DynastyOS for Insurance Professionals
Every Policy Conversation Is a Trust Opportunity
Life insurance without a trust equals taxable estate inclusion. Your clients need ILITs and irrevocable trusts alongside every policy. Now you can provide both — and earn $250–$500 per trust.
The Problem
Life Insurance Without a Trust Is a Taxable Mistake
When a life insurance death benefit is paid to an individual, it becomes part of the taxable estate. For clients with $1M+ in combined assets and insurance, this can trigger federal estate taxes of up to 40%. The solution is straightforward: an Irrevocable Life Insurance Trust (ILIT).
But most insurance professionals cannot offer trust services. The client goes to an attorney, pays $3,000–$10,000, and sometimes never follows through. The result: an unfunded trust, an unprotected payout, and a lost opportunity for everyone.
The Insurance Gap
- ✕ Death benefits included in taxable estate without ILIT
- ✕ Clients sent to outside attorneys for trust creation
- ✕ Traditional trust costs deter clients ($3K–$10K)
- ✕ Lost revenue on trust-adjacent conversations
- ✕ Competitors who offer trusts capture your clients
The Solution
Pair Every Policy With the Right Trust Structure
DynastyOS lets you offer ILITs, irrevocable trusts, and estate planning alongside every insurance conversation. The policy funds the trust. The trust protects the payout.
ILIT Creation
Irrevocable Life Insurance Trusts remove death benefits from the taxable estate. Offer ILIT creation directly through the platform — no attorney referral needed.
Cross-Sell Naturally
Every policy review and new policy sale is a natural trust opportunity. "Your policy protects your family. A trust protects the payout." The conversation writes itself.
Deepen Relationships
Clients who have both insurance and trust services through you are significantly less likely to leave. You become the complete protection provider, not just the insurance agent.
When to Introduce Trusts
Every Insurance Conversation Has a Trust Component
Annual Policy Reviews
Use annual reviews to assess whether existing policies are properly structured inside a trust. Most are not. A simple question — "Is this policy inside a trust?" — opens a $250–$500 engagement.
New Policy Sales + ILIT
Pair every new life insurance policy with an ILIT recommendation. The ILIT owns the policy, keeping the death benefit out of the taxable estate. Bundle pricing makes it easy for clients to say yes.
Estate Tax Planning
Clients with combined assets over the estate tax exemption ($13.61M in 2024, scheduled to drop to ~$7M in 2026) need immediate trust planning. Position yourself as the professional who caught it before it was too late.
Business Succession
Key person insurance, buy-sell agreement funding, and business succession planning all benefit from trust structures. Business owners are high-value clients who need both insurance and estate planning.
Revenue Projections
What Insurance Professionals Earn With DynastyOS
Trust commissions are in addition to your existing insurance commissions. Double-dip on every client engagement.
Conservative
5 Trusts/Month
Annual Trust Revenue
One trust per week from existing policy reviews.
Growth
10 Trusts/Month
Annual Trust Revenue
Pairing trusts with new policy sales and renewals.
Scale
20 Trusts/Month
Annual Trust Revenue
Full pipeline with agency-wide trust adoption.
Revenue projections are illustrative. Individual results vary based on client base, engagement level, and trust complexity.
How the Insurance + Trust Workflow Works
From Our Insurance Partners
"My insurance clients now ask ME about trusts instead of going elsewhere. Every life policy conversation naturally leads to estate planning. It's the perfect cross-sell — and my clients genuinely need it."
Rachel T.
Insurance Professional, Chicago IL
Every Policy Deserves a Trust
Stop leaving trust revenue on the table. Every life insurance conversation is a $250–$500 trust opportunity. Your clients expect you to offer complete protection. Now you can.