What it's like to work with us.
Five steps. Education-first. No pressure. Most clients tell us this looks nothing like what they expected from an insurance conversation.
Discovery Call (Free, 30 min)
We listen. We ask about your stage, your goals, and what's already in place. We don't pitch products on the first call.
What you'll need
Your time. A general sense of your situation.
What we'll do
Listen, take notes, identify what we'd want to dig into next.
Typical timeframe
30 minutes
Comprehensive Review
Together we gather the full picture — income, assets, debts, family structure, taxes, existing coverage. We share a secure document portal; nothing leaves your environment without consent.
What you'll need
Recent statements (insurance, retirement accounts, brokerage), tax returns, will/trust docs if relevant.
What we'll do
Build a clean, single-page snapshot of where you stand.
Typical timeframe
1–2 weeks
Custom Strategy Built
We design a layered plan across Protect / Accumulate / Distribute / Transfer. We compare 2–3 carriers per product. We share a written plan you keep.
What you'll need
An open mind and 60 minutes for the presentation.
What we'll do
Build the plan; compare carriers; quantify trade-offs.
Typical timeframe
1–2 weeks
Implementation
We coordinate underwriting, applications, medical exams, and policy delivery. We handle the paperwork. We brief you at each milestone.
What you'll need
Signatures, a 30-minute medical exam if required.
What we'll do
Application prep, carrier coordination, delivery review.
Typical timeframe
4–8 weeks depending on underwriting
Annual Review & Adjustments
Life changes — kids, income, business, tax law — and so does the plan. Every year we review, adjust, and document. You always know where you stand.
What you'll need
An hour each year.
What we'll do
Send the review pack, walk through any changes, file updated docs.
Typical timeframe
60 minutes per year
Independence
We compare carriers head-to-head. No carrier quotas, no preferred partners with hidden agendas.
Education-first
If we can't explain it in 90 seconds, you shouldn't buy it.
Multi-carrier comparison
Every recommendation includes a written carrier-comparison summary.
Long-term partnership
Annual reviews are non-negotiable. Plans don't survive without them.
Pressure-sell
No artificial deadlines, no fear-based pitches, no 'today only' nonsense.
One-size-fits-all
We don't believe in templates. Your plan is built for your situation.
Lock you in inappropriately
Permanent products require a real fit. If term is right, we'll say so.
Common questions about how this works.
Discovery → strategy delivery is typically 2–4 weeks. Implementation depends on underwriting (4–8 weeks for life and DI policies). Total: ~6–12 weeks from first call to issued policies.