We believe insurance should be a coordinated element of the planning process—not a bolt-on product or an afterthought. We specialize in custom insurance design for families and professionals navigating complexity, where the margin for error is small and the stakes are high.
Founded by Eryka Morehead, CIS exists to solve for the unseen risks that can quietly unravel even the most sophisticated planning. Our role is focused and clear: to design and implement insurance strategies that integrate seamlessly, align with the intent of the plan, and hold up under pressure.
Personal Experience.
Professional Precision.
The heartbeat of Collaborative began long before it became a business. At 13, Eryka Morehead’s family lost their home in a fire just days before Christmas—an event that sparked a lifelong passion for protection. A few years later, her mother was diagnosed with a brain tumor, a reminder that even the strongest families can face sudden, life-altering events. Those experiences shaped her conviction that insurance isn’t about worst-case scenarios—it’s about building certainty into life’s most important plans.
After years in real estate, financial services and succession planning— including hands-on experience transitioning a family business—Eryka noticed a persistent gap: even the most affluent families, surrounded by world-class advisors, often had insurance that was misaligned, misunderstood, or entirely missing. It was the orphaned asset in otherwise impeccable plans.
Collaborative Insurance Solutions was created to close that gap—independent by design, relentlessly client-focused, and technically precise. We are the insurance partner your plan has been missing.
Meet the Team
Designed for Complexity.
Trusted for Execution.
Collaborative Insurance Solutions is not a generalist shop—we are a specialty firm built for families, their attorneys, and their advisory teams. Our role is narrow by design, allowing us to bring unmatched depth and precision to one of the most overlooked elements of sophisticated planning: protection.
What Distinguishes Collaborative
Focused Expertise in Advanced Insurance Design
We work exclusively in insurance strategy. That singular focus allows us to go deep into structuring, layering, and coordinating coverage for clients with business interests, estate complexity, and generational wealth transfer needs.
Strategic Independence, Broad Access
As an independent firm, we’re not tied to any one carrier or product. We access a national marketplace, enabling us to match product architecture to plan strategy with zero bias and full transparency.
Disciplined Integration with Planning Teams
Our work is intentionally embedded into the advisory process. We collaborate with attorneys, CPAs, and fiduciaries to ensure the insurance design complements the legal, tax, and cash flow framework—without creating conflict or redundancy.
Precision Execution with White-Glove Support
From underwriting through policy placement, every step is choreographed for accuracy, discretion, and efficiency. Our internal team reviews every design, oversees every moving part, and delivers implementation that supports—not distracts from—the broader plan.
OUR PROCESS
Built for Complexity.
Delivered with Clarity.
When it comes to sophisticated planning, insurance should never be an afterthought—or an obstacle. Our process is intentionally structured to support the level of nuance, coordination, and discretion that complex plans require.
Discovery & Contextual Understanding
Before any solution is proposed, we gain clarity around the existing plan. We review legal structures, financial architecture, liquidity strategies, and—most importantly—the family’s values and goals.
This step is about asking the right questions, surfacing unseen risks, and identifying where insurance can quietly enhance or protect what’s already been built.
Strategic Opportunity Mapping
Once we understand the full picture, we begin outlining where insurance may support leverage, control, or liquidity. Our team evaluates existing coverage (if applicable) and models potential scenarios—not to lead with product, but to facilitate informed decision-making.
Each opportunity is mapped with intention, backed by technical insight and guided by the client’s planning priorities.
Insurance Design & Coordination
When insurance is appropriate, we move into design. That includes selecting the right type of coverage, building complementary coverage across carriers, defining ownership and funding approaches, and aligning the contract with the estate or business framework.
Every design is reviewed by our internal team of specialists, then vetted to ensure tax efficiency and alignment with the plan’s legal framework.
Implementation & Coordination
We manage the full execution process—from medical underwriting to final policy delivery. We serve as the point of coordination across advisors, ensuring everything is documented, aligned, and unobtrusively integrated.
The outcome: clean execution, precise documentation, and a strategy that holds up over time.
