Carrier Relationships
Carriers we work with.
We work with a focused group of carriers and explain the product, cost, and compensation before a client applies.
Insurance products through Koala Insurance Solutions, LLC.
We review life, disability, long-term care, annuities, and business coverage against your actual family, balance sheet, estate plan, and goals. If coverage fits, we explain why. If it does not, we say that too.
Insurance can be useful. It can also be unnecessary, outdated, expensive, or owned the wrong way. The first job is to understand the situation.
Term, permanent, survivor, and trust-owned policies reviewed for amount, ownership, beneficiary, and purpose.
Income protection for professionals, owners, and households where earnings are the plan's engine.
Traditional, hybrid, and self-funding approaches reviewed against family resources and estate goals.
Existing and proposed annuities reviewed for guarantees, liquidity, surrender charges, tax treatment, and fit.
Key-person coverage, buy-sell funding, and owner planning where insurance supports a business agreement.
Policy ownership and beneficiary designations reviewed against trusts, estate goals, and family realities.
Insurance is a tool, not a goal. These are the situations where it usually deserves a serious look.
When most of a family's wealth sits in property or a business, there may not be cash on hand to cover taxes, debts, or equal treatment of heirs. Life insurance owned by a trust can supply that cash so nothing has to be sold in a hurry.
A buy-sell agreement is only as strong as the money behind it. Insurance can fund the buyout, so the surviving partner keeps the business and the family gets paid fairly.
When a household runs on one career, disability and life coverage protect every other part of the plan - the mortgage, the kids' education, retirement itself.
Care costs late in life can quietly consume what was meant for a spouse or the next generation. Sometimes coverage makes sense; sometimes self-funding does. We run the numbers both ways.
And sometimes the answer is buying nothing. We will tell you that too.
We work with a focused group of carriers and explain the product, cost, and compensation before a client applies.
Insurance compensation usually comes from the insurance carrier when a policy or annuity is placed. We do not charge a separate advisory fee for insurance placement, and we explain the carrier relationship before an application is submitted.
You are not required to buy insurance through Koala.
We may review existing coverage and recommend keeping it as-is.
Carrier compensation varies by product and carrier.
Insurance is offered through Koala Insurance Solutions, LLC, whose California insurance agency license is in process.
No. We are not of the belief that everyone needs more insurance. We look at each client's situation and only suggest coverage if there is a real fit for that individual, family, or business.
That is a common starting point. We review policy type, cost, coverage, ownership, beneficiaries, surrender charges, and whether the policy still serves the reason it was purchased.
No. We focus on life insurance, disability income, long-term care, annuities, and certain business coverage. Home, auto, commercial liability, and workers' compensation are different insurance lines.
Yes, when you authorize it and when it makes sense. Insurance can affect estate documents, beneficiary designations, business agreements, and retirement income planning.
A 30-minute conversation at no obligation. Tell us what you want reviewed and we will route you to the right insurance team member. We follow up within 1 business day.
Thank you for reaching out. A member of the Koala Insurance Solutions team will be in touch within 1 business day.
Return HomeInsurance compensation usually comes from the carrier when a product is placed. We explain the carrier relationship before any application.
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