Indexed universal life
Cash value credited by index performance with a floor and a cap. The most common chassis for financed and accumulation designs.
Life insurance brokerage & case design
The right carrier, the right product, underwritten well
We work with nearly every national carrier writing life insurance. Our job is to match the case to the carrier whose underwriting, pricing and contract fit it best.
Products
Life, health and supplemental benefits. Never property and casualty.
Whole life
Guaranteed premiums and cash values, with dividends from mutual carriers. A conservative base for estate and business plans.
Guaranteed universal life
Lifetime death benefit at the lowest premium, with minimal cash value. Built for pure estate liquidity.
Survivorship (second-to-die)
One policy on two lives, paying at the second death, when estate taxes typically come due.
Variable universal life*
Cash value invested in subaccounts, for clients who want market exposure inside the policy.
*Variable universal life products are available through securities licensed agents only.
Term & convertible term
Low-cost protection for a defined period, and a bridge while a permanent plan is designed.
Living benefits
Long-term care, disability and supplemental coverage
Planning for a long life is as important as planning for death. These products protect income and assets while the client is living.
Long-term care
Traditional and hybrid life/LTC policies that pay for home care, assisted living and skilled nursing.
Disability income
Individual and high-limit disability coverage for physicians, executives and business owners.
Accident & hospital indemnity
Fixed benefits paid on covered events, alongside major medical coverage.
Section 125 supplemental
Pre-tax supplemental benefits for employers through our Oak125 program.
Business planning
Coverage designed around the company
Buy-sell funding
Cross-purchase and redemption agreements funded so surviving owners can buy out an estate.
Key person
Protects revenue, lending relationships and valuation if a critical person dies.
Executive benefits
Split-dollar, executive bonus and multi-life plans for recruiting and retention.
Succession
Liquidity for transfers to family, partners or management on a planned timeline.
Underwriting
Large cases are won or lost in underwriting
We prepare each case so the underwriter sees the full picture the first time.
- Informal inquiries. Anonymous medical and financial pre-screens across several carriers before a formal application.
- Financial justification. A cover letter that explains the need, the net worth and the coverage already in force.
- Impaired-risk shopping. Carriers differ widely on specific conditions. We go to the ones that rate them best.
- Jumbo and reinsurance capacity. Placement strategies for face amounts above a single carrier's retention.
- Case underwriting with Crump. Most of our life cases are underwritten and processed with Crump Life Insurance Services, one of the industry's largest brokerage general agencies.
Distribution partners
The infrastructure behind every case
Crump Life Insurance Services
Crump's underwriting, advanced sales and back-office teams support our large and financed cases from informal inquiry to policy delivery.
- ~$13B
- Annual insurance and retirement product premiums managed
- 145,000+
- Active insurance policies supported
- $100B+
- Life insurance protection represented annually
First FinancialResources
First Financial Resources (FFR)
Oak is a Member of FFR, the industry's only 100% Member-owned life insurance distribution group, founded in 1987. FFR gives us direct relationships with leading carriers, shared resources and a national network of peer firms.