Core Disciplines
Four product lines, each structured around a defined purpose in an individualized high net worth plan, or for corporate planning purposes, your executive benefit needs.
Life insurance
Creates certainty in estate preservation and liquidity, leveraging income for retirement planning, and utilizing tax efficient methodologies.
Disability income
Protects the income streams, your most valuable asset. While also sustaining both family lifestyles and business operations. All without risk of losing your premium dollars.
Annuities
Structured with highly rated carriers to deliver stability, predictability, and risk-managed growth.
Long-term care
Helps protect portfolio principal from the financial impact of extended care events. For pennies on the dollar, leverage underutilized assets while enjoying the comfort of our concierge care coordinators.
A structural feature of the Edge practice
On eligible life, disability, annuity, and long-term care contracts, Edge designs policies so that premium dollars come back when coverage is not called upon. Protection that behaves like a structured asset rather than a sunk cost, aligned with the way high net worth clients think about capital.
A concierge care coordinator, built into the policy
For the clients Edge serves, long-term care is not a money problem, it's a care coordinator problem. The capital is there. The missing piece is a concierge care coordinator who handles the day-to-day care decisions a family would otherwise navigate alone. By utilizing dead assets, Edge designs LTC structures so that capital that was once idle becomes both protection and a service. The result is both financial protection and a concierge care coordinator when the family needs them.
Who We Serve
A select group of high-income individuals, family offices, medical professionals, and business owners who require more than conventional insurance solutions.
Clients whose income is the plan
Many of our clients are high earners whose ability to generate income is central to their long-term financial strategy and overall financial success.
They value thoughtful design, disciplined execution, and a higher standard of accountability in protecting wealth, both today and over time.
Where we work
- High-income individuals and households
- Family offices coordinating wealth across generations
- Physicians, surgeons, and medical groups
- Attorneys, law firm partners, and legal practices
- Business owners and closely held enterprises
- Executives and professionals in specialty occupations
Our Approach
A disciplined review first. An institutional-caliber framework second.
Action only where it sharpens the outcome.
A thorough review of what is already in place
We begin with a thorough and disciplined review of your existing insurance portfolio, evaluating performance, structure, and alignment with your broader financial objectives.
If current solutions still work, they stay
If current solutions continue to meet their intended purpose, they should be preserved. In many cases, the most valuable recommendation is to make no change at all. As your needs evolve over time, we focus on enhancing what is already in place, layering additional coverage or refining structure to strengthen overall outcomes.
An institutional-caliber framework
From there, we apply a framework that brings clarity, efficiency, and intentional design to an area often fragmented or overlooked. Every recommendation is measured against clearly defined standards to reduce unnecessary costs, improve long-term performance, and ensure alignment with your evolving objectives.
Guarantees Where They Matter
Our strategies emphasize measurable outcomes and contractual certainty. Where appropriate, solutions are structured with guarantees that bring clarity to estate planning, income protection, and long-term risk management, replacing ambiguity with confidence.
A dedicated risk management specialist within your advisory team
We work in close coordination with your financial advisor, CPA, and attorney to ensure every solution integrates seamlessly into your broader wealth strategy. Our role is not to replace these relationships, but to strengthen them, serving as the dedicated risk management specialist within your advisory team.
From initial design through policy placement
We deliver a highly curated experience. Underwriting is proactively managed with clear expectations established upfront, ensuring alignment between what is proposed and what is ultimately delivered. This disciplined approach ensures solutions meet the highest standard not only in design, but in execution.
This is not transactional insurance planning. It is a curated, high-touch experience designed to protect, preserve, and elevate wealth across generations.
Carrier strength
Edge places business with carriers selected for financial strength, product fit, and responsiveness to specialty cases.
Life
- North American
- John Hancock
- Lincoln Financial
- MassMutual
- Symetra
- Banner
- Nationwide
- New York Life
- Pacific Life
- Principal
- Protective
- Prudential
Annuities
- Axonic
- American National
- North American
- Aspida
- GILICO
- Oceanview
- EquiTrust
Disability
- Exceptional Risks
- MassMutual
- The Standard
- Principal
- Unum
Long-term Care
- OneAmerica
- Nationwide
Carrier appointments and participating markets may change over time. Ratings and product availability vary by state and by case.
Your concierge team
A single point of contact, backed by a full bench of product specialists. Every Edge client has one person they know and a team they can rely on.
Edge has formed a strategic partnership with E4 Insurance Services to deliver a highly curated, institutional-caliber experience - providing seamless access to premier carriers and sophisticated markets across life, income protection, estate, and long-term care planning.
At the core of this partnership is E4’s proprietary, AI-driven underwriting intelligence, designed to quietly evaluate and secure multiple, best-in-class offers from top-tier carriers. The result is a level of precision and efficiency not typically available through traditional channels.
This is not a process built on assumptions. It is a disciplined, data-informed approach that identifies the optimal structure and carrier alignment for each client’s unique balance sheet and long-term objectives.
Alongside E4 Insurance, today’s fastest growing independently owned Broker General Agency (“BGA”). Our team stands ready to provide you with the best in class concierge services.
Brady Serold, CLTC
- Disability case design and illustrations
- Pre-underwriting evaluations
- Policy reviews
- Point of sale support
- Multi-life and Guaranteed Standard Issue design and support
Doug Twiddy
- Financial goal analysis
- Tailored annuity case design
- Allocation analysis
- Annuity inspections
- Pension Max strategy
- Product features and benefits expert
Angela Summers, J.D.
- LTC and linked-benefit illustration support
- In-force policy support
- Application questions
Kelly Hayes, CCM, ACS, ARA, ALU, FLMI
- Application questions
- Pending case status
- Pre-underwriting evaluation
- Website assistance
Tracy Spaeth
- Contracting
- SureLC assistance
- Licensing
- Insurance company appointment requests
Bill Black
- Case design and quoting
- Product selection and training
- Policy review
- Illustration support
- Pre-underwriting evaluations
What concierge means at Edge
Every client receives a dedicated concierge who knows their file, their existing contracts, and their advisors. The concierge manages the full lifecycle of the relationship, including application and underwriting, annual in-force reviews, coordination with your CPA and financial advisor, and claims when they are needed. Reach the Edge concierge line at info@edgeinssolutions.com.
Begin a conversation
A conversation begins with a brief note. Tell us what you are considering, and a member of the Edge team will be in touch.
Click any you are interested in
Thank you
A member of the Edge team will be in touch.
All inquiries are confidential and reviewed by the Edge concierge team.