We examine the client’s existing policy to determine if it still meets the needs of the client, as determined in the Discovery Process meeting. If it does not meet the client’s current needs, we will determine if it can be saved or if it needs to be sold. We can then develop a new insurance policy that does meet current needs.
Gathering Appropriate Information
Life Insurance | Disability Insurance | Long-Term Care We have an in-house underwriting team that speaks to the prospect or client to get their medical history and decide what carrier is going to be the best fit for them. We base this decision on their history and will negotiate on their behalf. Our ultimate goal is to get the best possible underwriting class, otherwise known as the lowest price.
Create Customized Solutions
We have an in-house policy engineering team that builds one-off's based on clients unique facts & circumstance, laments and likes.
Present Customized Solution
We will call or meet with the prospect, client, policy owner, and/or advisor to discuss the customized solution.
We receive a decision from the client.
Execution of Decision
Our case management team executes the decision made by the client.
We monitor performance, update changes as they present themselves, and reevaluate the need of each client's policy on a regular basis.
Founders of the “Return on Insurance®” Process
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*Securities offered through Kestra Investment Services, LLC, member FINRA/SIPC.Kestra Investment Services, LLC is not affiliated with Flah & Company or PartnersFinancial. Flah & Company is a member of PartnersFinancial. **This site is published for residents of the United States only. Registered Representatives and Investment Advisor Representatives of Kestra may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all of the products and services referenced on this site are available in every state and through every representative or advisor listed. For additional information, please contact the Kestra Compliance Department at 737-443-2582.