Life Insurance Planning

Protecting your Loved Ones Through Uncovered Wealth

Our founder witnessed firsthand the effects of the September 11, 2001, tragedies: families with proper protection maintained security, while others faced fear and uncertainty. This experience shaped OneTeam Financials mission to build comprehensive financial plans that protect your two most important assets, your family and your wealth.

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How We Optimize Your Life Insurance

Many clients don't realize what they're actually being charged for their life insurance. It's not just the premium—it's the actual charges and expenses deducted from that premium that matter. Without a team of specialists, you may never know those costs. Not knowing puts you at risk of potentially losing your protection or having your policy’s performance suffer if it’s primarily for accumulation.

Specialized Knowledge That Uncovers Hidden Value

Life insurance does two things very well: transfer wealth in the form of a death benefit and accumulate wealth with tax deferral. It does NOT do both well at the same time.

Through independent insurance portfolio reviews, our team will:

Use independent research to identify hidden fees and charges.
Compare your policy to all other policies for your issue age, death benefit, and rating class (think Morningstar for life insurance).
Collaborate with you to design the most efficient strategies based on your current goal, wealth transfer or accumulation.
Explain complex structures in clear, understandable terms. (We want you to know what you own and why you own it.)

Strategic Integration with Your Retirement Plan

Using The Bucket Plan^® process, we help ensure your life insurance works in concert with your entire retirement plan, including:

Tax-efficient retirement planning for potential tax-free income

Estate planning to maximize and protect your legacy goals to loved ones and/or important causes

Disability insurance to protect your most viable asset: Your ability to earn an income

Long-term care risk mitigation to protect your two most important assets from potential catastrophic consequences: Your family and your wealth

Business continuity planning for business owners and entrepreneurs to preserve and protect what you’ve built

Exclusive Solutions for High-Net-Worth Clients

Private Placement Solutions

For ultra-high net worth clients, we offer Private Placement Life Insurance (PPLI) and Private Placement Annuity (PPA) Investment Accounts to mitigate the impact of income taxes on long-term investment portfolios.

M Financial Group Advantage

As a member of M Financial Group, we provide institutional pricing, multiple carrier options, and less intrusive underwriting for the affluent risk class. This elite relationship gives us access to develop products that, result in lower premiums, increased service levels, and more effective client advocacy.

Put The Power of OneTeam Behind You

At OneTeam Financial, we don't just review policies and offer products: We uncover opportunities others miss and integrate them seamlessly into one holistic plan that serves your family and future. Our mission is clear: To ensure that no family or business we work with is ever left unprotected and have their whole financial house in order.

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