Getting the Best for You and Your Clients

Providing HNW clients and their family offices, CPAs, estate attorneys, and RIAs with fiduciary life insurance and annuity solutions

Are you a HNW client or a family office, CPA, estate attorney or financial advisor looking to incorporate efficient life insurance and annuity solutions for your clients into your comprehensive financial advisory practice?

Who would you rather partner with at implementing these solutions into your current practice?:

1) A high-commissioned agent looking to maximize the commissions paid on any solution they recommend?


2) An actuary that used to price and design these products showing your firm how to utilize no-commission products and structure them in a way to minimize expenses and maximize client benefit?

By partnering with Colva Insurance Services you have access to actuarial and insurance experts that work with estate attorneys, CPAs, and financial advisors on a daily basis to help design client solutions in the most tax-efficient way possible. With access to 90% of the carriers in the marketplace, we can find and structure the solution that is the most effective for your client across a wide array of products without being tied to a few carriers.

Annuity Products

The Problem with Traditional Life Insurance and Annuity Products

Most fiduciary financial advisors trying to do the best for their clients hate life insurance and annuities because they’ve seen firsthand how clients have gotten sold horrible products that ultimately hurt the policyowner—and left the financial advisor struggling to untangle the client from a poor investment!

And it’s for this reason that financial advisors have strayed away from utilizing life insurance and annuities in their practice. But if fiduciary financial advisors aren’t helping clients understand the value of these products, guess who is more than happy to do so. That’s right—high-commissioned agents. This means clients are continually getting poor products because they don’t have a fiduciary financial advisor helping them understand the risks and benefits or how these solutions are a better fit for their overall financial plan.

The Value of Working with Colva: Integrating Estate, Investment, Tax and Financial Planning Solutions

Colva uses its actuarial, investment, insurance and estate planning expertise to help its clients and advisors understand how to integrate these elements into a holistic financial plan for clients and avoid the pitfalls typically associated with the use of life insurance products.

Furthermore, clients will have separate advisors for their estate planning, investment planning, tax planning, and insurance planning with few understanding how one type of planning may negatively effect other parts of their planning.

Colva uses its actuarial, insurance, investment, and financial planning expertise to explain how all of these pieces fit together and how to utilize them in a way that combines to create a greater collective plan than the individual pieces adds on its own.

Our work has been featured in Advisor Perspectives, Think Advisor, Alpha Architect, Michael Kitces’ Nerd’s Eye View Blog, NAEPC, and more.

What Could You Achieve For Yourself and Your Clients?

Our services our tailored to each individual RIA that we work with. Get in touch to learn how you can make better financial decisions for your clients while earning more for yourself.