Smart Planning that Works for Generations.
Life insurance is one of the most powerful tools available for protecting families, transferring wealth, and funding lasting legacies. We’ve spent over 85 years mastering it — so your family doesn’t have to.
Your needs are unique. Your planning, designs and guidance should be too.
No two families face the same financial challenges. Your family dynamics, belief systems, estate value, health profile, business interests, risk profile, needs and wants, and charitable goals all shape what the right structures and designs look like. We engineer solutions. Our team conducts a thorough discovery process before a single recommendation is made. This ensures your plan is built around your life, not someone else’s.
Estate
preservation
Medical Underwriting Advocacy
Premium
financing
Business
succession
estate preservation
Keep your estate intact across generations.
Estate taxes can erode a significant portion of what you’ve built over a lifetime. Properly structured life insurance programs can result in a wealth to transfer to your heirs — not the IRS. Irrevocable Life Insurance Trusts (ILITs), survivorship policies, and properly structured death benefits We work alongside your estate planning attorneys and CPAs to ensure your insurance strategy is seamlessly woven into your broader estate plan.
A More Intelligent Approach to Life Insurance
- Life insurance, when designed correctly, is one of the most powerful tools in wealth planning. When designed poorly, it’s just an expensive commodity.
- Our focus is on getting it exactly right.
- We work alongside top-tier estate and tax professionals to build sophisticated insurance strategies that integrate seamlessly with your broader financial plan. This includes structuring policies within trusts, optimizing funding approaches, and engineering solutions that address estate taxes, liquidity needs, business succession, and wealth transfer.
- What differentiates our firm is the depth of analysis behind every recommendation—and our commitment to staying actively involved long after a policy is acquired. We continually evaluate performance, structure, and relevance to ensure your strategy remains aligned with your goals and remains best in class within the industry.
medical underwriting advocacy
Don’t let health history limit your options.
Carriers evaluate risk differently. What one insurer declines, another may offer at a standard rate. Our in-house medical underwriting advocate team includes former carrier underwriters who know how to present complex medical histories in the most favorable light — before a single application is filed. This advocacy can be the difference between success and failure.
Why this matters for your clients
Clients with complex medical histories are often told they’re uninsurable. Our team knows which carriers specialize in these profiles and how to position a case for the best possible outcome. We never file an application cold.
Clients with complex medical histories are often assessed more conservatively than warranted due to incomplete or surface-level underwriting. Offers are impacted by how a case is positioned. We work directly with underwriting teams to present each case with precision—resulting in more favorable assessments and improved overall outcomes.
business succession
Plan for the day you step away.
Buy-sell agreements funded by life insurance ensure business continuity when a partner or key person dies or becomes disabled. Key-person coverage protects against the financial impact of losing a critical employee. We help business owners design, fund, and maintain these arrangements — coordinating with your legal and accounting advisors to keep agreements current as your business evolves.
Buy-Sell Agreements
Fund cross-purchase or entity-redemption agreements with life and disability insurance to ensure a smooth transition at any triggering event.
Key Person Coverage
Protect the business from the financial disruption of losing a founder, rainmaker, or irreplaceable executive with precisely sized death and disability coverage.
How we work: our 7 step process
A rigorous process. A precise result.
Every engagement follows the same disciplined framework — because comprehensive designs are never an accident.
We begin by understanding what matters most to you. This includes your personal goals, family priorities, and long-term legacy plans. We review your current financial picture, identify potential inefficiencies, and coordinate with your broader advisory team to ensure everything is aligned.
Our Independence:
Why it benefits you.
We are not captive to any insurance company — so we shop the entire market on your behalf, accessing carriers and negotiating terms a single-carrier agent simply cannot.
Carrier-Agnostic Shopping We access dozens of highly-rated carriers and select the right fit for your health, need, and timeline — not a sales quota.
Coordinated Advisor Team We collaborate directly with your estate attorney, CPA, and financial advisor to ensure your insurance strategy is fully integrated with your broader plan.
Policy Review & Rescue Existing policies are often underperforming or misaligned with current estate law. We conduct objective, fee-neutral audits and can restructure, replace, or repurpose coverage as needed.
Dedicated Client Service You work with a dedicated team — not a call center — ensuring responsive, consistent oversight from implementation through ongoing management.
A legacy of trust,
built over 85 Years.
Schechter Wealth has been advising high-net-worth families on their insurance needs for over 85 years. Our clients are executing on long term plans. One of he reasons they choose Schechter is because they know our family will be here for their family.
A+ Carrier Ratings required
We only place coverage with carriers whose financial strength ratings meet our minimum threshold. Your family’s security depends on the carrier being there decades from now.
four generations
The Schechter name has meant advanced insurance expertise since 1939. That continuity translates into knowledge, relationships, carrier access, industry reputation and underwriting insight that is unmatched in our industry.
Let’s Have a Conversation.
After we understand you, your objectives, and your current situation, we can educate you on many of the strategies our clients have adopted to help them meet their objectives.
Whether you’re transferring assets to children or grandchildren, looking to improve an existing life insurance portfolio, planning your estate, or just beginning to think about this area of our life — a conversation with our team costs nothing and clarifies everything.