Many investors check their portfolios daily but view their life insurance investments as an once-in-a-lifetime decision. If you bought life insurance more than 2 years ago, you may be able to substantially lower your life insurance premiums because of significant changes in the insurance industry's lifestyle assessment, mortality rates and today's longer life expectancy.

Our Customized Insurance Audit™ is a free service* that starts with an analysis of the actual vs. projected performance of your current life insurance policy and a comparison of your original lifestyle and health ratings to newly revised industry measures. We then incorporate DKA's personalized profile of your current lifestyle characteristics, risk tolerance and financial goals. The result is a customized report that shows you how you might maximize your coverage, minimize your cost, reduce your tax liability and use your insurance investment as a tool that could substantially increase your net worth. In some cases, we may determine that your existing policy is the best match for your needs. For more information, see About DKA

David Kleinhandler has built his business by assisting high-net-worth clients increase and protect their wealth. His team of insurance strategists and wealth advisors provide insurance-based solutions driven by each client's objectives. DKA's unwavering dedication is helping their clients maximize their assets and reduce future estate tax liability. DKA's Customized Insurance Audit™ helps to identify financial risks and recommend strategies for addressing these issues. For more information and examples of our work, see Insurance for the Wealthy Page.

One of the smartest moves a business owner can make is to create an insurance plan for owners and key managers. The right insurance strategies may reduce taxes, help you build personal wealth and leave a legacy for your family with minimal estate taxes. DKA can help you establish and maintain a plan that not only integrates your personal and business financial needs, but can also help you attract and maintain your most valuable employees. For more information and examples of our work , see Businesses Page.

If you're like most Americans, last year's retirement plans probably need updating. Most likely, you'll need a new strategy that will not only rebuild lost earnings, but will supplement your 401K or other company retirement fund with tax-advantage income. Our wealth management professionals have extensive experience putting innovative insurance-based products to work for clients who are just starting to plan for their retirement, as well as those who have already stopped working. No matter what your age, we can tailor a specific program that meets your retirement goals to help you increase your net worth or income. For more information, and examples of what we've accomplished for people like you, see Insurance and Annuities Page.