01
Life
Permanent and term coverage designed for estate liquidity, business continuity, and intergenerational transfer. We work with private placement structures where appropriate.
Independent · Referral only · Est. 2026
Counsel for the
quiet wealth.
HNW Solutions is an independent insurance practice serving a small circle of high-net-worth families across life, health, and annuity. Every relationship begins with an introduction.
ASA · MAAA
Actuary-led practice
5
Cold-acquired clients
What we do
Three lines of advice.
One relationship.
We are independent. Carriers compensate us; you do not. Every recommendation is illustrated, written, and explained in plain language before it is signed.
02
Health
Concierge medical retainers, international coverage, and high-deductible plans for families who self-fund care. We coordinate with your existing medical advisor.
03
Annuity
Single-premium and deferred contracts structured to complement portfolio income, never to replace it. Independent illustrations, compared side by side.
Our approach
A relationship,
not a transaction.
Most agents know the commission structure. An actuary knows the product, the contract, and the appropriateness of fit.
-
I
Introduction
A trusted advisor, whether your attorney, CPA, banker, or a current client, makes the connection. We take it from there.
-
II
Listening
An unhurried conversation about your family, your existing coverage, and what you are actually trying to protect.
-
III
Illustration
Independent quotes, presented side by side with a plain-language explanation of the trade-offs.
-
IV
Ongoing review
Annual review of every policy in force. We coordinate with your other advisors. We never reach out to sell.
HNW
President
An actuary's perspective
Glen A. Gusewelle
ASA, MAAA
President & Principal
Glen is a credentialed actuary, an Associate of the Society of Actuaries and a Member of the American Academy of Actuaries, practicing as an independent insurance advisor. The combination is uncommon. It means every policy we recommend has been read the way the carrier reads it: from the inside, with the math.
HNW Solutions exists to bring that perspective to a small number of families and the advisors who serve them. We work entirely by introduction.
- ASA
- Associate of the Society of Actuaries
- MAAA
- Member, American Academy of Actuaries
- Licensed
- Life, health and annuity, multi-state
Begin a conversation
By introduction.
Not by request.
HNW Solutions accepts new clients only through referral from existing clients or trusted advisors. If you were referred, please tell us by whom. It helps us serve you well.
- By mail
- 628 Broad Street, Suite 1A
Story City, Iowa 50248 - By email
- GlenGusewelle@HNW-Solutions.com
Received
Thank you.
A principal will reply within two business days. If your matter is time sensitive, write to us directly at GlenGusewelle@HNW-Solutions.com.