Life Insurance

There are lots of reasons why so many Americans don’t have the life insurance coverage they need to protect their families, but procrastination may top the list.  “It’s on my to-do list” and “I plan to get to that soon” are common excuses people give to put off making what could be the most important financial decision they’ll ever make or, regrettably, not make. 

Murray Financial’s Life Insurance Group specializes in structuring life insurance solutions for individuals and their families.  Our clients come to us for three basic purposes: to preserve the wealth they have created; to transfer assets to future generations; and, to accumulate assets in a tax-efficient manner.   Nearly all of Murray Financial Solution’s private clients are referred from existing clients or professional advisors such as trust and estate attorneys, accountants, family offices, and private wealth managers.

The insurance industry, like any other competitive market, is constantly introducing new products and pricing strategies.  Each insurance company has a different way of assessing risk.  A certain medical condition may be a concern to one company, but not another.  As an independent insurance broker, Murray Financial Solutions looks to the entire insurance marketplace for solutions that best meet our customer's financial goals.  Our independence enables us to create a “risk classification auction” among the most competitive and highly rated companies for each client's unique situation.  By creating a competitive market where the insurance companies bid for our clients’ business, we help ensure that each client receives a solution that meets their needs.

Murray Financial Solutions also provides superior administration services for our clients’ insurance portfolios through a systematic review of their coverage.   Murray Financial has invested in an infrastructure that provides active client service.  The Client Service team acts as an intermediary between our clients and the insurance companies.  When a client has a detailed technical question about their policy, or has a simple administrative request such as an address change, they can call our client service team for help and avoid the inefficiency of dealing directly with insurance companies.

Our clients recognize that Murray Financial Solutions will be here to service them throughout the life of their program.  This is important since life insurance is most often an individual’s longest held financial asset.  Murray Financial Solutions      is structured as a professional services firm, not a traditional insurance brokerage.  We have a long-term vision of the future – one that extends beyond the lives of our founders, and strives for innovation beneath the surface.