Business Owners
Introduction
We understand the unique needs of business owners – we’re business owners too!
Unity’s technical expertise and execution ensures a strategic partnership that delivers ongoing exceptional service and support by working with business owners and their team of experts.
Why Work With Us
The Unity Experience
Partnering with Unity enhances the quality of service provided to your client. Our commitment is to be the expert in our domain. Technical excellence and ongoing service ensure your clients’ needs are met today and in the future.
Navigating Complex Underwriting
Unity has an established track record of assisting ultra-high-net worth clients navigate the complexities of the insurance market to secure the maximum possible life insurance coverage, on the best terms possible.
Advising on Highly Technical Planning
Unity’s mission is to provide unparalleled technical support during the upfront decision-making stage, ensuring that clients at all levels of sophistication.
How does unity help you
Support on Financial Planning:
Unity recognizes the critical role that family offices, accountants, and advisors play in managing the financial well-being of sophisticated clients. Unity is here to support you in several keyways:
- Expert collaboration – our team has an actuary, CFA, analysts, and operations experts to work closely with you to integrate life insurance into your clients’ broader financial plans, ensuring a cohesive strategy.
- Comprehensive reporting – Unity provides analysis and reports to make it easier to track policy performance and make informed recommendations.
- Educational resources – Unity offers ongoing training and resources to keep you informed about the latest developments in the life insurance products, helping you stay proactive to client’s needs.
- Client communication – Unity assists in communicating complex insurance concepts to your clients, ensuring they understand the value and benefits of their policies.
Support on Capacity
Unity has deep experience navigating retention limits. We have significantly enhanced our clients’ ability to secure large life insurance coverage amounts on favourable terms. Here’s how:
- Managing underwriting – Unity effectively and confidently present high-net-worth clients’ cases, highlighting strengths and mitigating risks. Collaborating with family offices, tax, and legal advisors, we understand and communicate key lifestyle and financial details. Effective storytelling can ensure fully implemented strategies.
- Leveraging relationships – Unity has long-standing relationships with underwriters at the large insurers. These relationships can facilitate better negotiation, clear communication and can lead to more favourable terms and higher coverage limits.
- Navigating multiple carriers – Unity strategically layers policies across multiple carriers, maximizing coverage by understanding each carrier’s risk appetite, capacity limits, and reinsurance arrangements. We prioritize a targeted approach over a broad one.
Ongoing Service
Unity provides continuous support throughout the life of a policy. Our dedicated team of advisors is always available to address any questions or concerns, ensuring that policies remain aligned with clients’ evolving needs. Our ongoing service includes, but is not limited to:
- Annual reviews – regular assessments to ensure coverage remains adequate and competitive.
- Claims assistance – streamlined support to facilitate the claims process, providing peace of mind during challenging times.
- Consultation on policy adjustments – Unity coaches clients and their trusted advisors on how to modify coverage as circumstances change, including growth or sales of assets, restructuring or estate freezes.
