October 2019

For most advisors, insurance planning is a small part of the work they do for their clients. For Long Road, insurance planning is our focus.

The life insurance industry is always changing, and sometimes rather quickly. We created Long Road as a way to help advisors efficiently adapt to those changes by providing resources and services that may not be part of their core competency, but complimentary to their business. In light of this, we are pleased to introduce Life In the Fast Lane, to provide timely updates on the continuous changes taking place within the life industry and the resources available from Long Road to help advisors stay in the fast lane, ahead of those changes.


Craig Welch, CFP®, CLU

President & CEO

What’s New

Due to regulatory changes coming in 2020, many insurance companies have increased pricing for their current life insurance products*. If your clients are considering the purchase of life insurance, now is the time to act before rates increase.

*Rate increases apply to NEW policies ONLY. This does not impact current, in-force coverage.

Tools & Resources

Implement up to $5,000,000 of new coverage as fast as you can open an investment account*:

  • No exams, no medical records and no insurance company interviews
  • Best for clients:
    • Under age 65
    • Average or better health
    • Basic Individual protection needs
    • Usually best for term coverage

*Insurance companies reserve the right to request full medical underwriting. Contact us for more information.


There are several different types of Life Insurance products available today. This tool will help you understand the Pros and Cons of each.


The cost of life insurance can vary widely depending on the type of product used as well as the age and health of the client. This tool helps set pricing expectations.

Case Studies

Why $10,000,000 of Guaranteed Death Benefit may NOT be Guaranteed


Not every Ultra-High Net Worth estate has a need for life insurance, but there are reasons why clients choose to use it
Long Road Risk Management Services, LLC

130 Springside Drive
Suite 120
Akron, OH 44333
(330) 576-1221

Securities Offered Through Valmark Securities, Inc. Member FINRA, SIPC. 130 Springside Drive, Akron, Ohio 44333-2431* 1-800-765-5201. Long Road Risk Management Services, LLC is an affiliate of Valmark Securities, Inc.

Customer Relationship Summary (CRS)