FAQs
What we get asked most
Why should I work with Hedgehog?
You should work with us because we recognize that life insurance is simply a small (but important!) piece to the complex puzzle that is planning for the ultra-wealthy. You’ve got to worry about trusts, investments, state and federal regulations, life insurance, business assets, retirement accounts, and more all working together in a perfect combination.
We make sure that we can deliver and what both you and the client needs. We work closely with you to make sure that life insurance does what it’s supposed to do. We won’t be greedy and try to upsell specific products or face amounts. We’ll deliver on our part of the plan.
What companies do you use?
You can see the list on our providers page.
An important truth: most independent life agents have access to pretty much the same carrier lineup.
However, it’s not just the carriers that matter: it’s the ability to structure policies, and that’s where we are an excellent asset. We’ve reviewed multi-million dollar permanent life policies that are set to lapse because an agent didn’t appropriately structure the policy at inception. In other cases we’ve seen agents issue a policy incorrectly so the IRS has a lookback period. We make sure those types of problems are avoided from the start.
So while we have as many or more carriers as any other agent, the real key is that we know how to structure policies.
How much insurance does someone need?
There is no single answer for this, though perhaps the simplest answer is, “this is why we work with wealth advisors”.
Often times the wealth advisor already has a darn good idea for what is needed. Is the policy for wealth transfer? Is it to cover taxes on an asset transfer like a business? No matter the reason, we work with the advisor and client to determine the appropriate face amount and game plan.
