Insurance, guided by sensibility–not sales quotas.

The voyage is different for everyone. Shouldn’t the tools you use to get the most out of life be made to complement yours?

Meet with Prudent

When it comes to insurance, your high net worth makes performing deeper due diligence essential.

It’s an all-too-common scenario: a high-net-worth individual is sold a contract by an insurance agent. After little to no review and with only a surface-level understanding of who they’re insuring, the agent makes their commission, and walks away.

Others affluent individuals resort to ‘self-insuring’. They go along with a policy without fully grasping how it’s structured, and without knowing how to use life insurance as a cash flow tool – or understanding the power of leverage.

The truth is––your life insurance contract needs to be managed and reviewed annually – no differently than any other investment you own.

THE PRUDENT APPROACHMinimize risk and maximize benefits with an insurance solution designed for you.

Whether you’re an entrepreneur, serial investor, real estate developer, dynastic family, or an executive, we are here to help you navigate these complexities prudently.

Discover Our Approach

Specializing in

Premium Financing

Complex Insurance Structures

Private Placement Life Insurance (PPLI)

Buy-Sell & Split Dollar Arrangements

Cost & Performance Analysis

Legacy, Estate & Privacy Planning

Tax Minimization

Estate Tax & Liquidity Planning

Do you know what you own?

How well do you know the details of your policy? Take a deep dive with our Insurance Analysis and resurface with insights that enlighten.

See What to Expect

We are committed to taking a thoughtful, sensible approach to insurance.

Our insurance solutions cannot be bought or sold. They are developed only through careful, forward-thinking consultation with the individual they are designed to serve. That’s what sets Prudent apart. It allows us to provide unmatched service that is just what you need. Nothing more, and nothing less. Solutions that make sense for you.

More About Us

“I despise the use of words like “agent” and “sales” when it comes protecting your wealth...

…and don’t get me started on the overuse of the words ‘financial advisor’, ‘financial planner’ and ‘wealth management’. All too often people are sold products they don’t want, don’t need or don’t understand. Life insurance is a necessity – at times – but it’s time to work with someone who takes a consulting approach.”

Steve Olson, CFP®, AEP®
CEO, Prudent Insurance

Case Studies

Whether you’re developing an exit from your business, want to maximize your legacy, or have achieved enough wealth to have an estate tax liability that you need to solve for––Prudent can help.

We invite you to explore just a few of clients’ stories to see the difference the Prudent approach to insurance can make.

Prudent Insights

We believe in sharing our knowledge, insights and information to empower you and the next generation to make prudent financial, legal and tax decisions.