Life
Life and key-person coverage, quoted on the right paper.
Personal life, key-person, and buy-sell funding for owners and families. Many cases can be quoted online. Larger or unusual placements still go through Allen so underwriting sees a real need.
Personal life
Income replacement and estate liquidity for the household — sized to the actual need, not a sales illustration.
Key person
Coverage on the people the business cannot afford to lose. The policy sits on the company balance sheet.
Buy-sell funding
Life insurance that funds a buy-sell so partners are not writing a check from operating cash when someone dies.