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 Boldischar, CLU, ChFC

National Insurance Specialist
877.593.7655
Email Jim Schedule an Appointment

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 Proposal Informal Inquiry Term Cases under $5M

For Proposals & Illustrations:

LTC Disability Annuity

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 Underwriter Ask 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

Past Issues – Counselor’s Corner

Complexities of Using Life Insurance in Retirement Reconsider Owning Life Insurance During Retirement Long-Term Care in Retirement

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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

Step 1 - Advisor schedules a phone call or sends email

to insurance@dbs-lifemark.com to provide client details and discuss their needs and objectives. This also includes a client introduction to Jim via email.

Step 2 - Complete Secure Online Questionnaire

We send the client a link to complete our online questionnaire. The information provided is used to determine the best carrier & product and identify any underwriting concerns.

Step 3 - Presentation & Decision

We present an objective summary of options for the advisor and client to review and address any questions or concerns. Then, we request acknowledgment that the client plans to move forward.

Step 4 - Submit Insurance Application

Our team will complete the application paperwork and obtain client signatures. This is often an electronic process that can be completed 100% online.

Step 5 - Underwriting & Policy Issue

We prepare the client for the carrier underwriting interview, and, if needed, their exam. Our team manages the case as it is reviewed and underwritten by the carrier. We update the client and advisor of the application status until the policy is approved and issued.

Step 6 - Policy Delivery/Placement & In Force Support

Our team will walk the client through the policy delivery process and confirm once the coverage is placed. As the servicing agent, we provide support for any future needs such as policy values, address changes, or term conversion information.

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