Our team of life insurance strategists and wealth advisors want to make a real difference
in people's lives, one person at a time. We are on a mission to convince affluent
investors that insurance is an asset class they can no longer afford to ignore. As
inheritance tax exceeds 50% in many states, wealthy families need creative estate planning
techniques for moving very large amounts of wealth, and cutting edge insurance and annuity
products answer this need. At DKA we understand how the insurance industry has changed in
the past twenty years, when brokers were attached to one carrier and there was no such
thing as shopping around for the best rates of return. We're also privy to changes in
estate tax legislation which can take as much as 50% of your children's and
grandchildren's inheritance. With our experience and in-depth knowledge of today's most
innovative life insurance products, it's not unusual for our clients to grow their legacy
from 100% to 350%.
Most important, we are dedicated to understanding every client's individual family situation, lifestyle, goals and risk tolerance in order to provide advice that tracks with each client's stated wants and needs.
Whether your goal is to maximize cash value, minimize premiums or leave a financial legacy unencumbered by tax liabilities, DKA's strength in policy optimization will help you find the right solution.
DKA's underwriting capabilities, and our long-standing industry relationships with top tier service providers enable us to find solutions that help clients increase and preserve their wealth.
As an example, Carol, a 78 year old widow, asked us to look at her two year old $1,600,000 life insurance policy with an annual premium of $124,190. She had been underwritten as a Table 4 Risk for a couple of health issues she had had when she bought the policy. DKA was able to secure a policy with the same coverage and guarantees, at a stronger carrier, underwritten as Standard Risk. Her new premium was only $78,560 per year - a savings of $45,630 per year.*
Most important, we are dedicated to understanding every client's individual family situation, lifestyle, goals and risk tolerance in order to provide advice that tracks with each client's stated wants and needs.
Whether your goal is to maximize cash value, minimize premiums or leave a financial legacy unencumbered by tax liabilities, DKA's strength in policy optimization will help you find the right solution.
DKA's underwriting capabilities, and our long-standing industry relationships with top tier service providers enable us to find solutions that help clients increase and preserve their wealth.
As an example, Carol, a 78 year old widow, asked us to look at her two year old $1,600,000 life insurance policy with an annual premium of $124,190. She had been underwritten as a Table 4 Risk for a couple of health issues she had had when she bought the policy. DKA was able to secure a policy with the same coverage and guarantees, at a stronger carrier, underwritten as Standard Risk. Her new premium was only $78,560 per year - a savings of $45,630 per year.*
*Universal Life 2. Mass Mutual Financial Group, Springfield, MA
Overview
DKA's proprietary Customized Insurance Audit™ is unique in the industry. You can watch a
short video of David explain each step on the Learning Center page. But here's a quick
synopsis we like to call the DKA approach: Discovery, Knowledge, Advice.
In the Discovery phase, we work with you to understand your issues, gain clarity and establish priorities. We'll walk you through our Customized Insurance Audit™ and gather information about your lifestyle, family situation, dreams for the future and your goals for preserving and passing on your wealth.
Then we do a thorough assessment of your current life insurance policy, including projections of the true rate of return of the death benefit and cash values at various intervals. We then compare your policy to newer, more innovative policies to see if you can save money or increase benefits with no added cost to you.
In the Knowledge phase, we put what we've learned about your lifestyle and goals to work. We research products that deliver what you need, whether its additional income, leaving more to your heirs, reducing estate taxes, supporting your charities, etc.
In the Advice phase, we meet with you to discuss alternative solutions. We provide a clear, easy to understand written report with specific policy recommendations, as well as projected results.
And all of this is free and with no obligation on your part other than to give us the time to show you how you might maximize your insurance assets and protect your wealth. The only thing we'll ask of you is authorization to review your existing insurance policies.
In the Discovery phase, we work with you to understand your issues, gain clarity and establish priorities. We'll walk you through our Customized Insurance Audit™ and gather information about your lifestyle, family situation, dreams for the future and your goals for preserving and passing on your wealth.
Then we do a thorough assessment of your current life insurance policy, including projections of the true rate of return of the death benefit and cash values at various intervals. We then compare your policy to newer, more innovative policies to see if you can save money or increase benefits with no added cost to you.
In the Knowledge phase, we put what we've learned about your lifestyle and goals to work. We research products that deliver what you need, whether its additional income, leaving more to your heirs, reducing estate taxes, supporting your charities, etc.
In the Advice phase, we meet with you to discuss alternative solutions. We provide a clear, easy to understand written report with specific policy recommendations, as well as projected results.
And all of this is free and with no obligation on your part other than to give us the time to show you how you might maximize your insurance assets and protect your wealth. The only thing we'll ask of you is authorization to review your existing insurance policies.
DKA's proprietary Customized Insurance Audit
Important Disclosure
DKA does not guarantee that you or your company will obtain the same or comparable results as the people whose stories we share. Individual results will vary depending on a number of factors.
DKA does not guarantee that you or your company will obtain the same or comparable results as the people whose stories we share. Individual results will vary depending on a number of factors.