ABOUT US:

CDP Insurance Services, LLC specializes in life insurance premium financing for the ultra-wealthy and mass affluent alike.

The typical high net worth client has amassed enough wealth that their estate will be subject-to estate tax, in some cases both federal & state.  In other cases, wealthy clients have gifting limitations involving trust planning.  Premium financing may provide a solution via smaller gifts of interest.  Estate equalization and charitable and inter-generational planning are other avenues affluent clients find premium financing useful.

Small business owners, executives, and young entrepreneurs are taking advantage of historically low interest rates by financing insurance premiums.  This allows them to secure valuable coverage now often taking care of the ‘what-ifs’ of the main breadwinner’s sudden or early departure.  Keeping cash flow for insurance coverage at a minimum by paying interest vs. premiums, allows these younger high-income earning clients to continue to grow their net worth.

CDP Insurance Services, LLC was started by Michael Moore CLU, ChFC.  Michael is beginning his 21^st year in the life insurance business.  Michael started his career with a small brokerage agency in Tustin, California doing data entry.  He ran the underwriting department for a large independent marketing organization responsible for processing thousands of life insurance applications annually.  Michael’s next position took him to a large producer group, where as vice president of sales and marketing, he was instrumental in reestablishing that group as a powerhouse in the life insurance industry.  His final stop prior to opening CDP was as the west coast sales vice president for the largest North American lender of life insurance premium.  In his seven and a half years with that bank, Michael was involved in the funding of more than $300,000,000 of life insurance premium.

OUR SERVICES:

CDP Insurance Services, LLC offers the following benefits in identifying the client, presenting the premium financing solution and annual maintenance of loan and insurance coverage:

1. Initial case consultation
2. Custom premium finance designs based on client specific needs
3. On-Line meetings can be done with:
   1. Clients CPA’s
   2. Clients Attorney’s
   3. Clients Themselves
4. Face-to-meetings with any of the above
5. Medical underwriting (if needed)
6. Financial underwriting
7. Choosing lender
   1. Shop marketplace
   2. Negotiate terms and rates
8. Policy issue and delivery
9. Loan execution
10. Annual review to include:
    1. Confirm with client plan still meeting objectives
    2. Projection vs. Actual
    3. Collateral discussion (if any)
    4. Interest discussion (if any)

Michael Moore CLU, ChFC

CDP Insurance Services, LLC

C: (949) 923-7260

E: michael@cdpinsurance.com

CA Lic. #0C90080