Helping Protect All That Matters

Getting Financial Advice, whether Life Insurance or Retirement and Investment Advice / Wealth Management, the process should be a painless experience! It should be clear, and the person advising you should not be trying to sell you something, but rather help you navigate an array of products to find the one that suits your needs and goals!

We offer not only over 25 financial insinuations and carriers to choose from, but also experienced investment advisors, stellar case management and in-house underwriting. From start to finish our aim to make sure you have access to the best value and products as well as the most professional experience possible.

You see, we are a Fiduciary, not an Agent, this distinction makes all the difference in the world!

An Agent works for a particular Financial Company, and while that company may be great, that Agent is obliged to market financial products from that company ONLY!

As a Fiduciary, our obligation is to our clients, meaning we work for you and can offer ANY company or product we see fit!

Financial Planning Done Right!

In addition to nominal Life Insurance needs, our team can help you focus on building tax-efficient retirement saving and income strategies if that is one of your goals. Our job is to help you confidently retire from yours.

Comprehensive and Coordinated Retirement Income Planning that Addresses Risks and Matches Your Goals and Tax-Efficient Planning to Avoid Costly Mistakes During Retirement!
We believe focusing on the things you can control offer the greatest benefits to your retirement. Tax planning is a core component of comprehensive retirement income planning. We'll review all potential tax implications that could negatively impact your retirement security so you’re well-prepared for filing season and everything in-between. From exploiting tax-saving opportunities to implementing proactive efficient withdrawal strategies, we'll help ensure the financial decisions you make avoid potential tax consequences while increasing after-tax retirement income.

We accomplish this by working with a team of Estate Planning Attorneys, CPA's, and experienced Fund Mangers.

Our Job is as Adviser,
Not Salesman!

What is a Fiduciary (fi·du·cia·ry)
Definition of fiduciary-fiduciary adjective
Of, relating to, or involving a confidence or trust, such as:
a. held or founded in trust or confidence
b. fiduciary relationship
c. bank's fiduciary obligations
d. holding in trust
e. depending on public confidence for value or currency

Definition of fiduciary-fiduciary noun
One that holds a fiduciary relation/acts a fiduciary capacity

A fiduciary is a person who holds a legal or ethical relationship of trust with one or more other parties. Typically, a fiduciary prudently takes care of money or other assets for another person.

Our job is as a facilitator, to use our knowledge to guide our clients in their pursuit of attaining financial goals for themselves and their families.

The Life Insurance Process

Whether term or permanent, Life Insurance can be an integral part of Financial Planning. The process really begins by asking you "What is your motivation for getting Life Insurance" What are you trying to accomplish now, and what are you looking to accomplish in the future?

Next, Preliminary Underwriting. We represent over 25 companies, so it's really important for us to find the company that will offer you the best product for your needs, as well as the best value for your money - based on the underwriting class the Insurance Company eventually classifies you in.

Once we know what kind of product (or products) will meet your needs we couple that with our in-house underwriting best guesstimate of what Risk Class you will receive, and run the numbers.

From there we take an application and order a medical exam and Physicians Records.

We prep you for your exam and lab tests in order to get the best results.

From there the entire package is submitted to the insurance company and await feedback from their underwriters.

If the Insurance Company returns with an offer (Risk Class) that we feel is not in keeping with what we believe you can get, we "Shop the Policy" to other companies and ask them for offers. Usually, if we do that it is because we have strong reason to believe that we can get a better offer, and we do.

Once you have excepted an offer - we have the carrier issue the policy. Deliver to you, sign delivery documents with you and continue to service you and your policy.

What our Clients Say

Alex L.

New York

“When both my elderly parents were in need of Life Insurance, Michael was a great help in finding the right policy for each of them. The process was sometimes difficult and my father was declined, Michael worked hard to find a company that would approve him. Eventually he was able to get my father a policy and never gave up. I am thankful to him and the agency staff, and they are always there to answer any questions I have - Five years later!”

Let Us Know How We're Doing

Equitas Advisors cares about what you think.

Please take a moment to drop us an email with your feedback below. Thank you for being a client of Equitas Advisors, we hope that we have gone above and beyond your expectations.

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Testimonials