Life insurance
Life insurance products, underwriting and case design for advisors
Access to more than 60 carriers, with an underwriting team that specializes in hard-to-place cases. Tell us about your client and we will find the carrier most likely to say yes at the best rate class.
Our carrier partners
60+ top-rated carriers
The market knowledge to know which one fits your client.
In short: the quickest way to lose a life sale is to misquote the client. SRS helps you field-underwrite the case up front, shop it to the carriers most likely to approve it, illustrate the best options and submit the application, from simple term to complex estate and business cases.
Who we help
Planning solutions for every client
Business Planning
Solutions that protect business owners and their employees.
- Key person
- Buy-sell
- Executive compensation strategies
- Succession planning
- Business valuation
Advanced Planning
Best-in-class advanced planning support from industry experts focused on great service.
- Premium financing
- Private financing
- Split dollar
- Estate planning
Personal Planning
Customized strategies for families and loved ones.
- Income replacement
- Debt protection
- Final expense
- Estate planning
- Life insurance retirement planning
- College funding
How we place more cases
Our 4-step placement process
Field underwriting
Start with the pre-underwriting fact finder, then use the condition questionnaires for any health issue.
Advanced planning support
Buy-sell, key person, executive benefits, estate and premium finance design help when the case calls for it.
Illustrate the best options
We run the illustrations, or you can run them yourself in WinFlex. Needs calculator.
Submit and track
Apply with an e-application and follow the case in My Business Portal.
Product portfolio
Life insurance solutions
Term life
Level, annual renewable and return of premium term, with conversion options that keep future choices open.
Guaranteed universal life
Lifetime or to-age guarantees at the lowest permanent premium, including return of premium designs.
Indexed universal life
Cash value growth tied to an index with downside protection, plus loan options for supplemental retirement income.
Whole life and survivorship
Guaranteed cash value and dividends, and second-to-die coverage for estate liquidity.
Final expense
Simplified and guaranteed issue plans for burial and final costs. Final expense tools.
Living benefits and hybrids
Chronic, critical and terminal illness riders, and life/LTC hybrids. Living benefits · Hybrid products.
Client with a health condition?
Impaired risk is our specialty. See real placements by condition in our impaired risk underwriting guide, or send a case for a free pre-screen.
Quote and illustration tools
Run it yourself or let us run it
Quote and illustrate
Advanced planning resources
Concept guides and forms
Business planning concepts
Learn more
Life insurance guides
Products and policy design
Living benefits
Needs, underwriting and sales
Policy reviews and existing clients
Business planning
Estate and advanced planning
Recent case results
Hard cases we have placed
Heart attack history
Declined by one carrier, placed at Standard with another after a second look.
Read the case →Prostate cancer
Great offers are possible after prostate cancer with the right carrier.
Read the case →Standard non-tobacco
How we turned three carrier declines into a Standard non-tobacco offer.
Read the case →Case results describe past placements and are not a guarantee of future offers.
Who you’ll work with
Tim Fuller
President, SRS Inc. · Littleton, Colorado
SRS has helped advisors place life, disability, long-term care and annuity cases for more than 50 years, with a focus on impaired risk underwriting and advanced planning. When you send a case, you work directly with our team, not a call center.
Get help
Two ways to start
Advisors get quotes, illustrations and underwriting help. Individuals and families can talk directly with Tim Fuller.
For advisors
Request a life quote
Share the client’s age, face amount, product and health history. Submit online or download the request and send it back. Most requests get a response within one business day.
Questions? Tim Fuller · 303-309-3471 · tjfuller@srsinc.com
For individuals and families
Talk to Tim
Need coverage for your family, your business or with a health condition? Tim will compare carriers and explain your options. No cost, no pressure.
Or call 303-309-3471
FAQ
Life insurance questions
What types of life insurance can SRS help with?
Term (including return of premium and convertible term), guaranteed universal life, indexed universal life, whole life, survivorship, final expense and hybrid life/LTC, from more than 60 carriers. We also help with living benefit riders, policy reviews and life settlements.
Can SRS help place a client with health issues?
Yes. Impaired risk underwriting is our specialty. We shop cases with informal inquiries, present the medical story to underwriters and use credit and upgrade programs to get the best offer. See our impaired risk guide for conditions we place every day.
Will SRS run illustrations for me?
Yes. Send a life quote request and we will run the illustrations and recommend the best carriers. You can also run term quotes and full illustrations yourself with the tools on this page.
Do you help with business and estate planning cases?
Yes. Our advanced planning support covers buy-sell funding, key person coverage, executive bonus and split dollar plans, nonqualified deferred compensation, estate liquidity, trusts and premium financing.
How quickly will I get a quote?
Most life quote requests get a response within one business day. Impaired risk cases that need informal inquiries to several carriers can take longer, and we will keep you updated.
Product availability and features vary by carrier and state. Reviewed by Tim Fuller, President of SRS Inc.