Estate planning
Wealth preservation and transfer
Advanced universal life structures as tax-efficient vehicles to fund estate taxes and keep wealth inside the family.
Discuss estate coverageCoordinated with your attorney and CPA.
Life & Estate Protection
Architecting Generational Wealth.
High-fidelity life insurance solutions for families who demand precision, privacy, and proactive legacy management.
Licensed life insurance producer in all 50 states. Response within 2 business hours.
The 75-45 Day Protocol
Oversight, not paperwork.
99.8%
Client Retention Rate
$2.4B
Assets currently under protection
- Prudential
- MetLife
- Northwestern
- Pacific Life
- MassMutual
- New York Life
- Lincoln Financial
- Transamerica
The Method
No gaps. No surprises. Total oversight.
The biggest risk in life insurance is not the cost. It is the lapse. We have engineered a failsafe management system that protects you from administrative oversight.
- 01
Automatic market re-entry checks at the 75-day mark
Every renewal is re-shopped across our carrier panel before the bill exists, so you only ever pay the most competitive rate you qualify for.
- 02
Direct concierge reach-out at 45 days for signature verification
A partner confirms ownership, beneficiaries and payment details in a single call. Nothing is left to a mailer.
- 03
Lien-free certificate of coverage provided annually
Your legal and tax teams receive a clean, current certificate each year for the trust file.
The 75-45 Day Protocol
Renewal timeline
Inception
120 days
75 days
Audit begins
45 days
Final review
Due date
Premium
While others wait for the bill, we enter a critical 30-day proactive window. Starting at 75 days out, we audit market rates to ensure your current premium remains the most competitive option available.
- Market audit begins
- 75 days
- Final risk review
- 45 days
The McClure Advantage
What changes when oversight is the product.
A standard brokerage sells a policy. We manage a liability for decades. The difference shows up in the details.
Policy review frequency
- Standard broker
- Reactive (upon request)
- McClure & Co.
- Proactive (annual)
Payment deadline support
- Standard broker
- Automated mailer
- McClure & Co.
- 75-45 Day concierge window
Estate tax coordination
- Standard broker
- Limited
- McClure & Co.
- Full CPA & attorney sync
Underwriting speed
- Standard broker
- 60-90 days
- McClure & Co.
- Priority path (14-30 days)
Legacy estimator
Visualize your future.
Move the slider to see how much protection a family office typically structures against an estate of your size, and what an irrevocable trust can keep out of the taxable estate.
- Protection is sized so heirs never sell assets under deadline pressure.
- Ownership sits inside an ILIT so proceeds arrive outside the estate.
- We hand the design to your attorney and CPA for review before any application.
$5M
Drag to adjust. $1M to $50M.
- Recommended protection
$2.5M
Coverage sized to settle transfer obligations without forcing a sale.
- Estimated tax savings
$1.2M
The portion of the estate an ILIT structure can keep inside the family.
Calculations are illustrative, based on current federal estate tax exemptions and ILIT structures, and are not advice.
Solutions
Four mandates. One standard of care.
Each engagement is placed with the carrier that underwrites it best, then managed under the same protocol for the life of the policy.
Business continuity
Key person insurance
Protecting an enterprise from the operational shock of losing vital leadership.
Family office
Bespoke term
High-limit income replacement for young families with evolving global lifestyles.
Claims advocacy
White-glove support
We manage the entire claims process so beneficiaries never handle paperwork in a time of grief.
FAQ
Questions we hear most.
If yours is not here, ask it in the form below. A partner answers personally.
What is the "75-45 Day" monitoring system?
Our oversight protocol. We begin a market audit 75 days before any premium is due. At 45 days, if no changes are needed, we make a personal concierge call to confirm every administrative detail, so a policy never lapses by accident.
Can you coordinate with my estate attorney?
Yes. We act as the technical life insurance liaison for your legal and tax teams so policy ownership and beneficiary designations match your trust documents exactly.
Which carriers do you work with?
Eight institutional carriers, including Prudential, MetLife, Pacific Life, MassMutual, New York Life, Lincoln Financial, Northwestern and Transamerica. We place each case where it is underwritten best.
Are you hiring?
Yes. We recruit licensed producers and career changers in all 50 states. See the careers page for open tracks and apply in under five minutes.
Contact
Begin your audit today.
Schedule a private consultation with a Senior Partner to review your current estate protection strategy.
- A Senior Partner replies within 2 business hours.
- Private by design. Your details are never sold or shared.
- Licensed life insurance producer in all 50 states.
Prefer email? hello@mcclureandco.com