1802 Insurance
1802 Insurance is a division of Cornerstone Advisors that provides life insurance, disability, and group insurance solutions to ultra-affluent individuals and business owners through financial advisors, attorneys, accountants, and fiduciaries, leveraging exclusive M Financial Group proprietary products and pricing.
- Company typePrivate
- Founded-
- HeadquartersAllentown, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What 1802 Insurance does
1802 Insurance is a privately held division of Cornerstone Advisors, a full-service estate and business planning firm headquartered in Allentown, Pennsylvania. The company provides life insurance, disability insurance, group insurance, and tailored insurance solutions, operating under the trademarked positioning of "Advisor to the Advisors." Its go-to-market is a B2B2C model: 1802 Insurance serves external financial advisors, attorneys, accountants, and fiduciaries who in turn serve ultra-affluent clients, positioning itself as a specialized insurance resource rather than a replacement for the client's primary advisor. End clients are ultra-affluent individuals and business owners needing estate conservation, business continuation, executive benefits, key person coverage, and non-qualified plan funding.
The company's core technology and product suite is built on membership in M Financial Group, a network of 130+ member firms serving clients across the US, Canada, the UK, Dubai, and Bermuda. Through this membership, 1802 Insurance offers exclusive access to 25+ proprietary insurance products from partner carriers (John Hancock, Nationwide, Pacific Life, Prudential, TIAA CREF, UNUM, plus associate and specialty partners) that are priced using M Financial's superior mortality experience (10% below the high-net-worth industry segment) and 7x higher average face amounts. Notable proprietary components include the P.E.E.R. Review process (a seven-step evaluation of existing policies), an in-force management system backed by M Financial Re's reinsurance structure with $50M+ annual investment, and proprietary software models for projecting non-qualified plan cash flow liabilities. Trademarks include "1802 Insurance," "Advisor to the Advisors," "M-Powered," and "P.E.E.R. Review."
Revenue is generated through two primary streams: transaction-based commissions on proprietary life insurance and related product sales, and recurring annual service fees for ongoing policy monitoring, carrier financial stability reports, underwriting change analysis, premium coordination, and tax filing support. A secondary stream comes from securities and investment advisory services offered through affiliated entities M Holdings Securities, Inc. and Deep Draft Consulting, LLC. The firm employs 1-10 people, led by Rachel C. Lower (President & CEO), Mark L. Pulaski (Principal), and Donna M. Wanamaker (Executive Vice President, Insurance Services & Plan Design), with all three holding advanced industry designations (CLU, ChFC, CASL, CFP, CPA). Securities activities are conducted under FINRA/SIPC membership through M Holdings Securities.
1802 Insurance firmographics
Firmographics- Name
- 1802 Insurance
- Legal name
- Cornerstone Financial Consultants, Ltd. dba 1802 Insurance and Cornerstone Advisors
- Website
- https://1802insurance.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- 1802 Insurance is a division of Cornerstone Advisors that provides life insurance, disability, and group insurance solutions to ultra-affluent individuals and business owners through financial advisors, attorneys, accountants, and fiduciaries, leveraging exclusive M Financial Group proprietary products and pricing.
- Ownership category
- akta.pro rank
1802 Insurance industry classification
Industry- Product category
- Insurance Advisory Services
- NAICS
- Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411), Life Insurance (6311)
- akta.pro primary industry
- Simplified Issue Whole Life / UL Insurance (FSAIABAH)
- akta.pro secondary industries
- Level Term Life Insurance (FSAIAAAA), Basic Group Term Life (Employer-Paid) (FSAIADAA), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)
Keywords
Where 1802 Insurance is headquartered
LocationHeadquarters
- HQ city
- Allentown
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
1802 Insurance business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Insurance Product Sales: Revenue is generated through commissions on life insurance and related insurance products sold to ultra-affluent clients. As a member firm of M Financial Group, 1802 Insurance has access to proprietary products from partner carriers including John Hancock, Nationwide, Pacific Life, Prudential, TIAA CREF, and UNUM.
- Annual Service Fees: For a nominal annual fee, 1802 Insurance provides performance monitoring reports, carrier financial stability reports, underwriting change analysis, premium payment instructions, coordination with tax filings, and split dollar administration for existing policies.
- Securities and Investment Advisory: Securities offered through M Holdings Securities, Inc., a Registered Broker/Dealer, Member FINRA/SIPC. Investment advisory services offered through M Holdings Securities, Inc. and Deep Draft Consulting, LLC, both Registered Investment Advisors.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Life Insurance Annual Service - Performance Monitoring and Advisory |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
1802 Insurance product offering
Product offeringCore offering
1802 Insurance provides life insurance advisory and planning services to ultra-affluent individuals and businesses through financial advisors, attorneys, accountants, and fiduciaries. As a division of Cornerstone Advisors and a member firm of M Financial Group, the company delivers proprietary life, disability, and group insurance products from partner carriers along with the P.E.E.R. Review process for evaluating existing policies and ongoing in-force management services.
Product overview
1802 Insurance is a division of Cornerstone Advisors offering a platform of life insurance planning services and proprietary products designed exclusively for ultra-affluent clients. The core offering is the M-Powered platform which provides access to M Financial Group's network of 130+ member firms and proprietary insurance products from partner carriers. Supporting services include the 1802 P.E.E.R.™ Review process for policy evaluation, Life Insurance Annual Service for ongoing monitoring, underwriting services, disability insurance, group insurance, and specialized solutions for individuals and businesses. The company operates as 'Advisor to the Advisors™' serving attorneys, financial advisors, accountants, and fiduciaries.
Differentiator
Problem solved
Functional benefit
Products and services
- Life Insurance Solutions Life insurance advisory and placement services leveraging M Financial Group's proprietary products, pricing, and premium services designed exclusively for ultra-affluent individual and business clients, accessed through financial advisors, attorneys, accountants, and fiduciaries.
- 1802 P.E.E.R. Review Comprehensive seven-step review process that examines existing insurance policies against client goals and objectives, evaluates policy performance and compares policies to inception estimates and current market offerings, measures implied rate of return, analyzes carrier financial strength, and identifies policy pitfalls including structural or administrative issues.
- Life Insurance Annual Service Ongoing policy monitoring and servicing for existing life insurance policies, including performance monitoring reports, carrier financial stability reports, underwriting changes analysis, premium payment instructions, coordination with tax filings, and split dollar administration. Provided for a nominal annual fee.
- Resources for Trustees of Life Insurance Trusts Advisory services helping trustees of life insurance trusts evaluate and manage Trust Owned Life Insurance policies in compliance with the Uniform Prudent Investor Act, including financial strength analysis, competitive policy analysis, performance monitoring, and carrier financial stability assessment.
- Insurance Solutions for Individuals Individual-focused insurance solutions for ultra-affluent clients including federal estate tax funding, generational planning, gift leverage, estate equalization, concentrated stock portfolio stability, special needs planning, and charitable giving arrangements.
- Insurance Solutions for Businesses Business-focused insurance solutions including business continuation buy-sell funding, key person life insurance, and non-qualified plan liability funding. Includes proprietary software models projecting future cash flow liabilities for non-qualified plans to help clients plan for unexpected cash flow needs.
- Underwriting: The Importance of Price Multi-carrier underwriting submission and analysis service that packages client cases advantageously and negotiates with partner carriers to achieve competitive insurance offers leveraging proprietary product advantages.
- Disability Insurance Executive disability insurance solutions including long-term disability coverage with higher coverage limits up to $50,000 per month, enhanced guaranteed standard issue programs, and benefits designed to address reverse discrimination concerns for highly compensated employees.
- Group Insurance for Business Clients Group life insurance review services evaluating benefit competitiveness, cost efficiency, and recommending additional benefits for business clients. Reviews are performed to ensure competitive rates and appropriate benefit alignment with the marketplace.
- M-Powered Proprietary Products and In-Force Management Platform of more than 25 proprietary insurance products from 6 partner carriers (John Hancock, Nationwide, Pacific Life, Prudential, TIAA CREF, UNUM), with exclusive access only available to clients served by M Member Firms. Includes active in-force management through M Financial Re that ensures existing policyholders receive pricing enhancements when better-than-expected mortality, persistency, premium volume, or expense experience emerges.
Quantifiable outcome
- M Financial Group underwrites 43% of all insurance policies for ultra-affluent individuals with $186 billion face amount in force
- +4 more outcomes
Companies that use 1802 Insurance
Customer profileNamed customers3 records
Segments6 records
Ideal customer profiles3 records
1802 Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
1802 Insurance partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered flagship, core and secondary.
- M Financial GroupflagshipM Financial Group is the premier financial services design and distribution company (founded 1978) of which 1802 Insurance is a Member Firm. With 130+ Member Firms, M Financial provides proprietary products, pricing, and premium services designed exclusively for the ultra-affluent market. The relationship provides access to 25+ proprietary products, 270+ professionals including 17 actuaries, and exclusive in-force management benefits. M Financial underwrites 43% of all insurance policies for ultra-affluent individuals.
- John HancockcoreJohn Hancock is listed as a Partner Carrier in M Financial Group's proprietary product network, providing life insurance products designed and priced for the ultra-affluent market.
- NationwidecoreNationwide is listed as a Partner Carrier in M Financial Group's proprietary product network, providing life insurance products designed and priced for the ultra-affluent market.
- Pacific LifecorePacific Life is listed as a Partner Carrier in M Financial Group's proprietary product network, providing life insurance products designed and priced for the ultra-affluent market.
- PrudentialcorePrudential is listed as a Partner Carrier in M Financial Group's proprietary product network, providing life insurance products designed and priced for the ultra-affluent market.
- TIAA CREFcoreTIAA CREF is listed as a Partner Carrier in M Financial Group's proprietary product network, providing life insurance products designed and priced for the ultra-affluent market.
- UNUMcoreUNUM is listed as a Partner Carrier in M Financial Group's proprietary product network, providing life insurance products designed and priced for the ultra-affluent market.
- LincolnsecondaryLincoln is listed as an Associate Partner in M Financial Group's network, providing additional life insurance product options.
- VoyasecondaryVoya is listed as an Associate Partner in M Financial Group's network, providing additional life insurance product options.
- M Financial ReflagshipM Financial Re is a life reinsurance company wholly owned by M Financial Group stockholders. It reinsures a large percentage of business written by Member Firms, providing Members with an equity stake in their business. M Financial Re aligns interests of producers and carriers, facilitates strong relationships between Partner Carriers and M Financial, and invests in excess of $50 million annually in the business placed by Member Firms.
- Cornerstone Advisorsflagship1802 Insurance is a division of Cornerstone Advisors, a full-service estate and business planning firm with more than 40 years of experience. Cornerstone Financial Consultants, Ltd. dba 1802 Insurance and Cornerstone Advisors are affiliated entities.
Scale indicators9 records
Recent moves6 records
Expansion highlights6 records
1802 Insurance competitors and assessment
Company assessmentBroad incumbents
- MassMutual: A major mutual insurance and financial services company providing life insurance, disability income, retirement, and wealth management products through financial professionals. Comparable as a broad incumbent serving the same life insurance and estate planning needs of HNW and corporate clients, with a national advisor network.
- New York Life: A major mutual insurance carrier with a career agency system and broad array of life insurance, long-term care, and wealth management products. Comparable as a broad incumbent providing life insurance and retirement planning solutions, though operating with a different captive-agent distribution model.
- Ash Brokerage: A large insurance brokerage (now part of Advisor Group) that provides life insurance, disability, and long-term care solutions to financial advisors nationwide. Comparable in providing multi-carrier access and underwriting expertise to advisors serving HNW and ultra-affluent clients, though at significantly larger scale.
- Northwestern Mutual: A large financial services and insurance carrier with career agents and financial advisors serving millions of clients. Comparable as a broad incumbent offering life insurance, disability income, and wealth management products to a wide range of clients including affluent and business-owner segments.
- M Financial Group: The premier financial services design and distribution network that 1802 Insurance belongs to as a member firm. M Financial Group is the parent organization providing proprietary products, pricing, and the 130+ member firm infrastructure that 1802 Insurance's value proposition depends on, making it the most directly comparable entity in the network.
Direct peers
- Lenox Advisors: A wealth advisory firm that integrates insurance and financial planning for HNW and corporate clients, with a strong emphasis on estate, business, and executive benefit planning. Comparable in its integrated insurance-and-wealth approach targeting ultra-affluent households and closely held businesses.
- The Lifeline Program: A life insurance brokerage focused on HNW and UHNW estate planning cases, connecting financial advisors with institutional-grade life insurance solutions. Highly comparable in its niche focus on high-face-amount policies for estate and business planning, with a similar specialty-brokerage positioning.
- Park Avenue Securities: A wholly owned subsidiary of Guardian Life Insurance Company that provides wealth advisory and insurance solutions to financial advisors serving HNW clients. Comparable in offering integrated life insurance and investment advisory services through a B2B advisor-support model.
- Barnum Financial Group: A financial services firm providing insurance, wealth management, and retirement planning solutions to individuals and businesses. Comparable in offering a multi-product mix (life insurance, disability, group benefits) combined with financial planning for HNW clients and corporate clients.
- Highland Capital Brokerage: A wholesale life insurance brokerage firm that serves independent financial advisors with access to multiple carriers' life insurance products. Operates a similar B2B 'advisor-support' model by packaging institutional-grade underwriting expertise for advisor partners, analogous to 1802 Insurance's 'Advisor to the Advisors' positioning.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
1802 Insurance social profiles
Digital presence1802 Insurance compliance and trust
Trust signalCompliance9 records
1802 Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
1802 Insurance leadership team
Management profileNumber of profiles
Profiles3 records
1802 Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
1802 Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about 1802 Insurance
What does 1802 Insurance do?
1802 Insurance provides life insurance advisory and planning services to ultra-affluent individuals and businesses through financial advisors, attorneys, accountants, and fiduciaries. As a division of Cornerstone Advisors and a member firm of M Financial Group, the company delivers proprietary life, disability, and group insurance products from partner carriers along with the P.E.E.R. Review process for evaluating existing policies and ongoing in-force management services.
Is 1802 Insurance a public or private company?
1802 Insurance is a private company. It is classified as unknown and is currently operating.
When was 1802 Insurance founded?
1802 Insurance was founded in -1. It employs 1 to 10 people.
Where is 1802 Insurance based?
1802 Insurance is headquartered in Allentown, United States, in the North America region.
How does 1802 Insurance make money?
Three revenue lines are on record. Insurance Product Sales are the primary driver. The others are annual Service Fees and securities and Investment Advisory.
Who are 1802 Insurance's main competitors?
Broad incumbents on record are MassMutual, New York Life, Ash Brokerage, Northwestern Mutual and M Financial Group. Direct peers are Lenox Advisors, The Lifeline Program, Park Avenue Securities, Barnum Financial Group and Highland Capital Brokerage.
Does 1802 Insurance have an API?
No public API is recorded for 1802 Insurance.
What industry is 1802 Insurance in?
1802 Insurance's product category is Insurance Advisory Services. Its primary akta.pro industry code is FSAIABAH, Simplified Issue Whole Life / UL Insurance, with a secondary code of FSAIAAAA, Level Term Life Insurance. Its NAICS code is 52421 and its SIC code is 6411.