Welcome

SouthCap is a national life insurance general agency. We help insurance consultants, investment advisors and family offices around the country with their client’s insurance and estate planning needs. We have over 50 years of combined experience in the life brokerage and investment banking businesses.

SouthCap offers clients underwriting advocacy, advanced case design and point of sale support.

Underwriting Advocacy

The typical insurance process involves an agent meeting with a client, taking an application and submitting that application to an insurance company. The company orders medical records, underwrites the client and then provides a "take it or leave it" offer. Our process is different. We take an informal application and then collect medical records on behalf of the client. Our team summarizes the insured ’s medical history and identifies any potential underwriting hurdles. We then figure out how to address those hurdles and position the client in a more favorable light, which sometimes includes additional testing. When we are ready to present the client to carriers, our medical underwriters summarize the case. We make a rating recommendation, and send it to either the head underwriter, or the team of underwriters at the carrier we work with. Our process works quickly and efficiently, and has proven results.

Advanced Case Design

We specialize in advanced case design. Our team can help in the following areas:

Point of Sale Support

SouthCap provides on location support, direct to an advisor’s client, or their client’s CPA or attorney. We can help with marketing strategies and provide presentation materials individually tailored for your clients.

Wealth Preservation

Our clients spend a lifetime growing and creating an estate. Let our team of advisors help mitigate the unnecessary exposure to estate taxes or other creditor claims. We tailor a personalized plan of figting and financing techniquest to ensure your assests remain in tact for your desired beneficiaries.

Business Continuity

Without a proper continuity plan many businesses cannot continue to be a success. We work with our clients to provide a feasible exit strategy for a smooth business transfer for any expected or unexpected change in leadership.

Executive Benefits

A successful business thrives because of its people. Typical retirement plans penalize high wage earners. Our clients have implemented creative solutions to allo discretionary contributions to reward those who make the business a success.