It's Always

About the Why

The profitability of the life insurance industry depends on capturing the value embedded in the terminated policies of its oldest insureds.  


With incentives that are diametrically opposed to the welfare of its policyholders, carriers utilize powerful lobbies to keep public awareness low, and threats of punitive action against agents to suppress industry utilization.

This behavior has spawned an opaque and predatory sales channel that is rife with conflicts of interest, highly inefficient, and usuriously expensive.

The net result has been an annual wealth transfer of $25 billion from policy owners to the insurance industry.  And the only remedy is fiduciary advocacy.

Your clients need your help. Work with us and join the fight.


It's the right thing to do.


  • 63% of the HNW cohort age 65+ own cash value life insurance

  • 67% of senior executives

  • 75% of business owners


  • Of $21 trillion owned, HNW have $1.5 trillion in-force coverage

  • $ trillions more in term insurance


  • 90% of all polices are lapsed or surrendered

  • ~4% every year


  • HNW > age 70 terminate ~$50 billion in face value every year


  • At market, older HNW cohort forfeits $10 billion, every year


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HNW Households and

the Fortune Left Behind

SF Office West


500 Terry Francois Street

San Francisco, CA 94158

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1908 Advisors, LLC

725 North Avenue, NE

Atlanta, GA 30306



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