A 1035 exchange allows you to replace an existing life insurance policy while maintaining its tax-deferral benefits. Questions to consider include: When might a 1035 exchange be beneficial? What costs and risks should you consider? How do you determine if it’s the right move? Check out our latest Tenzing Talks video to learn more!
In many cases, a 1035 exchange can help policyholders see better policy outcomes—but careful analysis is required. Factors such as surrender charges, underwriting, and tax considerations all play a role in determining suitability.
Check out our latest video where we break down the key conditions to evaluate before recommending a 1035 exchange.
In our first Core Values in Action series video, we share a real-world example of how our independent approach helped a client navigate complex insurance options with confidence. By requesting bids from multiple carriers and providing transparent analysis, we helped the client and their advisory team to make a fully informed decision.
At Tenzing Insurance Strategies, we’re always looking ahead—refining the way we serve clients and their advisors. That’s where Sage Miller comes in. As Director of Strategy, she’s the mastermind behind our long-term growth, keeping our marketing fresh, integrating new technology, and ensuring everything we communicate stays clear and compliant.
At Tenzing Insurance Strategies, every recommendation is carefully designed to align with the needs of our clients and their advisors. As Director of Case Design, Michael Lee works closely with the team to develop tailored life insurance strategies that reflect each client’s unique priorities.
Meet Jon Liebeskind. Providing high-net-worth clients and their advisors with thoughtful, well-structured life insurance strategies requires attention to detail and collaboration. Jon plays a crucial role in analyzing client needs and working alongside the Tenzing team to develop thoughtful approaches that align with long-term goals.
A strong foundation of operational excellence ensures clients and advisors receive the highest level of service. As Director of Operations, Tracy Fitzsimmons plays a key role in overseeing smooth business processes, including the development of comprehensive annual policy reviews to help keep client strategies aligned with their evolving needs.
At Tenzing Insurance Strategies, attention to detail and seamless coordination are key to delivering exceptional service. Pearl Baron, Executive Assistant to Ken Knox, plays a vital role in ensuring the precision and professionalism our clients and their advisors rely on.
When applying for life insurance, having the right team on your side can make all the difference—especially if you have a health history that could impact underwriting.
Meet Janine Bent, Director of Client Services. Janine works directly with clients and advisors to navigate the underwriting process, helping to ensure that every application is positioned for the best possible underwriting outcome.
The underwriting landscape for life insurance is evolving. With improved mortality models and data-driven risk assessment, clients with complex health histories now have new pathways to obtaining coverage.