100,000-$100 million plus.
  • Available products include term, whole life, guaranteed universal life, and indexed universal life.
  • Favorable funding terms can be arranged, including premium financing, and the sale of existing policies/life settlements.

3. Consulting services for business owners and executives, at no charge:

Life insurance policy audit

  • Helps prevent the lapse of policies that are owned by trusts.
  • Confirms that the premium paid is the most currently competitive.
  • Makes sure that the face amount, coverage period, and policy designations are correct.

Informal business valuation

  • Provides a figure that can be used for completing a buy-sell agreement.
  • The figure can also be used to qualify for purchasing life insurance.
  • If a sale is pending, the number can be used as a starting point for an assessment by a qualified appraiser.

Review of buy-sell agreement

  • Used in conjunction with the informal business valuation to make sure the agreement has the current value of the business.
  • Makes sure that the agreement is funded properly.
  • Confirms that all business transition events are covered.

4. Brokerage services for employees and members of their families:

  • Life insurance, disability insurance, long-term care insurance, and fixed annuities.
  • A term life insurance quote engine is available so people can shop for ballpark rates before speaking with a salesperson.
  • Complimentary consultations with professional representatives.
  • Residents of all 50 states can be serviced.
  • Multiple foreign languages can be accommodated.

5. We are affiliated with a prominent national insurance organization:

(This is the approved text from Crump for use on written marketing materials:)

My firm’s affiliation with Crump Life Insurance Services, a prominent independent wholesale insurance distributor in the United States, provides us with competitive underwriting and sales strategies along with full back office support to help us ensure the right policy fit for your situation.  By utilizing the In-house underwriting and pre qualification process, we strive to have the rate you are quoted be the rate that you get.  We work with and can shop to most major insurance companies in the industry to do the best possible job as a broker for our clients.


Products available: life insurance, disability insurance, long-term care insurance, and fixed annuities.