01
You maxed your 401(k). Now what?
Once tax-deferred limits are met, the conventional advice runs out. The next bucket, for high earners, is rarely a brokerage account alone. It's a tax-advantaged structure with protection built inside it.
For Founders and Executives
Build wealth the way the wealthy do.
Your personal CFO, a specialist team, and licensed advisors when you need them, all in one platform. The team the wealthy have always had, now in your pocket.
- Continuous oversight of your taxes, coverage, cash flow, and estate.
- Licensed advisors on call for the moments that need a human.
- Insurance + investment + tax + estate, in one place.
The gap
High earners get the same advice as everyone else.
The truly affluent don’t build wealth by accumulating index funds alone. They use a layered set of structures, protection, growth, tax efficiency, liquidity, and most of those structures are invisible from the outside.
02
Your advisor never explained cash value.
Most fee-only fiduciaries dismiss life insurance as a product, not a structure. They're trained to manage assets, not design wealth architecture. That's a real gap if you're a business owner or high-income professional.
03
Reddit told you cash value is a scam.
Most threads cite policies sold to mass-market buyers and lapsed for non-payment, products that were the wrong fit from the start. Designed correctly, for the right person, cash-value insurance is a wealth structure the affluent have used for decades.
Why we built this
The team the wealthy have always had.
Now in your pocket.
For decades, the structures that actually compound wealth, tax planning, integrated coverage, estate design, cash-flow orchestration, have been reserved for people with access to a family office. We rebuilt that team with specialists working full-time on your situation, and licensed humans on call for the moments that matter.
What the wealthy have
Gatekept by the family office
- Tax planningPrivate tax attorney
- Insurance structureFamily-office broker
- Investment coordinationWealth manager
- Estate designEstate planning attorney
- Cash-flow oversightPersonal CFO
- Concierge serviceFamily-office partner
Democratized
What Assurna gives you
Your specialist team, plus humans on call
- Tax planningTax Strategist
- Insurance structureCoverage Architect
- Investment coordinationInvestment Coordinator
- Estate designEstate Planner
- Cash-flow oversightCash-Flow Analyst
- When it mattersLicensed human advisor
The specialist team runs continuously. The humans are licensed advisors who step in for the strategy call, the carrier negotiation, and the claim that needs an advocate. You get both, without the family-office price tag.
How we work
Three steps, no surprises.
A clear process from first call to bound coverage. Most cases run four to eight weeks; complex structures involving multiple parties or premium financing take longer.
- 01Strategy call
Understand the situation, no pitch.
A licensed advisor reviews your income, business structure, current planning, and goals. By the end of the call you'll know whether cash-value insurance fits, and if it doesn't, we'll say so.
Typical
45 min
- 02Structure & illustration
Design the structure around the person.
If a structure makes sense, we design it from scratch, funding pattern, carrier fit, riders, exit plan. You receive a written summary and an illustration that complies with current NAIC actuarial guidelines (AG 49-A / AG 49-B).
Typical
1–2 weeks
- 03Underwriting & placement
Place coverage and stay involved.
We coordinate application, medical, and financial underwriting. After binding, we review the policy annually and adjust as your tax, business, or family situation changes.
Typical
4–8 weeks total
Your wealth-design team
Not a chatbot.
A specialist team.
Cash-flow strategists, coverage architects, tax-aware planners, and a claims advocate who stays involved after the policy binds. AI runs the analysis; licensed humans make the calls.
Coverage architect
Based on your income, business structure, and existing protection, here's the funding pattern that keeps you under MEC under §7702A while maximizing cash value at year 20…
What's the right structure for a $1M-earning business owner?
Worked through on every strategy call. Not a chat widget.
What we believe
Four principles that shape every recommendation we make.
- 01
Cash flow over capital gains.
Long-term wealth is built more reliably by structures that produce predictable cash flow than by structures that bet on price appreciation.
- 02
Protection is the foundation.
Every wealth plan that survives a setback starts with protection in place. Income, family, business, protected first, optimized second.
- 03
Structure over products.
A policy is a tool. The structure built around it, funding pattern, ownership, tax treatment, exit plan, is what determines whether it's the right tool.
- 04
Education over sales.
We'd rather you understand why a structure does or doesn't fit than walk away with a policy you can't explain. Sales follows education, not the other way around.
Common questions
What people ask before the strategy call.
We're a licensed insurance practice. We structure cash-value life insurance, tax-advantaged protection, and wealth-building strategies for high-income earners and business owners. Most clients come to us because the conventional advice they got didn't fit how the wealthy actually build wealth.
Households earning $250K+ and business owners who want to keep more of what they earn. Doctors, attorneys, founders, executives, and real-estate investors are our most common profiles. We aren't a fit for everyone, the strategy call exists to figure out whether we are.
It depends on the person. For some households it's the most tax-advantaged structure available to them outside a retirement account. For others, it's the wrong tool. We won't sell you a policy if your tax-deferred accounts and emergency fund aren't already in shape, fix those first.
No. The 45-minute call is free. Three fields to start the intake (name, email, household income); a licensed advisor follows up within one business day to schedule. We capture deeper context, liquid net worth, planning goals, once the call is on the calendar.
We're a commission-based brokerage. Carriers pay commissions on policies we place; that's how the practice is funded. You don't pay us directly. We disclose how we're paid on every policy we present and never recommend a structure that exists primarily to generate commission.
We work with A-rated carriers across the major lines. We don't publish the carrier list because the right carrier for your structure depends on the structure itself, and we'd rather discuss that on a call than have you anchor on a brand before we've looked at your situation.
Yes, if you need them. They aren't our marketing focus, but we place them for existing clients and households who need a single licensed point of contact across multiple coverages.
Typically 4–8 weeks from the first call to bound coverage. Strategy call (week 1) → application + underwriting (weeks 2–6) → policy review and issue (weeks 7–8). Premium-financed cases and structures involving multiple parties take longer.
The next step
45 minutes to find out if we’re a fit.
Three fields to start the intake. A licensed advisor follows up within one business day. No pitch on the call, just an honest look at your situation.
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