Who we are
About Insurance & Estates
The system is designed to keep you in the middle. We show you the exit.
Insurance & Estates was founded by estate planning attorneys. We watched hardworking families do everything they were told and still lose what they built to the market, to probate, and to advice that only looked at one piece of the picture.
We built I&E because we believe you deserve to know what the institutions know, and use it on your terms.
What We Discovered
Estate planning is the one place where everything a family owns has to be accounted for at once. That vantage point taught us to look at the whole picture, how wealth gets built, protected, and passed on, instead of one product at a time.
After years of helping families with estate planning, we uncovered something the conventional financial world doesn’t want you to see: the truly wealthy don’t follow the same advice they give you. They don’t park money in 401(k)s and hope for the best. They build infrastructure: tax-advantaged, contractually guaranteed systems that let them control their capital, access it on their terms, and put every dollar to work in multiple places at once.
The vehicle they use? Properly designed cash value life insurance, what we call The Ultimate Asset.
But the policy alone isn’t the strategy. The strategy is Volume-Based Banking, our proprietary methodology that transforms a whole life policy from a passive savings vehicle into active banking infrastructure. It’s not about rate of return. It’s about volume and velocity: how much capital you move through the system and how fast you recapture it.
Why We're Different
Most insurance websites give you the same recycled content written by freelancers who’ve never placed a policy. Everything on this site is written by licensed practitioners who use these strategies themselves.
Our background isn’t in traditional financial advising. We come from estate and asset protection law, where we saw firsthand what works for families who actually build and preserve generational wealth. That perspective shapes everything we do. We don’t start with a product. We start with your situation.
We believe conventional “wisdom” in financial planning is designed to make institutions wealthy at your expense. A 401(k) can be part of a plan. It shouldn’t be the whole plan. The advice to “buy term and invest the difference” enriches fund managers, not you. We exist to show you the alternative.
Who We Serve
You’re in the right place if you did everything the conventional advisors told you to do and something still doesn’t add up. You followed the baby steps, maxed out the retirement accounts, and yet you’re still trading time for money with no real control over your capital. You sense something is deeply wrong with the system, and you’re right.
Whether you frame it as “the system is broken” or you see the deeper spiritual problem underneath it, you’re looking for the exit. That’s what we built.
Our clients are entrepreneurs, business owners, professionals, retirees, and families who want control over their money and something real to pass on.
What We Offer
Three doors, one plan. Most families start with one and end up needing all three.
Build it
- Infinite banking
- Volume-Based Banking
- Debt elimination
- Real estate and business financing with policy loans
- College funding
Protect it
- Retirement income
- Annuities
- Long-term care
Pass it on
- Estate planning
- Trusts
- Life insurance that gives your family liquidity
We work with top-rated mutual life insurance companies and match every client with the carrier and policy design that best serves their specific goals, not a company’s sales quota.
More Than an Inheritance
Most estate plans answer one question: who gets what, and when. A dynasty trust can do more. When the trust owns the life insurance, each death benefit refills the trust and can fund coverage for the next generation, so family capital is renewed instead of spent down. Paired with a clear family mission, it passes on responsibility along with resources. It takes coordinated design between the attorney, the trustee and the insurance professional, which is the work our team does together.
How We Work
We don’t do high-pressure sales calls. Our Pro Client Guides are strategic advisors who walk you through the process at your pace. You explore our educational resources first. When you’re ready, your Pro Client Guide maps out your situation, designs a strategy around your goals, and partners with you for the long haul, not just through the application, but for the life of your plan.
This isn’t a transaction. It’s a partnership built on education, clarity, and trust.
Start Here
If you’re new to I&E, start with our free educational resources to build your understanding before talking to anyone. No forms, no pressure, just clear information that helps you see what’s possible when you stop following conventional advice and start building real financial infrastructure.
Ready to take the next step? Meet our Pro Client Guides and schedule a conversation on your terms.
Ready to take back control?
Talk with one of our Pro Client Guides: real experts, no pitch, no pressure. Your first call is about your numbers and your goals, nothing else.