Advanced Insurance Planning—Without Having to Become an Insurance Expert
Discover a collaborative joint-casework platform designed to help financial advisors identify, evaluate and implement appropriate advanced life insurance opportunities within their existing client relationships.
Merle Gilley
Senior Insurance Case Strategist & Advisor Partner
Triquest Joint-Casework DivisionYou May Have Significant Planning Opportunities Already Hiding Inside Your Book
Your clients already come to you with questions about retirement income, taxes, legacy planning, protection and wealth transfer.
Evaluating advanced life insurance strategies can require specialized product knowledge, case design and coordination across insurance and investment disciplines.
Most advisors either refer cases away (risking outside sales agents disrupting their client) or avoid the conversation altogether.
You shouldn’t have to become an insurance expert to make sure those opportunities are properly evaluated.
With Triquest and Merle Gilley, you retain full client trust while accessing top-tier institutional case design and carrier access behind the scenes.
5 Planning Areas We Help Advisors Evaluate
These five areas represent the highest-frequency, highest-impact insurance conversations already occurring inside affluent client relationships.
Living Benefits
Evaluate protection strategies that may provide access to benefits during qualifying life events.
Legacy & Death Benefit
Explore efficient ways to create and transfer wealth to beneficiaries.
Supplemental Retirement Income
Evaluate appropriately designed life insurance as one potential component of a broader retirement strategy.
Tax Diversification
Help clients evaluate different tax characteristics across their retirement assets and income sources.
Future Retirement Savings
Evaluate appropriate destinations for future discretionary savings after considering the client's overall financial plan.
Want the detailed case conversation blueprints for each area?
The Advisor Insurance Opportunity Guide gives you the discovery prompts, suitability boundaries, and intake worksheets.
And What About Existing Qualified Assets?
Some of the most complex opportunities involve clients with significant IRA, 401(k) and other qualified retirement assets.
These situations require careful coordination between insurance professionals and appropriately registered investment professionals.
Our joint-casework model is being designed to provide that coordinated approach—enabling advisors to evaluate high-complexity planning concepts like Qualified Plan (QP) optimization strategies without navigating compliance pitfalls alone.
- • Outside insurance agents pitch unsuitable rollovers
- • Unintended tax consequences from premature liquidations
- • Disconnected advice creating regulatory friction for the RIA
- • Collaborative modeling respecting client’s AUM & portfolio mix
- • Full alignment with the RIA’s investment management philosophy
- • Institutional product access tailored to sophisticated tax profiles
Meet Merle Gilley
With over three decades of specialized experience in high-net-worth life insurance case design, Merle Gilley has partnered with hundreds of independent financial advisors.
His philosophy centers on empowering the advisor. Rather than stepping into your client relationship, Merle acts as your technical architect—designing institutional solutions, stress-testing carrier illustrations, and facilitating client presentations when requested.
Advisor Toolkit5 Planning Conversations That Can Uncover Advanced Insurance Opportunities Inside Your Existing Book
Download the actionable framework and gain instant access to the 15-minute briefing by Merle Gilley.