Life insurance that protects your financial plan.

We partner with advisors to fix, fund, and structure life insurance the right way.

Most insurance fails at the worst time. We fix that.

  • We identify policies that won’t last as long as the client does

  • We fix hidden risks in ownership, funding, and structure

  • We unwind failing contracts and design ones that deliver

  • We align coverage with the estate, tax, and liquidity plan—no surprises later

Done in 3 Easy Steps

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The Silent Risk:

How life insurance can fail even the best financial plans.

Cover of Report

We Solve the Insurance Problems No One Else Sees

High-net-worth Individuals

Fix hidden gaps in existing coverage.

Advisors & Family Offices

Back your plan with insurance that works.

Trustees & Fiduciaries

Avoid risk. Meet obligations with confidence.

Legal, Tax & Business Professionals

Partner with insurance experts, not product-pushers.

“Life Insurance Nerds is my go-to when a case gets complex. They understand how to fit coverage into a larger plan without the usual sales pressure or guesswork. My clients trust them—and so do I.”

— Rachel T., RIA, Chicago

“I’ve worked with a lot of insurance professionals. Most sell product. These guys bring strategy. They helped my client unwind a failing policy and lock in guarantees without disrupting the rest of the plan.”

— Mark R., CFP®, Atlanta

“When insurance is part of the estate plan, I call in the NERDS. They’ve helped my clients avoid major tax surprises and restructure outdated policies. It’s rare to find a partner this sharp and this transparent.”

— Samuel W., JD, Miami

Questions you should be asking:

  • Because the insurance didn’t perform when it mattered most. Too often, policies are sold to meet a sales goal—not to support a long-term strategy. That leads to lapsing coverage, poor ownership structures, and liquidity gaps that surface at the worst possible time. On paper, everything looks fine—until a death, a tax bill, or a distribution need exposes the flaws. We specialize in designing coverage that actually works when it counts.

  • The short answer: the ones that are properly structured. The product matters less than the strategy. Whole life, indexed UL, guaranteed UL—they can all work if aligned with the client’s estate plan. What doesn’t work is forcing a product into a plan it doesn’t fit. We focus on matching the policy to the purpose, whether it’s liquidity, wealth transfer, trust funding, or tax mitigation. The right solution depends on the goal—not the carrier.

  • We start by identifying the failure. That could be an underfunded contract, an outdated ownership structure, or a policy that no longer fits the estate plan. Then we run a full audit, review all options—including 1035 exchanges, policy restructuring, or even unwinding the contract—and collaborate with your legal and tax team to realign the coverage with the current strategy. Sometimes we save the policy. Sometimes we rebuild. In every case, we lead with transparency and put the planning first.

    Learn more about building wealth with life insurance in our Guide to Life Insurance.

  • We’re not salespeople—we’re insurance strategists. We’re independent, so there’s no product pressure. We partner with advisors, fiduciaries, and family offices to make sure life insurance actually supports the plan. That means solving hidden risks, fixing bad policies, and designing new ones that will deliver—without guesswork or vague promises. If the insurance matters, we make sure it works.