Let's focus on your legacy with outstanding Life Insurance services.
Our experienced life insurance team provides sophisticated programs to affluent individuals, families, business owners and executives who won't settle for off-the-shelf solutions. Your situation is unique and we want you to feel confident about what you are leaving to your loved ones.
Life Insurance Advisors
Life Insurance Overview
The Power of M Financial
We are proud to be one of over 130 independent firms to qualify as a member of the M Financial Group. As a member firm of M Financial, we are able to give our clients access to a suite of life insurance products developed specifically for high-net-worth individuals and only available through M Financial Group's member firms. Our relationship with M Financial and M Partner Carriers allows us to better serve our clients from policy design and underwriting through delivery and ongoing maintenance.
An Equity Stake
M Financial Re, a reinsurance subsidiary of M Financial Group is owned by M member firms and reinsures a large percentage of member firm business. By investing more than $50,000,000 each year, M member firms have an equity stake in their businesses and a vested interest in their clients.
Benefits to our Clients
Because of equity stake in the business we place, we have access to data and experience (mortality, persistency, volume and underwriting) that allows partner insurance carriers to develop products exclusively for our clients. These proprietary products often perform better and cost less than shelf products offered in the general marketplace and allows for cost improvements on existing policies. We are able to provide industry leading new products while honoring existing relationships at the same time.
Our Life Insurance Services
Businesses
- Buy-Sell Funding
- Succession Planning
- Key Person Planning
- Deferred Compensation Plans
- Disability Income Replacement Programs
Affluent Families
- Estate Tax Planning
- Estate Equalization
- Wealth Transfer
- Charitable Giving
- Private Placement Life Insurance
Executives & Professionals
- Supplemental Retirement Plans
- Personal Life Insurance Planning
- Disability / Income-replacement Coverage
- Long-term Care Planning
Audits & Policy Review
Client circumstances and objectives are ever-changing as is the life insurance marketplace, which is why Rose Street Advisors has long been leaders in providing life insurance audits and reviews as part of our services. In addition, we provide reviews as a resource to other professional advisors such as CPAs, estate planning attorneys, family offices, independent trustees and Wealth Management Advisors.