The most successful families don’t add insurance because they need it. They add it because it enhances outcomes, simplifies complexity, and reinforces everything the rest of the plan is designed to do.
At Collaborative, we design insurance strategies to deliver clarity when timing, emotion, and complexity intersect. These aren’t reactive purchases—they’re proactive decisions that reduce friction and increase control in critical moments.

Life Insurance
Life insurance shows up in planning sometimes because it’s needed—to replace income or preserve wealth—and often because it serves a purposeful role. It delivers immediate, tax-advantaged liquidity right when timing, complexity, and emotion collide. It’s not just about creating dollars—it’s about directing how those dollars move, with intention and control.
It doesn’t replace wealth. It protects how that wealth moves—without forcing disruption or compromise.
For clients who care about clean execution, reduced friction, and protecting the structure of their broader plan, life insurance can provide critical stability—on their terms.
Strategic applications include:
- Estate liquidity and tax efficient wealth transfer
- Buy-sell funding and business continuity
- Supplemental income and bridge strategies
- Income protection and debt protection
Built not to replace planning—but to reinforce it.
Disability Insurance
Disability insurance plays a quiet but essential role in sophisticated planning. It ensures responsibilities are met seamlessly—even when health challenges interrupt your ability to perform. Obligations are honored. Bills are paid. Privacy is maintained. And no one else has to step in or step up.
This isn’t about what’s expected—it’s about what’s possible when a plan is built to continue, uninterrupted. Disability insurance is used to:
- Replace household income for high income earners that group coverage does not adequately cover
- Fund buy sell agreements when a partner becomes disabled
- Reimburse business overhead expenses if the primary owner is disabled
- Fund debt obligations or replace retirement account funding
- Replace stock options lost due to disability
We design for privacy, precision, and continuity—without liquidating assets or leveraging family.


Long-Term Care
Long-term care planning isn’t always about affording care—it’s about creating flexibility. For clients with significant assets, coverage provides space to act thoughtfully, not react urgently, when care decisions arise. It’s in protecting family from the stress of making difficult decisions under pressure. It’s in avoiding disruption to the broader plan. And it’s in keeping financial and emotional boundaries clear during a vulnerable time.
This is planning that reduces friction, preserves relationships, and gives families structure in moments where most people feel unprepared. Structured solutions may include:
- Asset-based LTC with liquidity and optional return-of-premium
- Hybrid plans integrated with life or annuity chassis
- State-compliant strategies for select jurisdictions
We design to protect people—not just portfolios.
Annuities
A well-designed annuity carves out stability in an otherwise dynamic plan. It allows other assets to stay invested, trusts to remain untouched, and withdrawal strategies to stay intact—even when markets shift.
For clients used to making complex decisions, this isn’t about income. It’s about simplifying one part of the equation—so the rest of the plan stays flexible.
There’s value in knowing that no matter what happens externally, the foundation is already in place. It’s quiet confidence, built into the structure.
Where Our Strategies Deliver Impact:
- Guaranteed lifetime income or managed withdrawal strategies
- Tax-deferred growth solutions for non-qualified compensation plans
- Equalization approaches to balance inheritances in estate or succession plans
- Planned income strategies post-business sale or transition
This is liquidity that doesn’t compete with the plan—it completes it.
