HNW Solutions Return to site
For attorneys · CPAs · RIAs · bankers

Insurance counsel
your clients
won't outgrow.

When your client's situation has outgrown captive agents and aggregator platforms, send them to an independent actuary-led practice. We work alongside you, not around you.

Three advisor channels

We exist downstream of your work, not in competition with it.

Attorneys

Estate planners, trust & estate, family business. When a plan needs a funded ILIT, a buy-sell, key-person coverage, or premium financing analysis.

  • ILIT funding analysis
  • Buy-sell & key-person
  • Cross-purchase structures
  • Premium financing review

CPAs

Tax advisors for individuals and closely-held businesses. When a client needs tax-deferred growth, a §1035 review, or an honest read on an in-force policy.

  • §1035 exchange review
  • In-force ledger analysis
  • Annuity tax positioning
  • MEC & 7702 testing

RIAs & bankers

Wealth advisors who do not place insurance themselves. When a client wants a second opinion or you need a placement partner who will not poach the relationship.

  • Second-opinion review
  • White-glove placement
  • Annual policy review
  • Direct client reporting to you
How we work with you

A simple introduction is all we need.

We do not pay referral fees, and we do not accept them. The compensation structure is the same one your client receives: paid by the carrier, not by the client.

  1. I

    You introduce

    An email, a call, or a warm hand-off. We follow up with your client directly within one business day.

  2. II

    We listen

    An unhurried fact-find conducted by Glen personally. You are kept in the loop in the manner you prefer.

  3. III

    We illustrate

    Independent quotes from multiple carriers, presented with plain-language trade-offs. You receive a copy for your file.

  4. IV

    Annual review

    Every contract in force is reviewed each year. You receive a one-page summary for your file.

Begin a relationship

"Send us the next client your captive carrier said 'no' to."

We are licensed in Iowa, with additional states added as client needs require. For partner introductions, reach Glen directly.

GlenGusewelle@HNW-Solutions.com