Independent Life Insurance Consulting
For advisors, family offices, affluent families, carriers, and founders dealing with decisions that are too important to outsource to a sales process.
When the case is complex, the policy is large, the structure is unfamiliar, or the advice on the table feels incomplete, we step in with an independent view and deep technical experience.
We do not sell products. We do not take commissions. We do not pretend every situation needs a new policy.
Sometimes the answer is move forward.
Sometimes the answer is slow down.
Sometimes the answer is absolutely not.
That clarity is the value.
Our Services
For Advisors, Families & Institutions
You have a life insurance question that falls outside your core lane, or you want an independent view before a major decision. We provide specialist support, policy review, structure evaluation, PPLI, estate integration, and cross-border planning, without any stake in the outcome.
For Carriers & Founders
You are building, launching, or reassessing a life insurance business, product, or market strategy. The decisions you make early are hard to undo. We advise from direct carrier-side experience, including product strategy, market entry, company formation, distribution architecture.
Advisors, Families & Institutions
What We Advise On
Policy Review and In-Force Analysis
We review existing policies for performance, cost structure, design quality, carrier considerations, and fit with current planning goals.
New Policy and Structure Evaluation
Before a client commits, we assess the proposal itself: structure, assumptions, economics, and whether it actually fits the case.
PPLI and PPVA
We evaluate whether private placement solutions are appropriate, how the structure is being built, and where the real strengths and weaknesses are.
Estate and Legacy Planning Integration
We work with attorneys, CPAs, RIAs, and family office teams to make sure the insurance piece supports the larger plan instead of floating off on its own little island.
Advanced Planning Strategies
Split-dollar, VUL, IUL, executive benefit structures, business succession applications, and other sophisticated cases where independent scrutiny matters.
Cross-Border and Pre-Immigration Planning
For internationally mobile clients and families with global assets, the timing and structure of the insurance decision can materially change the outcome.
For Carriers and Founders
The decisions that matter most in building a life insurance company are the ones made before the business plan is finished. Regulatory strategy, capital structure, reinsurance architecture, product design. Each shapes what the company can do for years, and most of these decisions are expensive to reverse.
Before founding LISG, our team held senior executive roles at major carriers, including Crown Global Insurance Group, BF&M Insurance Group, Sun Life, and Old Mutual. We have run distribution, developed products, structured reinsurance, and navigated carrier formation from the inside.
That means we have seen where these decisions go wrong, not from the outside looking in, but from inside operating organizations where the consequences were real.
What we advise on:
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Product strategy and development for HNW and UHNW markets
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Market entry and expansion — where to enter, how to enter, and how to avoid expensive early mistakes
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Distribution architecture: broker-dealer, RIA, family office, and international channel strategy
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Offshore and domestic carrier formation across multiple jurisdictions
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Private placement platform development: separate accounts, investment infrastructure, investor control compliance
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Reinsurance and capital structuring
What Makes Us Different
Many people can explain a life insurance concept.
Far fewer can evaluate it from the perspectives that actually matter at once: the client, the advisor, the carrier, the product designer, the distributor, and the person who has seen where these things break in real life.
That is where LISG is strongest.
We understand the commercial side of the business, the technical side of the business, and the communication side of the business. That gives clients a better answer than a product pitch dressed up as planning.
Bring Us the Situation
Tell us what you are looking at, what is unclear, and where the decision sits. We will tell you whether we can help and what that would look like.