Client interests first
Begin with the client’s objectives, existing commitments and tolerance for risk. Evaluate the tradeoffs before moving toward a transaction.
Our Firm
A broader view.
A disciplined approach.
Insurance capacity deserves a deliberate place in the planning process. 1911 brings strategy, underwriting and execution together.
The 1911 perspective
See the asset.
Understand the possibilities.
A policy is part of a larger financial picture: the capital committed, the protection provided and the flexibility needed over time.
1911 Legacy Partners works with professional advisors and clients to evaluate life insurance in the context of complex balance sheets, liquidity needs and long-term wealth transfer.
The firm’s approach considers existing contracts, current insurability and potential primary and secondary market opportunities. The objective is a coordinated strategy that can be understood, documented and maintained as circumstances change.
Explore our servicesVision and values
Clear priorities.
Consistent execution.
Coordinated expertise
Work alongside attorneys, CPAs, RIAs and insurance professionals so that planning intent and implementation remain connected.
Long-term stewardship
Emphasize clear documentation, funding discipline and periodic reviews as families, businesses and policies evolve.
The Supreme Court’s 1911 ruling
Life insurance
as property.
Grigsby v. Russell
222 U.S. 149 · Decided December 4, 1911
The U.S. Supreme Court upheld an insured’s sale of a valid, existing policy to a buyer who had no insurable interest in his life. Justice Oliver Wendell Holmes explained that restricting such sales could diminish a policy’s value to its owner.
The decision supports a central planning perspective: life insurance can be an asset with ownership and transfer rights, deserving review alongside the rest of a client’s balance sheet.
That principle does not make every policy transferable or every transaction suitable. Policy provisions, applicable law, insurable-interest rules and the circumstances of the transaction still matter.
Source: U.S. Reports, Grigsby v. Russell, 222 U.S. 149 (1911), Library of Congress.
Primary and secondary marketsOur approach
From strategy to stewardship.
Learn how the firm organizes a case, coordinates with advisors and keeps the client’s objectives at the center.
Discuss your objectives