Future System Advisors, LLC is revolutionizing the wealth management and insurance industries with a new patented actuarial model for life insurance and a corresponding copyrighted planning process.

The Life Insurance Product Model

Future System Advisors, LLC (FSA), in conjunction with Reinsurance Group of America, is marketing to insurance companies a “breakthrough” new form of life insurance defined by the patented FutureSystem™ Life Model (FSLM).

Advisors can have confidence that insurance company products sponsored and approved for development by FSA fit the specifications and adhere to the actuarial theories and disclosures of the FutureSystem™ Life Model which protects the advisor and the client. This new model is changing clients’ perceptions of life insurance from a begrudging purchase to a valued component of wealth management planning. Life insurance policies based on this model provide solutions and options not available in other forms of life insurance. FutureSystem™ Life Model policies are only available for sale through FSA authorized insurance companies. This website contains the information and presentations the advisor and client needs to understand the FutureSystem™ Life Model. Specific insurance company websites contain details and pricing of their FSLM products.

Current FutureSystem™ Life Model Policies
Insurance companies who have produced a policy based on the FutureSystem™ Life  Model design:

 Symetra Financial 

(more Carriers to come)

The Corresponding Planning Process

The FutureSystem™ Planning Process is a system of educational videos for both the advisor and the client, planning software, training modules and other advisor resources. The system is available to advisors on a monthly subscription basis. 

It is a high-level wealth management overlay platform that bridges financial, insurance, estate and "life" planning. Its methodology has unique perspectives and rule sets. The FutureSystem™ wealth management framework coordinates the different areas of planning yet goes beyond traditional strategies. This “lifestyle allocation” tool is designed to:  

• Coordinate a client’s lifestyle to their financial assets.
• Portray the client’s financial situation in a unique, interactive, comprehensive and simple manner.
• Provide a simple platform from which clients can easily make decisions.
• Close gaps caused by piecemeal or single issue planning.
• Reclassify how and when assets are used, their purpose to your life and function in your lifestyle.
• Re-position which assets are invested for personal use, income, growth, protection and legacy.  

The Combination

The FutureSystem™ methodology benefits all levels of financial advisors and can easily be incorporated into the existing business practices of comprehensive financial planners and advisors focused on investment or life insurance planning. The FutureSystem™ Planning Process and Life Model did not originate from within the insurance industry and is free from insurance company influence.

• Positions the financial advisor as the coordinator for all the client’s planning, portfolio management
  and advisor relationships.
• Provides a plan and product to "self insure" for estate liquidity instead of buying life insurance
  death benefit.
• Changes how the amount of life insurance needed is determined, and how life insurance is used.
• Drastically reduces or eliminates "at risk" life insurance.
• Custom designs a life policy specific to an individuals’ needs.

When a true paradigm shift does occur, the rules change…everyone starts over at zero. The previous competitive advantages gained by relationships, experience, market share, or product enhancements all diminish. At this point tremendous advantages exist for those who combine the new methods with their existing talents to create new opportunities and market share.

The best way for the advisor to learn and teach clients about the FutureSystem™ Planning Strategies and Life Model Product is to see and use the presentations in the Advisor Portal.
CLICK HERE for "Free 14 Day Access" to all Advisor and Client Presentation Videos