Collaborative Insurance Solutions

What Collaborative Insurance Solutions does

Collaborative Insurance Solutions LLC is an independent insurance brokerage and advisory firm headquartered in Elkhorn, Nebraska, operating as a wholly owned subsidiary of Collaborative Planning Group Inc. The firm specializes in designing and integrating insurance strategies for high-net-worth and ultra-high-net-worth families, estate planning attorneys, CPAs, and wealth advisors, with a focus on complex scenarios such as multi-generational wealth transfer, business succession, and estate liquidity. Its four core product lines are Life Insurance, Disability Insurance, Long-Term Care, and Annuities, positioned not as standalone products but as coordinated components within broader legal, tax, and financial plans.

The firm is carrier-agnostic, accessing a national marketplace of insurance carriers to match product architecture to each client's planning strategy without bias. A 10-person team—including a founder with nearly two decades of experience, senior strategists with CLTC and RICP designations, a physicist, and a data analyst—executes a four-step proprietary process covering discovery, strategic opportunity mapping, insurance design, and implementation. There is no proprietary technology platform; the firm's value proposition rests on specialized expertise, white-glove execution, and integration with advisory teams.

Revenue is generated through insurance carrier commissions on policies placed and advisory fees for complex planning engagements, with custom quote-based pricing on multi-year engagements. The go-to-market motion is consultative and referral-driven, relying on partnerships with estate attorneys, CPAs, and wealth advisors rather than direct-to-consumer marketing. Distribution is domestic only, focused on Nebraska and surrounding regions. The firm was awarded the 2025 Top Long-Term Care Insurance Service Provider by Insurance Business Review and was featured on the publication's cover.

Name

Collaborative Insurance Solutions

Legal name

Collaborative Insurance Solutions LLC

Website

https://collaborativeinsures.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Collaborative Insurance Solutions is an independent insurance brokerage that designs and integrates life, disability, long-term care, and annuity solutions into estate and financial plans for high-net-worth families, estate attorneys, CPAs, and wealth advisors across the central United States.

Ownership category

akta.pro rank

Headquarters

HQ city

Elkhorn

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Insurance Advisory & Consulting: The company generates revenue through advisory fees and/or insurance commissions as a brokerage firm. They access a national marketplace of insurance carriers to match products to client needs. As an independent firm, they earn commissions from insurance carriers for policies placed, plus potential advisory fees for complex planning engagements.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Collaborative Insurance Solutions is an independent insurance brokerage that designs and coordinates specialized life, disability, long-term care, and annuity solutions as integrated components of estate, tax, and financial plans. The firm serves high-net-worth families, business owners, and the advisory professionals (attorneys, CPAs, wealth advisors) who guide them, accessing a national carrier marketplace to deliver carrier-agnostic, tailored strategies.

Product overview

Collaborative Insurance Solutions offers a portfolio of four specialized insurance products: Life Insurance, Disability Insurance, Long-Term Care, and Annuities. These solutions are designed as coordinated elements of financial and estate planning rather than standalone products. The Life Insurance product handles estate liquidity, buy-sell funding, and income protection; Disability Insurance replaces income during health interruptions; Long-Term Care provides flexible care coverage with asset-based and hybrid options; and Annuities deliver guaranteed income and tax-deferred growth. The firm positions itself as a specialty insurance strategist for complex planning scenarios, integrating these products with legal, tax, and financial frameworks for high-net-worth families, attorneys, and advisors.

Differentiator

Problem solved

Functional benefit

Products and services

• Life Insurance

Quantifiable outcome

• $10 million in tax-free liquidity provided for $30 million farmland estate to cover estate tax exposure without forcing asset sales
• +2 more outcomes

Named customers7 records

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Cetera Financial Group: Wealth management firm that integrates insurance solutions into advisor practices serving HNW clients, including life, annuity, and LTC placement. Operates at larger scale but pursues the same 'insurance-as-part-of-the-plan' advisor-embedded thesis.
• Park Avenue Securities (Guardian): Insurance and annuity arm of Guardian Life serving HNW clients through affiliated financial advisors. Comparable product mix (life, disability, LTC, annuities) inside an integrated advisor channel, but inside a much larger carrier-affiliated platform.
• NFP (an Aon company): Broad P&C, benefits, and life insurance brokerage with practices serving affluent individuals, families, and business owners. Overlaps with CIS in life, disability, and estate-placement insurance, but delivers those alongside a much wider product set.
• OneDigital: Large national insurance brokerage and benefits consultancy with a substantial HNW/concierge practice (incorporating ACSIA Partners for LTC). Comparable offering in life, disability, and LTC products distributed through advisor relationships, but at meaningfully larger scale.

Emerging players

• Long Term Care Associates (LTCA): Boutique LTC planning and placement firm serving individuals, families, and financial advisors nationwide. Directly comparable to CIS's LTC specialization and advisor-referral model but with a narrower product focus.
• Hauptman & Associates (HAIIP): Boutique insurance brokerage focused on advanced planning for HNW clients, including life, disability, and LTC integrated with estate and business planning. Mirrors CIS's niche advisory approach at similar small scale.

Regional players

• SCS Financial & Insurance Solutions: Independent life insurance and financial planning firm working with HNW families and their advisors on life, disability, and estate-planning needs. Overlaps in the advisory-led, HNW-estate insurance model.

Direct peers

• M Financial Group: Member-owned firm connecting independently owned advisory firms with life insurance, disability, and long-term care solutions for HNW/UHNW clients. Closely matches CIS's role as the embedded insurance specialist within an advisor's planning team.
• Ash Brokerage: Independent brokerage specializing in advanced life insurance and disability planning for high-net-worth clients and their financial advisors. Directly comparable in its advisor-channel, advisory-led HNW insurance model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/collaborative-planning-group-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Collaborative Insurance Solutions