Capabilities

Life Insurance

Preserving Wealth

With over five billion dollars of life insurance already in force, SMB’s industry influence, expertise and resources are well established. Our proprietary product offerings, technical design and implementation proficiency and large case death benefit portfolio structuring are unparalleled in the wealth planning marketplace.

Executing Strategies Effectively

SMB aligns best practices for designing sophisticated life insurance programs, administering client policies, and monitoring ongoing product performance. We are a leading member of the M Financial Group, which is a unique nationwide network of select independent insurance & investment firms dedicated exclusively to serving wealthy individuals, successful corporations and their executives. The combined benefit of SMB and M Financial provides innovative and proprietary solutions tailored to meet each client’s financial needs.

Through our 50+ years of experience we have come to understand and think “differently” about the sophisticated use of life insurance products in an individual or family’s wealth preservation plan.

SMB’s partners, through our collective industry experience, take a holistic and strategic view to the wealth planning process that includes risk management as a cornerstone, and incorporates our commitment to go “beyond policies,” beyond the status quo – to arrive at innovative solutions and funding strategies that help our clients protect and promote their financial futures.

Our market influence and strong client advocacy has earned SMB an industry-leading reputation as a creative thought leader when it comes to designing and creating life insurance structures, backed by “legendary” client service and a fierce dedication to our clients who we serve.

We go above and beyond serving as an “insurance advisor” – our SMB process is our secret sauce that allows for creating customized and tailored wealth transfer strategies and solutions – born out of wisdom and knowledge that comes from many years of advising individuals, families and their trusted advisors.

Executing Strategies Effectively

SMB aligns best practices for designing sophisticated life insurance programs, administering client policies, and monitoring ongoing product performance. We are a leading member of the M Financial Group, which is a unique nationwide network of select independent insurance & investment firms dedicated exclusively to serving wealthy individuals, successful corporations and their executives. The combined benefit of SMB and M Financial provides innovative and proprietary solutions tailored to meet each client’s financial needs.

Through our 50+ years of experience we have come to understand and think “differently” about the sophisticated use of life insurance products in an individual or family’s wealth preservation plan.

SMB’s partners, through our collective industry experience, take a holistic and strategic view to the wealth planning process that includes risk management as a cornerstone, and incorporates our commitment to go “beyond policies,” beyond the status quo – to arrive at innovative solutions and funding strategies that help our clients protect and promote their financial futures.

Our market influence and strong client advocacy has earned SMB an industry-leading reputation as a creative thought leader when it comes to designing and creating life insurance structures, backed by “legendary” client service and a fierce dedication to our clients who we serve.

We go above and beyond serving as an “insurance advisor” – our SMB process is our secret sauce that allows for creating customized and tailored wealth transfer strategies and solutions – born out of wisdom and knowledge that comes from many years of advising individuals, families and their trusted advisors.

How We Are Different

In our consulting model, The Wisdom of We, we encourage three key planning dynamics. All of the advisors come to the table with a genuine desire to collaborate, the technical elements of the plan must work together as seamlessly as the advisors, and the team that creates the plan stays together following implementation to support the client over time.

Our model is supported by the following:

  • Access to Proprietary Life Insurance Products Designed & Priced for the Affluent Marketplace.
  • Underwriting Proficiency to Address a Variety of Potential Medical & Avocation Challenges.
  • Experienced Staff of Long Tenured Marketing & Service Professionals.
  • Annual Review Process that Creates Opportunities & Avoids Disappointing Surprises.
  • Department Expertise In:
    • Estate Preservation Planning – Multi-Generational Perpetuation – Life Insurance as an immediate and liquid asset to offset federal estate tax liabilities.  Helping our clients “keep together” what they have worked their lifetime to “put together” is our mantra at SMB.  Life insurance properly structured can help affluent individuals and families create sufficient immediate cash liquidity to pay federal estate taxes, provide an equitable distribution for heirs in different financial situations, and help create real incentives to ensure that inherited wealth serves to promote the family legacy.
    • Income Replacement for Individuals & Families – Individual Term Life Insurance Policies
    • Income Gift, and Estate Tax Impacts Considered on policies’ construction – Split Dollar Funding for Gift Tax Efficiency
    • Business Continuity, Succession and Transfer Planning for Private Businesses – Buy/Sell Solutions
    • Attracting, Retaining and Motivating Key Employees in Businesses – Supplemental Retirement Income Uses of Life Insurance Planning
    • Charitable Giving Intent – “Giving Back” to the Community – Life Insurance when properly structured can facilitate significant legacy gifts that would otherwise impact heirs.
    • Annual Policy Reviews and Audits Process for Life Insurance Portfolio Management – Our proprietary SMB insurance audit is a thorough, unbiased assessment of a policyholder’s existing life insurance portfolio.  The goal is to make certain the existing portfolio meets the intent, new objectives and risk tolerances of the client.  Our audit benchmarks the current portfolio cost and performance based upon reasonable assumptions and compares them to the expected costs and performance of other market appropriate products.  We offer this service to our existing and future SMB clients as a part of our ongoing client services.

Expertise Delivered

  • Whole Life
  • Universal Life
  • Survivorship Universal Life
  • International Life Insurance
  • Private Placement Life Insurance* (PPLI)
  • Private Placement Variable Universal Life* (PPVUL)
  • Variable Life*/Indexed Universal Life
  • Term Life
  • Annuities
  • Variable Annuities*
  • Survivorship Whole Life
  • Survivorship Variable Universal Life*

Expertise Delivered

  • Whole Life
  • Universal Life
  • Survivorship Universal Life
  • International Life Insurance
  • Private Placement Life Insurance* (PPLI)
  • Private Placement Variable Universal Life* (PPVUL)
  • Variable Life*/Indexed Universal Life
  • Term Life
  • Annuities
  • Variable Annuities*
  • Survivorship Whole Life
  • Survivorship Variable Universal Life*