Business Details
50+ Years
experience
Your Trusted Life Insurance Partner in Los Angeles
At Management Brokers, we have dedicated ourselves to providing unparalleled life insurance solutions tailored to each client's unique needs. With over four decades of experience in the industry, our team specializes in negotiating competitive rates, particularly for clients facing health challenges, ensuring they receive the greatest possible value. We prioritize enduring relationships and personalized service, guiding clients through life's changes to align their insurance plans with evolving financial goals.Our expertise extends to policy reviews, legacy planning, and optimizing whole life insurance policies affected by fluctuating interest rates. We are committed to empowering clients with clear options through free, no-obligation consultations, enabling informed decisions that protect loved ones and preserve wealth. Our legacy of trust and service excellence remains central to our mission.
Services
Life Insurance
Policy Review
Legacy Planning
Whole Life Insurance Review
Unneeded Life Insurance Evaluation
Details
- Year established: 1974
Highlights and features
- We negotiate the best life insurance rates for clients with health issues.
- Over 40 years of experience in personalized life insurance solutions.
- Specialize in legacy planning with tax-deductible charitable contributions.
- Comprehensive policy reviews to ensure optimal coverage and pricing.
- Expertise in optimizing whole life insurance policies affected by low interest rates.
Services
Life Insurance
We provide customized life insurance solutions, focusing on negotiating competitive rates for clients with health issues. Our approach ensures policies align with individual financial goals, whether securing a safety net for loved ones or preserving wealth. With decades of experience, we guide clients to policies offering maximum value and protection.
Policy Review
Regular policy reviews ensure coverage remains optimal as life circumstances change. We analyze existing policies to identify cost savings, improved guarantees, or adjustments needed to reflect updated financial objectives. Our reviews help clients maintain cost-effective coverage aligned with their evolving needs.
Legacy Planning
Our legacy planning services enable clients to leave charitable contributions through life insurance, potentially offering tax deductions. We design strategies that allow clients to support causes they care about while creating a lasting impact for future generations through structured, affordable policies.
Whole Life Insurance Review
We specialize in reviewing whole life insurance policies affected by low interest rates, which may risk lapsing in later years. Our analysis identifies solutions to maintain policy integrity, ensuring they continue supporting estate planning goals while preserving accumulated value.
Unneeded Life Insurance Evaluation
For clients over 70 with unneeded policies, we assess liquidation options to convert policies into lump sums exceeding cash value. This service provides financial flexibility while eliminating premium obligations, tailored to individual retirement or estate planning needs.
People
Richard Horowitz
President & Chairman
Richard Horowitz has led Management Brokers since 1974, specializing in life insurance solutions for complex cases. With an MBA from Pepperdine University, he combines decades of industry expertise with leadership roles in organizations like Aish HaTorah, focusing on client advocacy and innovative wealth planning.
Questions
What life insurance services do you offer?
We specialize in life insurance policy placement, competitive rate negotiation, policy reviews, legacy planning, and evaluations for unneeded policies.
How do you help clients with health issues secure better rates?
We negotiate with insurers to secure up to 40% savings for clients with health challenges, leveraging relationships with carriers offering favorable terms.
Do you provide policy reviews for existing insurance?
Yes, we recommend biennial reviews to ensure policies reflect current needs, identifying cost savings or adjustments to improve coverage effectiveness.
Can life insurance be used for charitable legacy planning?
Yes, we structure policies allowing tax-deductible charitable contributions, enabling clients to leave significant legacies affordably.
What if my whole life insurance policy is at risk?
We analyze policies impacted by low interest rates and implement strategies to prevent lapses, preserving estate planning benefits.
