Dear Fiduciary Partner,

We understand the difficulties in selecting a strong and ethical partner to transact your clients' insurance needs. Many insurance agents have an agenda that begins with their own interests. Fiduciaries are rightfully weary of referring their clients to professionals with this set of values.

Yet, insurance is still an important piece of a planning process. Unexpected health events are public enemy number one when it comes to derailing an otherwise sound financial plan.

The best fiduciary financial advisors surround themselves with a team of experts including, but not limited to, estate planning attorneys, CPAs, and an "insurance division." That's where we come in.

We would relish the opportunity to add value to your practice if you are in the market for a personable and reliable insurance partner. Our mission is to work with you and your client in determining the most pressing insurance needs, identifying the proper solution, and managing the application and underwriting process from start to finish.


Our expertise is morbidity risk, often mitigated with some type of disability income or long-term care insurance. Term life insurance is usually the most appropriate solution against mortality risk during a client's working years. We only wade into permanent life insurance when a client is seeking a guaranteed return of premium with a hybrid long term care plan, or if there is a request for a deferred compensation plan.

We know your clients could benefit from a resource like DI+LTC, so we felt obligated to reach out. Please don't hesitate to call and explore whether or not our services would be a fit with your model.


We look forward to protecting your clients against the financial risk of death and disability going forward!

All the best,
Maxwell Schmitz, MSFS
DI+LTC Insurance Services, Inc.
California License 0G86760

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4302 Redwood Hwy, Suite 400
San Rafael, CA 94903
Bay Area Disability
Insurance Services, Inc.
CA License #0647178