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Protect Your Business, Build Tax-Advantaged Wealth, and Secure Your Team's Future

Most business owners wait until something goes wrong to think about insurance. By then, it's too late. Strategic insurance planning protects your business from key person loss, funds buy-sell agreements, builds tax-deferred wealth, and helps retain top talent. We design customized insurance solutions that protect what you've built while creating financial advantages most business owners never realize exist.

  • Key person and disability coverage to protect your business operations
  • Tax-advantaged wealth building through specialized life insurance strategies
  • Executive benefits and succession planning for business continuity
Get Your Custom Insurance Strategy

Insurance Solutions That Protect What Matters Most

Customized coverage for your business, your people, and your peace of mind.

At NestWorth, we believe the right insurance strategy is more than a checkbox—it’s a cornerstone of sustainable business growth. We help small and mid-sized companies build smart, affordable insurance plans that protect what they’ve worked so hard to build.

How We Can Help

Life insurance is a contract between an individual and an insurance company where the insurer promises to pay a designated beneficiary a sum of money upon the death of the insured person. This financial safety net helps cover expenses like funeral costs, debt, and lost income, ensuring the financial security of loved ones.

Discounts (especially for females) and with limited underwriting? Each year they enroll new advisors. If you haven’t enrolled, call them directly! If you are a new advisor, they will be reaching out to you.Your client’s most valuable asset is their ability to earn a living. Plans for the future-from buying a home, paying for college to building a retirement nest egg-are based on the assumption the paychecks will continue until retirement. But what would happen if those paychecks stopped? That’s where disability insurance comes in. It provides a tax-free income as a salary replacement when unable to work because of illness or injury.The financial consequences of a lengthy disability could literally cost millions. A 40-year-old worker who makes $75,000 a year and suffers a permanent disability could lose over $2 million in future earnings. People don’t hesitate to insure their homes, cars or other valuable possessions, so why not insure something that is much more valuable than all those things?

Benefits of Disability Insurance:

  • Disability insurance is designed to pay monetary benefits when an illness or injury prevents the insured from earning income. In this respect, it is an income replacement policy, which pays money when a disability arises from a cause recognized by the policy.
  • Monthly Income Benefits are paid out income-tax free
  • A personal disability income policy is portable, allowing the insured to keep it if they change jobs, as opposed to Group LTD

Indexed universal life (IUL) insurance is a type of permanent life insurance, meaning it has a cash value component along with a death benefit. The money in a policyholder’s cash value account can earn interest by tracking a stock market index selected by the insurer, such as the Nasdaq-100 or the Standard & Poor’s 500. You may also have a fixed-rate account and can choose how much you want to go into each account.

Although the interest rate derived from the equity index account can fluctuate, the policy does offer an interest rate guarantee, which limits your losses. It also may cap your gains. These policies are more volatile than fixed universal life policies, but less risky than variable UL insurance policies because no investment is made in equity positions.

Because key person insurance is vital for continuing operations when a key employee dies, it’s essential that the business have a reliable estimate of the money needed to deal with this potential loss.

Long-Term Care (LTC) goes beyond medical care to include all the assistance you need if you ever have a chronic illness1 or disability that leaves you unable to care for yourself for an extended period of time (longer than 90 days). While older people generally require the most long-term care services, a young or middle-aged person who has suffered a debilitating illness or accident may also require care.

Long-Term Care (LTC) goes beyond medical care to include all the assistance you need if you ever have a chronic illness1 or disability that leaves you unable to care for yourself for an extended period of time (longer than 90 days). While older people generally require the most long-term care services, a young or middle-aged person who has suffered a debilitating illness or accident may also require care.

Loss-of-value insurance coverage protects the future earnings of promising college athletes, who are projected to feature highly in the NFL, NBA, MLB or NHL drafts. The coverage is typically purchased as an add-on to a permanent total disability insurance policy, and is meant to protect against the potential adverse impact a serious injury or illness might have on an athlete’s future earnings.

Single-premium life (SPL) is insurance in which a policyholder pays a lump sum of money upfront in exchange for a guaranteed death benefit.

  • The policy requires that the holder has access to a large sum of money up front, meaning it’s not financially feasible for many individuals.
  • Benefits of SPL include a sizable payout for beneficiaries, due to the lump sum funding, and the ability to access some of the cash for long-term care if needed.

There are six products that make up the core programs in Excess & Surplus Insurance. The first four are personal programs purchased by individuals to protect their futures, the last two are business programs utilized to insure a business owners equity or the human capital one brings to an organization.

High Limit Disability Income Protection:

By sheer product volume, this is the leader in the Excess DI market. High limit disability income protection is most often utilized to supplement an individual’s US disability insurance coverage to provide adequate protection for high income earners. This type of coverage typically provides an “own occupation” definition of disability. The ideal candidate for this type of coverage are CEOs, CFOs, COOs, CTOs, hedge fund, private equity and financial professionals, attorneys and specialty physicians/surgeons.

‍Multi-Life Guaranteed Issue Disability Income Protection:‍

For organizations employing high earning individuals, a High Limit Guaranteed Standard Issue (GSI) program is available which allows employers to leverage their institutional buying power, reducing coverage costs and policy underwriting requirements to streamline the application process. The employers group Long Term Disability (LTD) and domestic supplemental Individual Disability Income (IDI) programs must be maximized before a GSI policy from the Excess & Surplus Market can be offered. There are four different types of GSI programs: mandatory, mandatory with buy-up, opt-out, and voluntary plans.

‍Disability Income Protection for Entertainers:

Entertainers present unique challenge to US disability carriers as their earnings history is often riddled with volatility, and they consistently present a compressed career that limits the time they earn the bulk of their income. For those reasons, the Excess & Surplus Lines Market are the primary sources to obtain Disability Income Protection for Entertainers.

‍Disability Income Protection for Athletes:

Similar to the entertainment field, a void in the US disability market leaves these professionals without a domestic option for disability income protection. For college and professional athletes, Lloyd’s provides “own occupation” coverage that is designed to pay a lump sum benefit for career ending injury or illness.

‍Key Person Disability Insurance:

For organizations with Key Executives who are vital to the financial success of their business, a corporately owned Key Person Disability Insurance program from the Excess DI market is available with a policy structure that will provide the organization a benefit in the event their key person is injured or suffers an illness.

‍Buy-Sell Disability Insurance:

For successful business owners maintaining a buy-sell agreement within their partnership, insuring the stock repurchase requirements in the event of a disability can prove challenging in US disability markets. US disability carriers provide this type of insurance up to a benefit maximum of roughly $2-3M per insured (this benefit varies across carriers and the state in which coverage is being issued). For business owners with additional Buy-Sell Disability funding requirements, a supplemental Disability Buy-Sell Insurance policy can be issued to reduce the business burden to repurchase a disabled partners equity beyond what is available from domestic carriers.

Split-dollar life insurance is a strategy that allows the sharing of the cost of a premium for a permanent life insurance policy. They are often a key part of an executive compensation package and can provide a benefit to both the employer and employee.

Term Life insurance provides death-benefit protection for a stated time period with a level premium payment. Terms periods may be 10,15, 20, 25, 30, 35, 40 years, depending on the carrier.

‍Benefits:

  • Cover a larger, temporary risk
  • Low-cost, flexible product that may be convertible as needs change
  • Level premium payments

Universal Life Insurance, known as UL, is a flexible-premium, adjustable benefit life insurance policy that can also accumulate account value. Premiums and values are based on projections of assumed interest rates, the cost of insurance and the insurance company’s expenses.

Benefits

  • Product is flexible, and gives clients the opportunity to accumulate cash
  • Flexibility – You can adjust the death benefit and premium payments to fit your clients’ needs
  • Tax-Deferred Account Growth – The policy’s Account Value earns interest at the company’s current interest rate; federal income tax deferred. The guaranteed interest rate on a CAUL can be 2-3%, but the IUL policies will have a floor typically of 1% or 0% so there are not negative effects.

Universal Life Insurance, known as UL, is a flexible-premium, adjustable benefit life insurance policy that can also accumulate account value. Premiums and values are based on projections of assumed interest rates, the cost of insurance and the insurance company’s expenses.

Benefits

  • Product is flexible, and gives clients the opportunity to accumulate cash
  • Flexibility – You can adjust the death benefit and premium payments to fit your clients’ needs
  • Tax-Deferred Account Growth – The policy’s Account Value earns interest at the company’s current interest rate; federal income tax deferred. The guaranteed interest rate on a CAUL can be 2-3%, while IUL policies typically have a floor of 1% or 0% to prevent negative effects.

Whole Life is permanent insurance coverage that guarantees level premiums and the accumulation of cash values. Whole Life insurance is a good choice for long range-goals. There is participating whole life insurance usually issued by a mutual life insurance company where one participates as an owner of the company and there is non-participating whole life insurance issued by a stock life insurance company.

Benefits of Whole Life:

  • Guaranteed Cash Values – A portion of the money paid into a whole life policy accumulates as guaranteed cash values. If the policy is surrendered, these values are available to the client, or they may be borrowed against as a policy loan at the current loan interest rate.
  • Premiums Level and Payable for Life – Since premiums are level, the younger your client is when they purchase the policy, the less expensive the annual premiums will be.
  • Dividends – Whole life insurance policies can earn dividends. Dividends result when the actual life insurance costs turn out to be less than assumed when setting the premiums.

Specialty Insurance

Specialty insurance plans are for individuals and/or businesses that have specific, and often unusual, coverage needs. Any individual or business that serves clients who engage in high-risk behavior may need to take out a specialty insurance policy.

Like other types of insurance plans, specialty insurance offers protection against lawsuits. If an individual or business is sued and a judgment is made against them or it, insurers provide much of that coverage. When you’re choosing the best specialty insurance policy for yourself and/or your business, consider these factors: scope of coverage, limits and deductibles, the claims and renewal process, unique risks and industry experience.

  • High Limit Disability and Key Person Coverage
  • Catastrophic Accidental Death
  • Contractual Indemnification
  • Failure To Sign Coverage
  • Interim Life Insurance
  • Coverage for risks that may void guaranteed contracts
  • High Limit Disability Income
  • Key Person Disability Coverage
  • High Limit AD&D
  • Non-appearance / Event Cancellation Insurance
  • Contractual Indemnification
  • Kidnap and Ransom
  • Contingency Coverage
  • Monthly benefits up to $50,000
  • Elimination periods of 90, 180, and 365 days
  • Benefit periods up to 60 months or lump sum benefit options
  • Individual or Multi-Life Plans
  • Own Occupation definitions available
  • Key Person Disability – Limits to $75,000,000 (For both Portfolio Company Executives & PE Managers)
  • Individual Disability – Limits to $500,000 per month
  • Disability Buy-Sell – Limits to $50,000,000
  • Interim Life Insurance – Limits to $50,000,000
  • Accidental Death & Dismemberment
  • Kidnap & Ransom
  • Custom tailored policies to protect the Firm from loss of a key portfolio manager to protect partnership income
  • Key Person Disability to Protect the Fund – Limits to $100,000,000
  • Individual Disability Income Insurance – Limits to $500,000 per month
  • Custom tailored policies to protect the fund from loss of a key investment manager
  • Benefit for Reimbursement of Ransom and Extortion Payments
  • Fees and Expenses of leading crisis management response group
  • Rehabilitation Costs and Expenses
  • War and Terrorism Coverage
  • Benefit amounts exceeding $20,000,000 per person
  • 24 Hour Worldwide Coverage
  • Policy Terms ranging from 1 day to 3 years
  • Non-Appearance / Event Cancellation
  • Prize Indemnity
  • Physical Damage to the Venue
  • Unavoidable Travel Delay
  • Adverse Weather
  • Death, Disablement, and Disgrace
  • Breakdown of Transmission or Broadcast
  • Monthly benefits up to $150,000 per month
  • Elimination periods of 90, 180, and 365 days
  • Benefit periods up to 60 months, plus lump sum benefits to an aggregate of $10,000,000+
  • Individual or Multi-life coverage
  • Residual Benefit Rider & COLA available
  • Own Occupation definition
  • Monthly Benefits up to $200,000 per month
  • Own Occupation Coverage
  • Elimination Periods of 90, 180 and 365 days
  • Benefit Periods of up to 60 months, plus Lump Sum Benefits exceeding $25,000,000
  • Key Person Coverage / Buy-Out Coverage
  • Individual or Group CSI Coverage
  • Residual Benefit available
  • Monthly benefits up to $500,000 per month
  • Limits to $50,000,000
  • Monthly benefits after 30, 60, 90 or 180 days
  • Monthly benefit periods up to 60 months
  • Own Occupation Definition
  • Limits to $500,000 per month
  • 12, 24 and 36 month benefit periods available
  • Monthly benefits beginning after 30, 60 or 90 days
  • Unique coverage design beyond traditional boundaries
  • Coverage available for non-traditional occupations

Annuities Solutions

A single premium deferred annuity (SPDA) is a contract between an individual and an insurance or financial company that converts a lump sum of money into a steady stream of retirement income. With an SPDA, you make a one-time payment at the beginning of the contract and then don’t contribute more money after that. The money grows tax-deferred at a guaranteed interest rate until you’re ready to receive payments, often at retirement. SPDAs can be a good option if you have a lump sum of money you want to save for retirement, but you don’t need access to it right away. Some benefits of SPDAs include:

  • Guaranteed rate of return: You can predict how much your policy may grow
  • Tax-deferred growth: You can defer taxes on the growth in your annuity
  • Safe way to invest: SPDAs can be a safe way to put your cash to work

A structured annuity is a long-term, tax-deferred financial investment that’s usually used for retirement. It’s designed to offer investors a balance between market-linked returns and principal protection. Structured annuities can provide exposure to equity markets, help create income, and protect beneficiaries with a death benefit guarantee. They also offer multiple crediting strategies that allow investors to choose how much growth potential and downside protection they want.

Features of structured annuities:

Crediting periods
Investors can choose crediting periods as short as one year, and interest in the contract grows tax deferred as long as they renew into a new crediting period within the same contract. This allows annual savings to stay in the account to earn interest and grow faster until funds are withdrawn.

Crediting strategies
Investors can choose between different crediting strategies to help meet changing financial objectives over the life of the annuity. For example, some annuities offer a “buffer” option, where the insurance company covers a specific percentage of the market downside. Other annuities offer a “floor” option, where the insurance company caps a specific percentage of market downside.

Flexibility
Investors can reallocate to a new type of crediting strategy for a new term as each crediting period expires.
Structured annuities may be best suited for clients who want to gain or maintain some exposure to equity markets, are more concerned with losing money than making money, or want some upside market participation and some downside protection.

A variable annuity is a type of annuity contract, the value of which can vary based on the performance of an underlying portfolio of sub accounts. Sub accounts and mutual funds are conceptually identical, but sub accounts don’t have ticker symbols that investors can easily type into a fund tracker for research purposes.

Among annuities, variable annuities differ from fixed annuities, which provide a specific and guaranteed return.

  • The value of a variable annuity is based on the performance of an underlying portfolio of sub-accounts selected by the annuity owner.
  • Fixed annuities provide a guaranteed return.
  • Variable annuities offer the possibility of higher returns and greater income than fixed annuities, but there’s also a risk that the account will fall in value.
Two elements contribute to the value of a variable annuity: the principal, which is the amount of money you pay into the annuity, and the returns that your annuity’s underlying investments deliver on that principal over the course of time.
The most popular type of variable annuity is likely a deferred annuity. Often used for retirement planning purposes, it is meant to provide a regular (monthly, quarterly, or annual) income stream, starting at some point in the future. There are also immediate annuities, which begin paying income right away.
A fixed annuity is a type of insurance contract that promises to pay the buyer a specific, guaranteed interest rate on their contributions to the account. By contrast, a variable annuity pays interest that can fluctuate based on the performance of an investment portfolio chosen by the account’s owner. Fixed annuities are often used in retirement planning.
  • Fixed annuities are insurance contracts that pay a guaranteed rate of interest on the account owner’s contributions.
  • The earnings in a fixed annuity are tax deferred until the owner withdraws funds from the annuity.
A fixed index annuity (FIA) is a long-term investment contract between an individual and an insurance company that offers principal protection and the potential for market-linked returns. FIAs are designed to help people accumulate money and provide income for retirement.
Features of FIAs:
Principal protection:
FIAs guarantee that the principal will not decrease, even if the market declines. This is because the investor is not directly buying stocks or shares of an index.

Market-linked returns:
FIAs credit rates based on the performance of a market index, such as the S&P 500, over a specific time period. For example, if the insurance company sets a 50% participation rate for the S&P 500 and the index grows by 10% in a year, the investor would receive 50% of that growth, or a 5% return. However, some FIAs may also deduct a spread, margin, or asset fee from any gains in the index.

Tax deferral:
FIAs allow assets to grow tax-deferred.
Guaranteed lifetime withdrawal benefit (GLWB)
For an additional cost, some FIAs offer a GLWB that guarantees a “retirement paycheck” for the investor and their spouse. This income is guaranteed to increase each year that it’s deferred, up to 10 years.
FIAs offer more growth potential than a fixed annuity, but less risk and less potential return than a variable annuity. They have become more popular in recent years as baby boomers’ investment objectives have shifted from growth to protection.
A Medicaid Compliant Annuity (MCA) is a financial tool that can help people meet Medicaid’s asset requirements to qualify for benefits like long-term care. MCAs are single premium immediate annuities (SPIAs) that convert a lump sum payment into an income stream with no cash value. The funds in the annuity are considered exempt from Medicaid’s asset criteria and can only go to the annuity owner or the state Medicaid agency. However, annuity payments are still counted as income when determining eligibility and patient responsibility.
MCAs are appropriate in certain situations, such as when:
  • The client lives in a facility
  • They’ve used up Medicare or LTCI benefits
  • They’re paying for care out of pocket
  • They have excess countable assets

To meet Medicaid’s criteria, an MCA must be:

  • Irrevocable: Funds can only be withdrawn through regular payments
  • Non-assignable: The contract can’t be sold or assigned to another party
  • Non-transferable: It can only be in the annuity owner’s name
  • Term-limited: The term must be shorter than the annuity owner’s life expectancy
  • Actuarially sound: Based on the Social Security Administration’s actuarial tables
  • Equal payments: Payments must be made in equal amounts throughout the annuity’s term
  • No balloon or deferred payments: The annuity can’t have any deferred or balloon payments

MCAs are available in 48 states and the District of Columbia and can be funded with either tax-qualified or non-qualified funds.

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