You’ve been called to steward what they’ve built. We exist to protect it.
The outsourced insurance audit and advisory arm for the firms entrusted with a client’s life’s work — reviewing the coverage behind the plan and closing the gaps that could put it at risk.
Begin with a partner briefing
The blind spot
A firm can manage three thousand clients’ portfolios with precision — and still have no clear answer to a simple question: is their protection in order?
That blind spot isn’t a failing. It’s the one part of the plan most firms were never built to see. We were built to help with exactly that.
The partnership
An insurance department your firm doesn’t have to build.
Hiring, licensing, and maintaining in-house insurance expertise is a significant undertaking — and most firms decide, rightly, that it isn’t their core business. Steward & Protect can become that function for you.
We are designed to operate as a dedicated, independent arm behind your advisors: reviewing coverage, identifying gaps, and striving to deliver clear recommendations under your firm’s roof. Your clients see a more complete plan. Your team carries no new overhead.
We never compete for your clients. We make you more complete to them.
Two levels of engagement
From a foundational review to the most sophisticated protection strategies.
Tier I
The Audit
A comprehensive review of every people-based policy your clients hold. They complete a brief, secure intake; we analyze their existing coverage against their plan and life stage, then return clear, actionable findings:
- Where they’re protected
- Where they may be exposed
- Where they may be overpaying
Tier II
Advanced Strategies
For clients whose wealth calls for more, the strategies that safeguard substantial estates, designed and coordinated alongside your team:
- Overfunded life insurance
- Estate tax planning insurance
- Premium finance
- Captive insurance
- Property & casualty insurance
- Medicare
What we review
The protection tied to a client’s life, health, and earning power.
01
Life
Term and permanent coverage, structure, ownership, and beneficiary alignment.
02
Disability
Income protection adequacy against the client’s actual earnings and obligations.
03
Long-Term Care
Coverage for the cost most likely to erode a carefully built estate.
04
Health
Plan suitability and gaps that quietly expose a household’s finances.
How the audit works
A measured, four-step review — designed to fit inside your existing process.
Intake
Your client completes a short, secure intake covering the policies they currently hold. No disruption to your workflow.
Review
Our team examines every policy against the client’s goals, plan, and stage of life — line by line, carrier by carrier.
Findings
We deliver a clear report: coverage confirmed, gaps identified, and savings surfaced — in plain language your advisors can carry into the client conversation.
Recommendations
When action is warranted, we present the options and coordinate with your team. You stay in front of the client; we do the work to support you.
Who we serve
For the firms entrusted to protect all that your clients have built.
Banks
Trust & wealth relationships
Extend protection planning to your wealth and trust clients without building or staffing an insurance team.
RIAs
Fiduciary by design
Add a complete insurance review to your fiduciary offering — no commission pressure, no conflict, no product agenda.
Advisory Firms
A resource behind every advisor
Give each advisor a dedicated insurance specialist on call, without expanding headcount or licensing burden.
You stay the trusted advisor. Your clients remain your clients — always.
Why we exist
They were called to build it. You were called to guide it. We’re here to protect it.
Every gap we close and every recommendation we make serves one purpose: making certain the people who trusted you are genuinely covered. That is the whole of the work, and we hold it seriously.
Partner briefing
See what an audit reveals across your book.
Start with a partner briefing. We’ll walk through how the audit works, what it surfaces, and how Steward & Protect fits inside your firm.
- Independent — we never compete for your clients
- People-based coverage: life, disability, long-term care, health
- Built to fit inside your existing process