Trust Owned Life Insurance Solutions

A collaborative offering for financial advisors, insurance agents, attorneys, and trustees.


 

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INDEPENDENT

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DETAILED

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EXPERIENCED

You know your client is counting on you, but…

  • Your expertise is in managing investments.

  • You don’t want to ask your client personal health and lifestyle questions.

  • You don’t want to outsource the process to a large broker.

  • You aren’t licensed to sell life insurance.

Services

  • Estimates of Death Benefit & Cost

    When you don’t do this every day, it’s impossible to know what’s available for your client - and at what price. Two key numbers for any financial or estate plan.

    There’s no need for you to guess.

    Let us provide you with the numbers.

  • Application & Underwriting of Policy

    From start to finish, we’ll take care of and coordinate all aspects of applying for and underwriting the policy.

    There’s no need for you to get bogged down in the process.

    Let us focus on the details while you focus on your client.

  • Ongoing Policy Service & Support

    Obtaining the best policy is only the first step. Just as important to your client’s success is ongoing policy service and support.

    There’s no need for you to recreate the wheel or guess at what needs to be done and when.

    Let us implement our proven annual servicing workflow to ensure everything stays in good order for years to come.

LET'S COLLABORATE

 Collaborate with us to provide your client with the trust owned life insurance solution they need.

Your Client Relationship. Our Life Insurance Solution. Their Success.

 

A Virtual Solution

Based in Indianapolis, Indiana, we can work with trusted advisors and their clients all across the United States.

An Independent Solution

We have access to over 80 top-rated insurance carriers in order to obtain the maximum death benefit for the best price for your client.

An Effective Solution

While we can’t control the life insurance application process, we can proactively navigate it with experience as well as leverage key carrier connections on behalf of your client.

Joanna Habegger, Trust Owned Life Insurance Solutions

We believe doing our job well makes your client relationship stronger.

TOLI Solutions by Invite Wealth Management bridges the gap between people’s needs and the expertise required to place and effectively manage trust owned life insurance policies.

As a trusted advisor to my clients, I understand the weight and value my clients assign to my recommendations, so am selective about my partnerships. We expect you to be selective too and expect only the best from us. A successful collaboration meets your client’s need and adds value to your client relationship.

~ Joanna R. Habegger, Principal | Wealth Advisor

MSW, CTFA, CEPA

 How It Works

1

Schedule a virtual appointment

Use the “Let’s Collaborate” link to contact us to schedule a 30-minute virtual appointment.

2

Strategically collaborate

Your client relationship. Our independent solution. Together we determine the best approach to meet your specific client’s trust owned life insurance need.

3

Deliver for your client

Utilizing our proven application process, we’ll work to obtain and deliver the trust owned life insurance policy that provides your client with the maximum death benefit for the most effective cost.

A specialized solution for valued professionals and their clients.

 
 

An individual or couple that has decided to utilize life insurance as a key component of their estate plan or charitable giving legacy.

 
 

You have a valuable and trusted relationship with your client. They look to you for solutions. But you don’t sell life insurance, or don’t have experience placing and servicing complex, high dollar policies. You don’t want to jeopardize your client relationship. You want to deliver for them.

 
 

Let’s collaborate. As a wealth management team with a select private client group, trust owned life insurance is a cornerstone of estate planning for our clients.

Over the past decade, we’ve refined our process for obtaining and servicing trust owned life insurance policies for our clients:

  • Delicately but thoroughly gathering the required medical/lifestyle information.

  • Discerning the best carrier and product for a particular client and their situation.

  • Deploying all of the experience, knowledge, carrier connections, and expertise collectively available to complete the application and underwriting process.

  • Developing an annual workflow to ensure cash is raised strategically & tax efficiently well ahead of need. Monies are gifted to the trust based on Crummey letter/estate plan timeline, not when the carrier sends the premium due notice (mere days before it’s due)! And, the fiduciary receives an annual review of the policy for their records.