When exploring life insurance options, understanding Guaranteed Universal Life (GUL) is important. As a conservative option for long-term needs, GUL provides permanent death benefit protection with predictable, level premiums, offering a sense of structure in an often complex insurance landscape.
At Tenzing Insurance Strategies, integrity & trustworthiness aren’t just values we list—they’re the foundation of everything we do. Our clients and their advisors entrust us with some of the most important financial decisions they’ll ever make—planning for the future, the financial well-being of loved ones, and stewarding generational wealth. That trust is earned through transparency, consistency, and doing what’s right—always.
As an M Financial Member Firm, we offer innovative insurance strategies backed by access to products, carrier access, and deep knowledge.
Life Insurance carrier ratings are a critical tool for evaluating life insurance companies. Learn how they reflect financial strength and impact long-term life insurance reliability.
Life doesn’t stand still, and neither should a life insurance strategy. Each year, we take time to review every client’s in-force life insurance coverage to help ensure it still aligns with needs, goals, and planning strategies. This month’s Tenzing Talks video walks through how the review process reflects our commitment to proactive, personalized service.
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.