LIFE INSURANCE SUPPORT FOR CPAS AND FINANCIAL ADVISORS
Kelly Insurance Group provides specialist life insurance support for CPAs and financial advisors — connecting life insurance needs identified in financial planning to specialist placement, executive benefit structure design, business owner coverage, and existing policy performance audits.
FIVE WAYS WE SERVE AS THE LIFE INSURANCE SPECIALIST FOR YOUR HIGH-NET-WORTH AND BUSINESS OWNER CLIENTS.
CPAs and financial advisors whose clients have significant income often identify a life insurance gap in the course of financial planning. Kelly Insurance Group provides the income replacement coverage — sized to total compensation, not just W-2 base salary — that financial planning software identifies as needed but the advisor is not licensed to place.
Split-dollar arrangements, executive bonus plans, and supplemental executive retirement plans with life insurance components require specialist knowledge to design, place, and administer correctly. Kelly Insurance Group works with financial advisors and CPAs to place these structures and provide the ongoing service the plan requires.
Financial advisors and CPAs who serve closely held business owners regularly encounter key person, buy-sell funding, and loan collateral life insurance needs. Kelly Insurance Group serves as the specialist resource for these business applications — sizing, structuring, and placing the coverage that the advisor's client planning has identified as needed.
CPAs and financial advisors who conduct financial plan reviews often discover that clients have existing life insurance policies that have never been reviewed for performance adequacy. Kelly Insurance Group provides in-force illustration analysis, carrier financial strength review, and policy performance assessments that the advisor can incorporate into the comprehensive financial plan review.
Financial advisors who serve as advisor to trust beneficiaries — or who advise trustees — may need to provide life insurance policy performance analysis as part of their service. Kelly Insurance Group provides the in-force illustrations and policy review documentation that the advisor can incorporate into the trustee review record.
THE LIFE INSURANCE SPECIALIST YOUR FINANCIAL PLANNING PRACTICE DOES NOT HAVE IN-HOUSE
Financial planning software identifies life insurance gaps. Tax planning reveals estate tax exposures. Business succession analysis identifies buy-sell funding needs. The result of the planning is clear — the specialist required to address it is not always in the advisory team.
Kelly Insurance Group serves as the life insurance component of the advisory team for CPAs and financial advisors whose clients have complex life insurance needs. We provide analysis, market access, placement, and ongoing service — reporting to the advisor's specifications and complementing the financial plan without displacing the advisor-client relationship.
HOW KELLY INSURANCE GROUP SERVES AS THE LIFE INSURANCE SPECIALIST FOR FINANCIAL ADVISORS AND CPAs.
LIFE INSURANCE NEEDS ANALYSIS THAT CONNECTS TO THE FINANCIAL PLAN
When a financial plan identifies a life insurance gap — income replacement, estate liquidity, business continuity — Kelly Insurance Group provides the specialist analysis and market access to close that gap with the right product at the best available rate. We work from the financial plan's output, not from a product sale starting point.
EXECUTIVE BENEFIT STRUCTURES FOR BUSINESS OWNER AND CORPORATE CLIENTS
Executive bonus plans under IRC Section 162, split-dollar arrangements, and COLI-funded deferred compensation plans require life insurance expertise, carrier access, and ongoing administrative support. Kelly Insurance Group designs and places these structures in coordination with the CPA's or financial advisor's tax and compensation plan recommendations.
EXISTING POLICY AUDIT — PERFORMANCE REVIEW FOR PLAN INTEGRATION
Clients often hold life insurance policies that have never been integrated into their current financial plan. Kelly Insurance Group reviews existing policies — requesting in-force illustrations, assessing carrier strength, and confirming adequacy — and provides the financial advisor with a policy audit report that can be incorporated into the comprehensive financial planning review.
EXPLORE MORE KELLY INSURANCE GROUP ADVISOR SUPPORT RESOURCES
FREQUENTLY ASKED QUESTIONS.
How does Kelly Insurance Group integrate with a financial advisor's practice?
We operate as the life insurance specialist resource — providing analysis, carrier access, placement, and ongoing service for clients the advisor identifies as having life insurance needs. We work from the advisor's specifications, confirm that policy structures support the financial plan, and provide reporting that the advisor can incorporate into client communications.
What executive benefit structures does Kelly Insurance Group place?
We place executive bonus plans (Section 162), split-dollar arrangements (loan regime and economic benefit), COLI programs for informally funded deferred compensation, and supplemental executive retirement plan life insurance components. We work with the advisor's CPA and legal counsel to confirm tax and legal compliance before placement.
Can Kelly Insurance Group perform policy audits on existing client policies?
Yes. We request in-force illustrations, assess carrier financial strength, review policy performance against original projections, and provide a written policy audit report. The report identifies coverage adequacy, performance concerns, structural issues, and recommendations — formatted for integration into the financial advisor's comprehensive plan review.
How does Kelly Insurance Group handle large face amount cases for high-net-worth clients?
We have carrier relationships that accommodate large face amount cases — $5M to $50M and above — including specialty markets for applicants requiring concurrent placement across multiple carriers. For impaired risk underwriting, we know which carriers are most favorable for specific health conditions and can pre-shop applications before formal submission.
What ongoing service does Kelly Insurance Group provide after placement?
Ongoing service includes annual in-force illustration requests for permanent policies, beneficiary designation reviews on the advisor's schedule, policy performance monitoring, coordination of any structural changes, and documentation for trustee review requirements where applicable.
Does Kelly Insurance Group work on commission or on a fee basis?
Typically on a commission basis paid by the carrier, as with most life insurance placements. Fee-based arrangements may be available in specific circumstances. We are happy to discuss the appropriate compensation structure for your advisory practice's model.
READY TO GET STARTED?
BRING A LIFE INSURANCE SPECIALIST INTO YOUR ADVISORY TEAM.
Kelly Insurance Group provides specialist life insurance support for CPAs and financial advisors — connecting life insurance needs identified in financial planning to expert placement, executive benefit structures, and existing policy performance audits that strengthen the comprehensive financial plan.
The availability of coverage and eligibility for coverage can depend on numerous factors. We cannot guarantee that all customers, individuals, and businesses looking for coverage will be successful in these efforts when contacting our team. All policy coverages and terms need to be fully reviewed by the respective consumer to ensure the coverage asked for is what is specifically being quoted or provided by any insurance policy. Insurance Policies, Coverage Changes, and their terms and conditions are not bound or altered until written confirmation is provided by one of our licensed team members or underwriters. This page does not offer legal advice, legal opinions, or policy interpretations. Rather, this page is meant as a resource to help provide customers and insurance consumers with additional considerations that may help in their insurance buying or pursuit of insurance information. Kelly Insurance Group does not employ or direct attorneys.
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Disclaimer: Coverage availability and eligibility may depend on many factors, including underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations. Information on this page should not be relied upon as a substitute for reviewing the actual policy language or consulting appropriate professional advisors. Kelly Insurance Group does not employ, supervise, or direct attorneys.