Life Insurance Services
We offer professional life insurance consulting for personal and business protection needs. Whether you're securing individual coverage, protecting key employees, or planning business succession strategies, our experienced team delivers tailored solutions and expert analysis. From policy comparison to implementation, we help clients make informed decisions that protect their financial interests and ensure business continuity.
Estate Protection
Strategic planning to preserve wealth and mitigate estate taxes for future generations. We help high net worth families develop sophisticated insurance solutions that safeguard assets, create tax-efficient wealth transfer strategies, and ensure your legacy endures according to your wishes.
Family & Income Protection
Ensuring financial security for your loved ones regardless of life's uncertainties. Our personalized approaches to income replacement, education funding, and lifestyle protection give you confidence that your family will maintain their quality of life, even in your absence.
Business Protection & Succession
Safeguarding your business legacy with thoughtful succession and continuity planning. We create strategies that protect key people, facilitate smooth ownership transitions, and ensure business continuity through buy-sell agreements, key person coverage, and executive benefit programs.
Life Insurance as an Alternative Asset
Leveraging life insurance as a strategic component of your overall wealth management approach. Beyond traditional protection, we help you utilize life insurance as a powerful asset class that can provide tax advantages, stable returns, and portfolio diversification.
In addition to traditional life insurance planning, High Ground Company’s expertise is expanded in additional specialty insurance areas:
Long Term Care Insurance
Today’s solutions look very different from previous generations of “use it or lose it” Long Term Care Insurance. Product evolution has created a vast market of solutions to subsidize rising care cost while providing additional benefits for your family.
Multi-Life / Group Insurance
Guaranteed issue life and disability programs for business and business owner protection, including solutions for buy-sell planning, key person, benefit restoration, and employee retention programs.
Disability Insurance
Protecting high-earning professionals in the event of an unfortunate disability with traditional market and high-limit disability insurance solutions.
Enhancing Annuities
Annuities have a long history of being difficult to understand, expensive, and lacking clarity. Many clients have existing annuities that they are unsure of how to best utilize. Today’s products have been enhanced substantially and could provide a more beneficial asset for wealth transfer planning, living benefits, or income.
Life Settlements
Life Settlements have evolved into a highly regulated and legitimate marketplace. We represent clients who have existing life insurance they no longer need and can sell for value in the settlement market.
Our Tailored Underwriting Strategy
What truly sets High Ground Company apart is our approach to underwriting. We put in the work on the front end to understand each client's health and financial situation to truly tailor an underwriting strategy for each individual case. This drives the best pricing outcomes through thorough medical and financial review and positioning in the market for negotiations.
Our team conducts exhaustive research to identify the optimal carriers and products for your specific situation. We leverage our deep industry relationships and knowledge to negotiate favorable terms, ensuring you receive not just adequate coverage, but the optimal protection strategy for your unique circumstances.