Life & LTC Insurance Referral Program
The Policy Is Solid. The Beneficiary Designation Probably Is Not.
A life insurance policy names a beneficiary. So does the estate plan. When those two documents disagree, the policy wins — regardless of what the will says. We coordinate the legal structure behind every policy you write so the benefit reaches the right person through the right vehicle.
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The Gap Between the Policy and the Plan
When the Policy and the Estate Plan Don't Agree, the Policy Wins
Every life insurance policy names a beneficiary. Most estate plans also describe how assets should pass at death. When those two documents were created at different times by different professionals, they frequently disagree — and your client does not know it until someone dies and the benefit goes to the wrong person.
A policy that names the client’s estate as beneficiary instead of a trust sends the death benefit through probate. A policy that names a minor child pays out into a court-managed custodianship instead of the trust the client intended. A long-term care policy that triggers a Medicaid spend-down for a client with no advance directive and no durable power of attorney leaves the family making urgent legal decisions without the documents to back them up.
You cannot fix those things yourself — that is document drafting, outside your license. But you are in the right position to see the gap at policy review or application. That is what this program is built around.
Gaps That Surface at Policy Review
- A life insurance policy that names "estate" as beneficiary sends the death benefit through probate — delays, court costs, and public record
- A policy that names a minor child as beneficiary pays into a court-managed custodianship, not the trust your client intended
- An irrevocable life insurance trust (ILIT) requires specific ownership and beneficiary language — most policies are not written to coordinate with one
- A long-term care policy that triggers Medicaid planning requires current powers of attorney and advance directives — documents most clients do not have ready
- A survivorship life policy owned by a trust that was never funded leaves the structure in place and the asset outside it
How It Works
From Policy Review to Coordinated Plan
You spot the gap
During application or annual review, you see the mismatch: the beneficiary designation is wrong, the trust was never funded, the LTC client has no advance directive. You send your client one message with Melissa's contact. That is the referral.
We coordinate the structure
Your client hears from Melissa's office the same business day. She reviews the existing documents against the policy requirements and drafts what needs to change — trust structure, beneficiary language coordination, powers of attorney for LTC clients.
The policy works the way it was designed to
When the legal structure matches the policy, we let you know. If the engagement surfaces coverage questions, we send the client back to you. We stay in our lane. You stay in yours.
How the Partnership Works
The Policy You Write Deserves a Legal Structure That Matches.
Life and LTC insurance agents have told us the same thing: they notice the estate planning gap during application or review, mention it to the client, and the client says they will handle it. Six months later, nothing has changed. The policy pays out to the wrong place because the estate plan was never updated to coordinate with it.
This program gives you a reliable handoff. When you see the gap — a policy that names the estate as beneficiary, a trust that was supposed to receive the death benefit but was never funded, an LTC policy with no advance directive behind it — you send one message with Melissa’s contact. We respond within 24 hours and coordinate the legal structure with what the policy requires.
We do not sell insurance. We do not give coverage advice. We do not compete with your practice. When clients come to us who need a life or LTC policy review, we refer them back to agents we trust.
Most life and LTC insurance agent referral relationships with an estate attorney stop after one warm introduction. A policy gets issued, the estate plan gets drafted, and then both sides wait for the next coincidence to bring another client together. This one is built so that does not happen.
Beyond The Referral
Every other estate attorney asking for referrals offers the same floor: fast response, no poaching, no fees. That is the minimum. It is not a reason to pick one firm over another.
Here is what actually comes with being an active partner, whether you send one client this year or twenty:
A Free Personal Estate Plan
Once you complete partner orientation, we draft your will at no cost. Not a discount. Free, one time, no strings.
A Spot in a Small Group of Vetted Professionals
We connect active partners with other professionals who serve the same clients you do, so referrals move in more than one direction.
A Feature in a Real Client Story
When a shared client agrees to it, we build a short video covering their situation and how the plan came together, and you are part of that story.
An Annual Look at Your Own Practice
Once a year, we review your book from an estate-planning risk angle and flag anything your own clients are exposed to.
Training Built Around What Comes Up in Your Client Meetings
Tell us the questions you are fielding, and we build a session around it you can send to your own client list.
We Send Clients Back to You
Every client we work with gets asked whether their life insurance beneficiary designations still match their estate plan. If there is a mismatch, we flag it and send them your way for a policy review, whether or not they currently work with you.
When we set up an irrevocable life insurance trust, name a trust as a policy beneficiary, or catch a policy owned in the wrong name, there is immediate work on the insurance side. You hear about it because you are already the partner on that client’s file.
The People Behind the Work
We are a husband-and-wife firm. Your client works with Melissa directly, never a paralegal.
Melissa Breyer
Estate Planning Lawyer
Handles your client’s plan start to finish.
Shawn Breyer
Operations & Marketing
Handles onboarding, operations, and marketing.
Our promise
When you send us a client, you are putting your name on us. We treat every client like your reputation depends on it, because it does. You will hear from us within one business day, and again when the work is done. You will never wonder what happened.
Melissa Breyer
Georgia Estate Planning Attorney
Melissa Breyer works with clients whose insurance coverage and estate plan were never coordinated. She reviews beneficiary designations against the trust structure, drafts irrevocable life insurance trusts where the policy requires it, and ensures that long-term care clients have the advance directives and powers of attorney their policy will eventually require. When you refer a client to her, she handles the legal structure and communicates back when it is in place. You do not have to wait for a referral to give a client something useful. Ask us for the beneficiary designation checklist built for annual policy review conversations, and use it with anyone you are reviewing this year.