Insurance Platform

Insurance Platform

Best-Interest Focused Insurance Solutions and Support

Our Insurance Platform

At C2P, our best interest-focused Insurance Marketing Organization (IMO), facilitates advanced product screening, selection, and support for all lines of fixed insurance products, such as fixed and indexed annuities, single premium, and traditional life insurance, and asset-based long-term care products. We are dedicated to implementing best interest practices for institutions, advisors, and ultimately families nationwide.
 

Client-First Insurance Marketing 

A defining characteristic of or insurance platform is our client-first mentality. We differentiate ourselves by focusing on what is in the clients’ best interest rather than gross production and sales. By helping advisors incorporate our best-interest approach in case design, product selection, and implementation of insurance solutions as financial planning tools, we’re able to help mitigate risk for clients.
 
We always have been and will remain proactive by building, testing, and refining our award-winning processes years ahead of legislation. This results in powerful asset-gathering tools rather than burdensome, compliance-driven processes newly derived to meet regulatory changes.

What You Get From Our Insurance Platform 

Award-Winning Product Screening & Analysis

Through our proprietary Best Interest Annuity Screening Process, recognized as the 2019 winner by WealthManagement Industry Awards for insurance innovation, we conduct an objective, thorough and analytical search of available products and providers to identify the best product fit for each case. We regularly screen more than 200 annuities to provide advisors with the strongest products available on the market based on a client’s needs and objectives.
 
We built this screening process to create an approved product shelf for our advisors to recommend in their clients’ best interest. We began doing this because we saw a need for it in the industry, not because the regulatory entities mandated it. With this intent, it has been tested and refined to be a systematic and functional business tool. With this process, we can help ensure that the advisor’s recommended products can be mathematically proven to be in the client’s best interest.
 

Annuity New Business & Policy Services

  • Assistance with obtaining and completing annuity applications
  • Provide full review for good order and standard suitability items
  • Facilitate expedient processing with the insurance carriers
  • Timely case follow-up services and communication tailored to meet the individual needs of our advisors
  • High-level problem resolution
  • Assistance with a full range of Inforce Policy Services (Withdrawals, RMDs, Beneficiary Changes, Client Information Changes, Benefit Election, Death Claims, etc.)
  • Access to a team of experience annuity service professionals that can help navigate through any new, pending, or in force policy scenario

Case Design & Illustration

  • Holistic custom case design using The Bucket Plan® Best Interest Process
  • Individual recommendations based on the client’s needs, goals, and concerns
  • Assistance with client illustrations
  • The Bucket Plan® holistic training and education

Licensing & Contracting

  • Variety of carriers available for annuity, life, final expense, medical supplement, and funeral expense trust business
  • Designated staff members to assist in the onboarding and contracting process
  • License, carrier, and product training checks
  • Access to back-office websites to track business and obtain applications

Compliance & Supervision

  • Best interest standards & screening process
  • Initial product suitability review

Product Training & Support

  • C2P Screening Process Product Guide
  • Product guidance and illustrations
  • Recommended crediting strategy allocations
 

What’s You Get From Our Insurance Platform 

Award-Winning Product Screening & Analysis

Through our proprietary Best Interest Annuity Screening Process, recognized as the 2019 winner by WealthManagement Industry Awards for insurance innovation, we conduct an objective, thorough and analytical search of available products and providers to identify the best product fit for each case. We regularly screen more than 200 annuities to provide advisors with the strongest products available on the market based on a client’s needs and objectives.
 
We built this screening process to create an approved product shelf for our advisors to recommend in their clients’ best interest. We began doing this because we saw a need for it in the industry, not because the regulatory entities mandated it. With this intent, it has been tested and refined to be a systematic and functional business tool. With this process, we can help ensure that the advisor’s recommended products can be mathematically proven to be in the client’s best interest.
 

Annuity New Business & Policy Services

  • – Assistance with obtaining and completing annuity applications
  • – Provide full review for good order and standard suitability items
  • – Facilitate expedient processing with the insurance carriers
  • – Timely case follow-up services and communication tailored to meet the individual needs of our advisors
  • – High-level problem resolution
  • – Assistance with a full range of Inforce Policy Services (Withdrawals, RMDs, Beneficiary Changes, Client Information Changes, Benefit Election, Death Claims, etc.)
  • – Access to a team of experience annuity service professionals that can help navigate through any new, pending, or in force policy scenario

Case Design & Illustration

  • – Holistic custom case design using The Bucket Plan® Best Interest Process
  • – Individual recommendations based on the client’s needs, goals, and concerns
  • – Assistance with client illustrations
  • – The Bucket Plan® holistic training and education

Licensing & Contracting

  • – Variety of carriers available for annuity, life, final expense, medical supplement, and funeral expense trust business
  • – Designated staff members to assist in the onboarding and contracting process
  • – License, carrier, and product training checks
  • – Access to back-office websites to track business and obtain applications

Compliance & Supervision

  • – Best interest standards & screening process
  • – Initial product suitability review

Product Training & Support

  • – C2P Screening Process Product Guide
  • – Product guidance and illustrations
  • – Recommended crediting strategy allocations
 

Who We Work With

Advisors:
We help financial advisors identify the best solutions for their clients no matter their situation. Through the platform, advisors have the option to effectively position fixed indexed annuities (FIAs) as a tool to help their clients.
 
Advisors can create appropriate documentation to showcase why each recommendation is in the client’s best interest to effectively introduce insurance products into their financial planning process and advisory business model.
 
Institutions:
We provide training and support teams of advisors to use insurance products that meet best-interest standards. With these tools, institutional advisors can implement a proven streamlined documentation process for their advisors to easily review and analyze.
 
Financial advisor firms can provide their teams with access to sophisticated product screening and evaluation to integrate insurance into a financial plan that helps their clients achieve their financial goals.
 

Why Work With Us?

The challenge many institutions are facing today against evolving fiduciary legislation is how to develop a thorough and compliant planning process, field test, revise, standardize, roll-out, train, and monitor this process, and then accept the liability of each plan presented by an affiliated advisor to their clients to uphold the best interest standard.

Fiduciary regulations – whether from the SEC, DOL, or state insurance commissioners – are changing rapidly. If your organization is assuming the liability of financial institution status, making you ultimately responsible for overseeing the compliance of your advisors in meeting best interest standards–you understand the significant undertaking and resources this may require.

Because of our proactive nature, we have found that other financial institutions are seeing great value in partnering with us. The best thing we can do is to emphasize the level of due diligence and training that we provide to help mitigate risk for those institutions, advisors, and clients alike.

RESOURCES

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