My partner and I recently did a comprehensive review of our estate plans including our buy sell agreements. Our attorney suggested we have Richard look at the insurance policies as they didn’t look like they would last as long as we needed them to without a major change in premiums. We didn’t expect much but boy were we surprised. Not only did we get the terms extended to what we need but we got a substantial reduction in our premiums. Richard is a true professional and has been a pleasure to work with and we would highly recommend him.