Life Insurance

At O’Brien Planning Group we are carrier agnostic. We work with over fifty different insurance carriers to ensure our clients always receive the best possible product at the best possible price. Our unique approach to underwriting is guaranteed to protect our clients from the various pitfalls that exist throughout the insurance planning process. We never engage a carrier until we have a solid underwriting offer. Our process is designed to avoid poorly priced policies based on faulty underwriting at the carrier level.

Premium Finance
Many of our clients choose to have their insurance premiums financed by a third party lender. These clients pledge collateral instead of paying premiums. This estate planning strategy allows clients to maintain control of their assets while obtaining the insurance they require. It can also reduce or eliminate gift tax consequences for trust owned policies.