Protecting outcomes. Preserving legacies. Strengthening sophisticated planning.
Even the most sophisticated planning can unravel without properly integrated risk strategies. Insurance, done right, protects outcomes—not just assets. It ensures that carefully constructed legal, tax, and financial strategies hold up under pressure. We help attorneys, advisors, and high-net-worth families design and implement protection strategies that preserve intent, reduce friction, and deliver confidence—without disrupting the broader plan.
When Risk Is Overlooked, So Are Outcomes
In complex planning, even minor gaps in insurance strategy can lead to major consequences. We often see issues like:
- Mismatched ownership and beneficiary designations that trigger unintended taxes or disputes.
- Policies underperforming projections due to outdated assumptions, interest rates, or dividend scales.
- Unfunded premium commitments that erode liquidity or force asset sales at the wrong time.
- Lapsed or expiring coverage that leaves estates, businesses, or family members exposed.
- Inadequate long-term care provisions that drain personal or business resources.
- Failure to integrate insurance into the overall estate and tax plan, creating avoidable complexity.
- Outdated trusts or structures that no longer align with the family’s wealth transfer strategy.
A well-integrated risk strategy protects more than assets—it preserves intent, relationships, and outcomes.
Sophisticated Insurance Design for Families and the Experts Who Advise Them
We are not a generalist firm. Collaborative Insurance Solutions delivers highly specialized insurance guidance—seamlessly integrated into your planning process. We support:
- Families seeking to preserve wealth, protect legacy, and plan with precision
- Technical experts—advisors, attorneys, and CPAs—who require a trusted partner in complex insurance matters
- Planning scenarios where nuance matters and off-the-shelf solutions fall short
- Multi-generational strategies that intersect with tax, timing, and long-term risk
Who We Serve
The Confidence of Knowing Your Plan Will Hold Up
With CIS as your trusted partner in insurance:
Risk is identified and addressed, not ignored
The design holds up—even when life doesn’t go as planned
Everyone at the table is working toward a cohesive plan
Insurance integrates seamlessly with legal structures to preserving intent
Family relationships are protected through clear planning
The Result?
Confidence that the work you’ve done will deliver when it matters most. See how we’ve helped advisors and families protect what matters most
I’ll never forget the day a specialty physician walked into my office and asked, “Why do I have to buy life insurance and then use
Sarah, recently divorced and navigating a new chapter in life, was focused on securing her financial future. With two adult daughters who were both
Dr. Michael, a 34-year-old orthopedic surgeon, is the primary earner for his family. With a salary of $630,000 and three young children, his financial
Michael and Laura Thompson, owners of an Iowa farmland portfolio valued at $30 million, faced a dilemma of how to preserve their legacy while
