How We Help Business Owners & Individuals

Life Insurance

Insure Your Assets to Ensure Your Legacy

Life Insurance does not make for great dinner conversation, yet often, it’s amongst the largest assets in our client’s financial portfolio that we have found rarely is reviewed. People take the time to address life insurance yet leave their policy alone without asking several critical questions.

Members of the DeNovo Advisory Group focus on actively auditing and monitoring those contracts while advocating for our clients and their beneficiaries. Our focus is on you, not a product. We will work with your current carrier to advocate for you, your needs, and your beneficiaries. After going through our Purpose, Product and Health (PPH) Exam to audit your existing policies and your specific needs, we survey the industry landscape to provide you with the most efficient offerings to help you reach your goals, many times remaining in your current policies.

It’s always good to have a life insurance policy, but it’s even better to have an advocate that is making sure the policy is working for you.

What We Do

Independent and

Carrier Agnostic

Our allegiance is to you, not an insurance company. Our job is to equip you with the right product from a competitive carrier, not a proprietary product.


Driven Advice

As your life changes, so should your insurance. By helping our clients & their fiduciaries identify the purpose/goal of their contracts, we’re able to assist with maximizing their long-term benefit.



In an industry filled with thousands of products, understanding how your contract works is critical. Our experienced team is able to identify & educate you on the key components within.

Underwriting &

Mortality Assessments

We've systematized our process to place cases in underwriting effectively and efficiently. We survey the industry landscape and negotiate on your behalf to ensure you are getting the best product for your situation.

Policy Audit

& Monitoring

Life insurance is an asset that is generally not evaluated, reviewed, or appraised on a consistent and comprehensive basis. With the insurance industry experiencing constant change, we advocate for our client’s beneficiaries by providing ongoing monitoring & audit services.

Funding and



Navigating through how to fund insurance strategies can be multifaceted. With banks, corporate dollars, trusts, and business partners, we help you to determine who, what amount, and with what frequency premiums are to be paid.

Areas We Serve

New and Existing Life Insurance
Disability Overhead/Income Insurance
Fixed, Indexed & Variable Annuities
Private Placement Life and Annuity
Bank Owned Life Insurance

After going through our process, our clients can be confident that there is no better strategy in the industry for their needs.

Securities offered through Equitable Advisors, LLC (NY, NY 212-314-4600), member FINRA/SIPC (Equitable Financial Advisors in MI & TN). Investment advisory products and services offered through Equitable Advisors, LLC, an SEC registered investment advisor. Annuity and insurance products offered through Equitable Network, LLC, which conducts business in CA as Equitable Network Insurance Agency of California, LLC, in UT as Equitable Network Insurance Agency of Utah, LLC, in PR as Equitable Network of Puerto Rico, Inc. Equitable Advisors and its affiliates do not provide tax or legal advice. Please consult your tax and legal advisors regarding your particular circumstances. Individuals may transact business, which includes offering products and services and/or responding to inquiries, only in state(s) in which they are properly registered and/or licensed. The information in this website is not investment or securities advice and does not constitute an offer. For more information about Equitable Advisors, LLC you may visit to review the firm’s Relationship Summary for Retail Investors and General Conflicts of Interest Disclosure.

DeNovo Advisors Group is not a registered investment advisor and is not owned or operated by Equitable Advisors or Equitable Network.

PPG: 148294 (Rev. 6/15/20) (Exp. 6/24)