Enormous Cost Savings


This simple strategy could provide enormous  saving to boost your bottom line.

We have all seen significant increases in our costs of employee and executive benefits due to the ACA but did you know that there is a part of your employee benefits where you may be able to save up to 50 – 70% of its total cost immediately and ongoing?

There are no smoke and mirrors, tax strategies or unrealistic assumptions, just straightforward cost savings.    This one simple discovery demonstrated to a Midwestern hospital how to reduce its life insurance costs from $2.8 million annually down to less than $1 million immediately, with the exact same coverage and using a very well-known and top rated insurance company.

Implementation is simple.  “White Collar” employees are guaranteed issue (provide a census and a check) while “Grey Collar” are generally simplified issue (answer a few medical questions).

Briefly, let us meet the creator of the strategy.  Grant Markuson is a tax attorney who counts as his clients, America’s largest banks, legal, insurance and brokerage firms.  Additionally, he substantially wrote the current trust laws for the State of South Dakota and was instrumental in establishing the South Dakota Trust Company.

While working on a pension rescue project with Kirkland and Ellis, Grant discovered an inefficiency in the way that life insurance benefits are being sold.  You see, most insurance contracts contain an up-front commission paid to the broker that can amount to 70, 80, 90% or more of the first year’s premium.  Additionally, there are typically unnecessary and highly profitable riders added to the contract further enriching the broker.  To be fair, not all contracts are flexible regarding their compensation, but among those that do, we have yet to encounter a broker who has brought this availability to their client.

We are different!  Being benefits consultants and attorneys first, we look for ways to help our business clients thrive.  We do this by looking at their current plan designs and finding ways to make them more efficient.  We reduce the commission load on the contract and stretch out the remainder over many years to reduce our client’s costs immediately and going forward.

Why do we do this?  Quite frankly, we want to earn new business and keep the business we have earned “on the books”.  We do not have the large well-recognized name normally associated with big benefit firms but we use the same insurance carriers, we have some of the brightest and most creative minds and most importantly, we are innovative to the betterment of our clients.

The immediate and consistent long-term savings of this strategy can be applied to a Bank Owned Life Insurance (BOLI) or Corporate Owned Life Insurance (COLI) model, Non-Qualified Deferred Compensation, correcting an underfunded pension, or a long-term endowment model for a not-for-profit (using a variation we call the Managed Life Insurance Plan (MLIP).

To discover how much your organization may be able to save simply CLICK HERE and complete the contact form.  A member of our staff will arrange a brief, no-cost, no-obligation conference call directly with Mr. Markuson.



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