Our singular focus is to serve our affluent clientele with the finest life insurance strategies available anywhere. With over 25 years of experience, we have differentiated ourselves in the life insurance marketplace that serves high net worth clients. Our niche requires specialized strategies leveraged by an uncompromising full time effort. For this reason, we have not followed the common trend of offering a multitude of financial products such as investments and retirement plans. We remain specialized in our efforts so that our clients receive comprehensive life insurance strategies that generate specialized results. We do not try to be all things to all people.

We develop the most competitive and effective life insurance programs for:

  • Estate planning and tax reduction strategies
  • Buy-Sell agreements for privately held and family owned businesses
  • Equalization plans for children not active in the family business
  • Business succession plans
  • Corporate executive plans
  • Charitable giving
  • Eliminating personal and business debt

Integrity and transparency –
the foundation of everything we do.
– Scott F. Lutgert

Many of our clients are entrepreneurs and captains in their industries. They are innovative individuals who have pioneered their way to creating personal and financial success. However, too often assets built over a lifetime will be lost due to inefficient or outdated estate planning. The Lutgert Resnick Group are experts with a singular focus of designing estate plans and life insurance strategies to protect our client’s financial legacy.

Our clients typically share three common goals:

  • Lifetime of financial security for both spouses
  • Preserve assets for the next generation
  • Assure family harmony

We work in a collaborative approach with attorneys, accountants, family offices, and other financial firms in the design, procurement, and implementation of life insurance for their high net worth clients.

Life Insurance Monitoring

All valuable assets require ongoing care and maintenance to preserve their value, and life insurance is no different. It has been estimated that nearly 70% of all life insurance policies owned by irrevocable trusts are in need of remediation as they are at risk of lapsing. Many policyholders do not realize their policies are not guaranteed until they receive a notice that their premiums are increasing by as much as 300%-500%.

Our due diligence process:

  • Monitors performance to make sure policy delivers as promised
  • Are the premiums and death benefit contractually guaranteed?
  • Can underwriting class be improved to lower premiums costs?
  • Are you overpaying for life insurance?
  • Is your policy designed to be estate and income tax free?
  • Monitors financial strength of life insurance company

Trust, but verify.
-Ronald Reagan