Life insurance agents
Large-case design and carrier selection, premium finance structuring, underwriting advocacy, informal inquiries and point-of-sale materials. Competitive contracting with nearly every national carrier.
For agents, planners, attorneys & CPAs
Your client. Your relationship. Our case work.
Oak works behind the advisor on large and complex life insurance cases. We bring the carrier access, finance structuring and underwriting experience; you keep the client.
How we support each advisor
Built for the people who bring us cases
Financial planners & RIAs
We model the policy and the loan against the client's balance sheet and liquidity, and provide the documentation your compliance file needs. Fee-based advisors can bring us in as the licensed insurance partner.
Estate & business attorneys
We coordinate policy ownership, ILIT and LLC structures, Crummey gifting and lender requirements with your drafting, so documents and financing line up at closing.
CPAs
Funding schedules, interest projections, seven-pay and modified endowment testing, and gift calculations you can check against the client's tax return.
What you can expect
The standard we hold on every case
- Conservative modeling. Financed cases are shown at stressed rates and below-maximum crediting, beside the base case.
- Written risk disclosure. Interest, collateral, duration and performance risk described plainly for the client.
- One point of contact. A named case manager from first illustration to policy delivery.
- Annual reviews. Loan rate, policy values and collateral reviewed with you every year.