A BOUTIQUE INSURANCE ADVISORY FIRM SINCE 1975

Specializing in Income Protection, Asset Preservation, and Wealth Transfer Solutions for the Affluent

WHAT WE DO

While providing sophisticated life insurance solutions has been our specialty for over four decades, we have continuously evolved in order to meet the needs of our clients and advisor partners. 

In more recent years, our guidance has been sought to assist with solving other personal and business insurance-related issues.  These requests have, in turn, prompted our expansion into other areas of risk management.  

 

Today, we utilize our proprietary methods and analytics to help clients protect their income, preserve their assets, and transfer their wealth. 

 

This is accomplished through the evaluation, structuring, acquisition, and management of insurance portfolios.​   

 

HOW WE DO IT

Contrary to popular belief, insurance policies are not commodities.  In fact, companies issue policies with varying contract language, cost structures, and actuarial assumptions.  These elements allow us to creatively design the insurance portfolio in a cost-efficient manner.

Our unique process stems from an analysts' perspective, is devoid of salesmanship, and adds value by employing four technical methods:

 

  • Risk Transfer – Shifting risk from client to carrier by capitalizing on product inconsistencies.  Increased risk taken on by the carrier translates into better results for the client.

  • Arbitrage – Evolving industry dynamics create exploitable opportunities.  Locating, and executing upon, these aberrant conditions is critical to success.

  • Synthetics – Combinations of policy characteristics can deliver atypical results.  These bespoke configurations greatly enhance policy efficiency.

  • Modeling – Reverse-engineering pricing algorithms and internal policy components exposes potential performance enhancements.  This greatly assists with the decision-making process.

Coupled with our proprietary analytics, these methods enable us to uncover product anomalies, mispricings, and discrepant underwriting - all of which enhance our clients' insurance holdings.  

While not every solution requires the same deep dive, we are equipped to deliver the in-depth analysis and fact-based recommendations necessary to handle the most complex situations.  It is this ability to peel the layers back one by one, to support our assertions, that sets our approach apart from others.

 

WHO WE ARE

The concept of simultaneously representing both client and carrier is a myth.  Independent thought, and analysis, is essential to guiding clients through the decision-making process.  

 

Since our founding, we have been a family owned and operated firm.   We are not, nor have we ever been, beholden to any other organization.  To us, the insurance companies act merely as a source of supply. 

Our Principals possess more than 60 years of combined experience serving the needs of affluent clients and their advisors.

DANIEL LOFT
PRINCIPAL

Tel: 203-221-2766

dloft@consumers-ins.com

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MICHAEL LOFT
PRINCIPAL

Tel: 203-221-2821

mloft@consumers-ins.com

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Aside from client management and administrative functions, we have also formed a consultative brain trust consisting of accomplished professionals in the actuarial, financial, scientific, medical, legal, and accounting fields.  We collaborate with this talent pool to offer further insights, and ancillary services, to our clients. 

In return, we provide our own thoughts on issues faced by these professionals.  This free exchange of ideas keeps us on the cutting edge. 

 

WHO WE SERVE

Consistency and continuity are vital to achieving long-term goals.  We take pride in our relationships, many of which span multiple decades and generations.​

Our clients range from successful professionals to prominent families.

 

We focus our business on serving four client segments.  Click below to learn about the solutions offered to each.

 

WHO WE PARTNER WITH

We partner with select financial advisors and RIAs to become their outsourced insurance division.  In doing so, we supply best-in-class life, disability, long-term care, and specialty insurance solutions.  Our advisor partners have the opportunity to streamline insurance advisory to their clients without the attendant overhead, additional time commitment, and legal exposure typically associated with adding this service to their business model.

 

Our holistic, fully integrated platform provides risk management expertise and concierge-level service capable of handling situations ranging from the simple to the complex.  In addition, we conduct our own independent analysis of each recommended strategy utilizing the suite of proprietary analytics at our disposal.  This distinction adds measurable value to complicated client situations.

Financial advisors and RIAs partner with us to:

  • Integrate policy reviews and insurance needs analyses into their firm's existing business model.

  • Provide advanced life insurance analysis and product design to their most successful clients.

  • Expand the services offered to current clients, their tax/legal advisors, and other underutilized contacts.

  • Gain access to specialty products and strategies specifically offered to high earning clients.

  • Utilize our relationships and scale to positively impact underwriting outcomes.

  • Take back the time previously committed to back-office, administrative, and other insurance-related issues.

CONTACT US to learn more about this program.

 

WHERE WE ARE

MAIN OFFICE

191 Post Road West

Westport, CT 06880

Tel:   203-221-2766

Fax:  203-286-2880

Email: info@consumers-ins.com

FIND US

SATELLITE OFFICES

The Empire State Building

350 5th Avenue

59th Floor

New York, NY 10118

1200 North Federal Highway

Suite 200

Boca Raton, FL 33432

 

© 2020 Consumers Insurance Inc.

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