Partner Integration Suite | Novo Advisory Group

The Methodology

The "Design Desk" Protocol.

We do not simply "sell insurance." We operate a Design Desk—a technical back-office that integrates directly with your firm's estate planning and tax departments.

When you identify a tax exposure or a liquidity need, we act as the funding engineers. We provide the analytics, the carrier negotiations, and the policy architecture that allows your legal structures (ILITs, GRATs, FLPs) to function as intended.

"Operational seamlessness is not a luxury; it is a requirement for high-stakes planning."

Modeling & Analytics

Detailed stress-testing of IUL and Whole Life chassis against volatility, ensuring the funding matches the trust's longevity.

Underwriting Arbitration

We don't just submit applications. We prepare clinical executive summaries to negotiate preferred offers with chief underwriters.

Policy Stewardship

Annual performance audits delivered to the Trustee, ensuring the asset remains compliant and performs within corridors.

White-Glove Medical Underwriting

For UHNW clients, the intrusion of medical exams is a friction point. We utilize Executive Field Teams and proprietary private retention limits to secure coverage with minimal invasion. In many cases, we can secure up to $100M in capacity with confidential data exchange rather than traditional exams.

Inquire About Capacity

Execution Capabilities

Funded Structures

Buy-Sell Mechanics

Cross-Purchase or Entity-Redemption funding. We design the liquidity event that honors the valuation, ensuring the business survives the owner.

Valuation Synchronization
Discounted Dollar Funding

ILIT / Dynasty Trusts

Providing the "pennies for dollars" leverage to offset 40% estate taxes. We structure premiums to leverage annual exclusions and lifetime exemptions efficiently.

Crummey Letter Coordination
GST Tax Planning