DBS

Diversified Brokerage Services

Investment Advisor Platform

Providing Point of Sale and Back Office Services

CONSULTATIVE, UNBIASED SOLUTIONS

Life, Disability, Annuities & Long-Term Care Insurance

We are a consultative resource helping you deliver unbiased insurance solutions to help minimize your clients’ risk, maximize available planning techniques and complement your strategies, without diverting your focus. We are an extension of your team.

FEE-ONLY ADVISORS

We work directly with you and your client to consult on insurance solutions and execute agreed-upon planning strategies on your behalf. We communicate on every aspect of the solutions we recommend and are fully transparent in our process.

FEE-BASED ADVISORS

We work with you to determine an insurance services model that best fits your practice, working alongside you during client conversations or as a case consultant. If you refer clients directly to us, we will show the care & personal attention your clients expect from you.

WEALTH ADVISOR FIRMS

We are uniquely positioned to help you uncover opportunities and provide support throughout the sales process. Having a case design team, coupled with an attorney on staff and in-house underwriters, we are able to provide all the back office support you need. 

Robust Solutions

With access to nearly 30 carriers across all product lines (life, LTC, disability and annuity), we can meet a variety of client planning needs.

Comprehensive Process

As independent insurance advisors, we help you gather client data and walk you through the final step of implementing and monitoring those policies on an annual basis.

Advanced Expertise

Already skilled with considerable experience in complex insurance planning, we also have an in-house attorney at DBS to assist with estate, business, and charitable planning.

Jim Ria web photo

Jim Boldischar, CLU, ChFC

National Insurance Specialist
877.593.7655
Email Jim                                               Schedule an Appointment

Natl Ins Spec

We Will Partner With YOU!

  • Understanding of Your Needs
  • Underwriting Advocacy
  • Full-Service Support
To learn more about our services  Click Here
To learn more about our process  Click Here

The Ease of Doing Business

With Us…

Obtaining client information is easy with our secure online questionnaires. They can be used to:
– Request a life, annuity, or disability proposal
– Gather health information
– Obtain data for an application

For Life Cases:

 General Questionnaire for ProposalInformal InquiryTerm Cases under $5M

For Proposals & Illustrations:

  LTCDisabilityAnnuity

Upload a File Securely

Click Here

Working on an Advanced Case?

We have advanced resources to help! Contact our in-house Chief Underwriter and Advanced Sales Attorney. They can give personalized attention to your most important cases!
Ask the UnderwriterAsk the Attorney

BENCHMARKING ● POLICY REVIEWS ● STRESS TESTING ● COST ANALYSIS

Watch to Learn More About Jim

Watch the replay of our recent webinar!

John Hancock's Aspire for those with Diabetes

Long-Term Care: A Burden Relieved

Counselor’s Corner

Terri Getman, J.D., CLU, ChFC, RICP, AEP (Distinguished) brings to DBS an extensive background and considerable industry respect, in both the marketing and advancement of large, complex life cases. For more than 30 years Terri has specialized in the appropriate use of life insurance in estate, business and executive benefit plans. Terri’s expertise and ability to turn complex life insurance planning techniques into understandable solutions has made her a well-known industry speaker and contributor to financial publications.

TERRI’S BIO

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The Process

Once you choose to work with us, here’s what the process will look like:

View PDF of the Process

Or, email us with client details and instructions. During the call we'll discuss client needs and determine objectives. This will also include a client introduction to Jim to begin the process.

Step 1 - Schedule a Conference Call

Or, email us with client details and instructions. During the call we’ll discuss client needs and determine objectives. This will also include a client introduction to Jim to begin the process.
Sent via email to the client, this information is used to determine the most appropriate carrier and product. It will also help Jim address any underwriting concerns.

Step 2 - Complete Questionnaire

Sent via email to the client, this information is used to determine the most appropriate carrier and product. It will also help Jim address any underwriting concerns.
Prepared for advisor and includes client review, with questions or concerns addressed. Then, we request an acknowledgement that the client plans to move forward.

Step 3 - Presentation & Decision

Prepared for advisor and includes client review, with questions or concerns addressed. Then, we request an acknowledgement that the client plans to move forward.
With the client, our team completes a drop ticket or e-application either sent directly to the client for electronic signatures or by mail. An in-person paramed exam may be required.

Step 4 - DBS Completes Application

With the client, our team completes a drop ticket or e-application either sent directly to the client for electronic signatures or by mail. An in-person paramed exam may be required.
The insurance company will review the application, order a phone interview, or send the client an online interview form. Many carriers will issue up to $1M for ages 18-60 without exams or labs. If exams are needed we will advise.

Step 5 - The Underwriting Process

The insurance company will review the application, order a phone interview, or send the client an online interview form. Many carriers will issue up to $1M for ages 18-60 without exams or labs. If exams are needed we will advise.
We will notify you and the client once the policy is approved or if the offer is other than applied for, at which time we will advise as to next steps.

Step 6 - Carrier Decision Notification

We will notify you and the client once the policy is approved or if the offer is other than applied for, at which time we will advise as to next steps.
Certain policies will have hard copies mailed to your clients with instructions and where to sign and return. We will confirm once the policy is in place and that it is all right to cancel any policy(ies) they may be replacing.

Step 7 Delivery & Policy Placement

Certain policies will have hard copies mailed to your clients with instructions and where to sign and return. We will confirm once the policy is in place and that it is all right to cancel any policy(ies) they may be replacing.
Need to change a beneficiary? Address? Want an in-force illustration? Term conversion information? A different type of payment schedule? We will take care of that for you and your client!

Step 8 - Policyholder Services

Need to change a beneficiary? Address? Want an in-force illustration? Term conversion information? A different type of payment schedule? We will take care of that for you and your client!

 

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Securities offered through The Leaders Group, Inc. Member FINRA/SIPC. 26 W. Dry Creek Circle, Suite 800, Littleton, CO 80120, 303.797.9080. Diversified Brokerage Services is not affiliated with The Leaders Group, Inc.


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