What we do

Life Insurance

Objectives: Preserving Wealth

With over four billion dollars of insurance already in force, SML’s industry influence, expertise and resources are well established. Our proprietary product offerings, technical presentation proficiency and large case portfolio structuring are virtually unmatched nationwide.

For additional information regarding Life Insurance, please contact us at info@smlinc.com.

Solutions: Executing Strategies Effectively

SML aligns best practices for designing sophisticated life insurance programs, administering client policies and monitoring ongoing product performance. We are a leading member of the M Financial Group, which is a unique nationwide network of select independent insurance & investment firms dedicated exclusively to serving wealthy individuals, successful corporations and their executives. The combined benefit of SML and M Financial provides innovative and proprietary solutions tailored to meet each clients financial needs.

For additional information regarding Life Insurance, please contact us at info@smlinc.com.

Services: Why We Are Different

  • Access to Proprietary Products Designed & Priced for the Affluent Marketplace.
  • Underwriting Proficiency to Address a Variety of Potential Medical & Avocation Challenges.
  • Experienced Staff of Long Tenured Marketing & Service Professionals.
  • Annual Review Process that Creates Opportunities & Avoids Disappointing Surprises.
  • Department Expertise In:
    • Wealth Transfer/Estate Planning Protection
    • Income Replacement for Individuals & Families
    • Split Dollar Funding for Gift Tax Efficiency
    • Stock Redemption for Businesses
    • Key Person Coverage for Executives

For additional information regarding Life Insurance, please contact us at info@smlinc.com.

Products: Expertise Delivered

  • Variable Life*
  • Term Life
  • Annuities
  • Variable Annuities*
  • Survivorship Whole Life
  • Survivorship Variable Universal Life*
  • Whole Life
  • Universal Life
  • Survivorship Universal Life
  • International Life Insurance

*Securities offered through M Holdings Securities, Inc. a Registered Broker/Dealer, Member FINRA/SIPC. Sitzmann Morris & Lavis Insurance Agency operates independently from M Holdings Securities, Inc. Sitzmann Morris & Lavis Insurance Agency is a subsidiary of Brown and Brown, Inc.

For additional information regarding Life Insurance, please contact us at info@smlinc.com.

Instant Term Life Quote:

Welcome to the SML Term Life Insurance Quoting Center!

Requesting a free, no-obligation, term life insurance quote through SML is now faster than ever! It’s that easy to start protecting your family’s financial future now! After entering your personal information below, we will aggressively shop the market to find you the best rates from the top tier Life Insurance companies we represent including Legal & General America (Banner), Genworth, Transamerica, Principal Financial, MetLife, Lincoln Financial, Prudential and Protective


Thanks for shopping with SML!

Employee Benefits

Objectives: Achieving Client Satisfaction & Trust

Our comprehensive service capabilities, extensive product offerings and customized benefit solutions are rarely matched in the broker community. We diligently work with each account to ensure outstanding results and lasting friendships.

For additional information regarding Employee Benefits, please contact us at info@smlinc.com.

Solutions: Delivering Sophisticated Consultation

SML provides complete market analysis and sophisticated benefit solutions for varied businesses. Professional guidance is only issued after thoughtful client examination and thorough assessment. Important employer objectives are accurately identified because we listen and react to our clients’ specific needs. Appropriate cost-to-benefit recommendations are then developed with essential client information in mind. Itemized proposals illustrate our technical excellence and provide clear answers to complex questions. We gain trust through deeds accomplished and promises kept.

For additional information regarding Employee Benefits, please contact us at info@smlinc.com.

Services: Comprehensive & Customized

  • Marketplace: 2 – 20,000 Employees
  • Private Exchange
  • Proprietary Wellness Programs
  • Proprietary Employee Benefit Resource Guide
  • Proprietary Client Management System
  • Mid Year & Annual Renewal Analysis
  • Employee Benefit Seminars
  • In-house Underwriting Department
  • Benchmarking
  • Online Enrollment
  • Focused Account Teams
  • Budgeting
  • In-house Legislative & Compliance Department
    • HIPAA Conformity
    • Wrap SPD Preparation
    • Form 5500 Preparation
    • ACA Reporting

For additional information regarding Employee Benefits, please contact us at info@smlinc.com.

Products: A Passion For Distinction

  • Employee Assistance Programs
  • Section 125 Plans
  • Section 132 Plans
  • Medical
  • Dental
  • Vision
  • Life/AD&D
  • Short Term Disability
  • Long Term Disability
  • Long Term Care
  • Voluntary Benefits

For additional information regarding Employee Benefits, please contact us at info@smlinc.com.

Vendor Partners:

Aetna U.S. Healthcare www.aetna.com

AFLAC  www.aflac.com

AIG www.aig.com

American Specialty Health www.ashn.com

Ameritas www.ameritas.com

Anthem Blue Cross www.anthem.com/ca

Assurant www.assurant.com

Blue Shield of California www.blueshieldca.com

California Choice www.calchoice.com

Cigna www.cigna.com

Claremont Behavioral www.claremonteap.com

Delta Dental Plans www.deltadental.com

EyeMed www.eyemedvisioncare.com

The Guardian www.glic.com

Hartford www.hartfordlife.com

Health Net www.healthnet.com

Humana www.humana.com

IGOE Administrative Services  www.goigoe.com

Infinisource  www.infinisource.com

Kaiser Permanente www.kp.org

Liberty Mutual www.libertymutual.com

Lincoln Financial www.lfg.com

MES Vision  www.mesvision.com

MetLife www.metlife.com

Mutual of Omaha www.mutualofomaha.com

Principal Financial Group www.principal.com

Prominence Health Plan www.prominencehealthplan.com

Reliance Standard www.rsli.com

Standard Insurance Company www.standard.com

Sterling Administration  www.sterlingadministration.com

SunLife www.sunlife.com

TASC  www.tasconline.com

Trustmark www.trustmark.com

United Healthcare www.uhc.com

UNUM www.unum.com

Vision Service Plan www.vsp.com

Wageworks  www.wageworks.com

 

For additional information regarding Employee Benefits, please contact us at info@smlinc.com.

Property & Casualty

Objectives: Protecting Your Business & Personal Assets

As part of Brown & Brown Insurance, the nation’ s 6th largest broker, SML is well positioned to offer the very best products in the Commercial & Personal Insurance marketplaces. Our carrier access, both regionally and nationally, is vast. We maintain solid, established relationships with our vendor partners. These relationships enable us to provide broad coverage recommendations with the best possible terms in the Commercial Insurance marketplace.

For additional information regarding Property & Casualty, please contact us at info@smlinc.com.

What We Do: Effectively Manage Risk

  • Identify principal exposures to loss
  • Review and recommend coverage options
  • Select and negotiate with carriers on your behalf
  • Present and explain insurance contracts
  • Review coverage annually and make recommendations
  • Claim’s management, assistance and reporting
  • Boutique service standards

For additional information regarding Property & Casualty, please contact us at info@smlinc.com.

What This Means: Peace of Mind

  • Single source for exploring risk
  • Brown & Brown national and regional influence translates to competitive and captive markets
  • Negotiating strength helps to ensure competitive pricing, coverage and claim’s treatment.
  • Knowledgeable and experienced staff that strive to meet all of your insurance needs

For additional information regarding Property & Casualty, please contact us at info@smlinc.com.

Products: Best in Class

  • Casualty (Automobile, General Liability, Workers’ Compensation)
  • Claims Management & Consulting
  • Environmental Liability
  • Executive Liability (Directors & Officers, Employment Practices, Errors & Omissions)
  • Property
  • Risk Services
  • Cyber and Proprietary Programs

For additional information regarding Property & Casualty, please contact us at info@smlinc.com.

Retirement Planning

Objectives: Achieving The Goals Of Fiduciaries & Individuals

We believe retirement plans are more important and complex than ever. Our objective is clear: We assist our clients in effectively meeting their fiduciary obligations while providing a plan that meets the diverse needs of its participants.

For additional information, please contact us at info@slwadvisors.com.

Solutions: Providing Total Retirement Plan Health

All components of a retirement plan including – Investments, Recordkeeping, Plan Design, Regulatory, Participant Communication & Education – are important in achieving your retirement plan goals. Our holistic approach to retirement plan consulting differentiates us from most insurance brokers, financial planners and investment advisors. With our unbiased internal evaluation process and depth of knowledge in all areas of retirement plans, we provide our clients with a comprehensive solution to their retirement needs. Our focus is retirement plan consulting.

For additional information, please contact us at info@slwadvisors.com.

Services: Partnering To Be Your Prudent Expert

  • Establishment of a Fiduciary Process
  • Total Fee Analysis & Fee Transparency
  • Investment Advisory Services
    • Monitoring & Benchmarking
    • Investment Selection & Due Diligence
    • Private Wealth Management
  • Investment Policy Statement
  • Comprehensive Provider, Plan & Industry Benchmarking
  • Regulatory Updates & Best Practices
  • Employee Education & Communication Strategies
  • Provider Search Consulting
  • Fiduciary Assessments
  • Plan & Provider Transition Services
  • Ongoing Administrative Support

For additional information, please contact us at info@slwadvisors.com.

People: Applying Professional Expertise

  • Licensed & Accredited Professionals (6, 63, 7, 65, AIF®, CIMA®)
  • Dedicated Communication Specialists
  • Retirement Plan Specialists

For additional information, please contact us at info@slwadvisors.com.

Private Client Group

Objective: Asset Protection

The SML Private Client Group provides comprehensive products and services to help meet the unique insurance needs of individuals and their families. Working with our clients, we analyze coverage gaps, identify potential loss exposures and recommend proper limits of liability to protect both property and financial assets.

For additional information regarding Private Client Group, please contact us at info@smlinc.com.

 

Products: Managing Your Risk

Our portfolio of insurance products offers a variety of solutions for clients in all 50 states and around the world.

  • Auto
  • Aviation
  • Collections
  •  Art
    • Wine
    • Jewelry
    • Miscellaneous
  • Flood
  • Condominium
  • Earthquake/Hurricane
  • Family Office
  • Home
  • Hurricane/Windstorm
  • Kidnap/Ransom/Extortion
  • Motorcycle
  • Personal liability/Umbrella n Renters
  • Vineyard/Farm/Ranch
  • Watercraft

For additional information regarding Private Client Group, please contact us at info@smlinc.com.

Carriers: Best in Class

As an independent agent, we have access to over 30 personal insurance carriers that offer our clients the broadest protection and best value.

  • ACE
  • AIG
  • Allied
  • AXA Art
  • California Insurance Group
  • Chubb
  • Crestbrook
  • Encompass
  • Fireman’s Fund
  • Foremost
  • GeoVera
  • Hartford
  • Kemper
  • Lloyds
  • Mexipass
  • Pacific Select
  • Progressive
  • Pure
  • Safeco
  • Travelers
  • Unigard
  • USLI

For additional information regarding Private Client Group, please contact us at info@smlinc.com.

People: Applying Personal Expertise

Our professional advisors offer unparalleled service and sophisticated coverage solutions to manage our clients’ personal insurance programs. For a free quote and coverage review, please contact our Personal Insurance Leader, Chuck Reyna at (800) 733-3131, Ext. 1234 or by email at creyna@smlinc.com.

Executive Benefits

Objectives: Helping Companies Attract & Retain Key Executives

Effective executive benefit planning supports a company’s effort to attract, retain and reward key employees who contribute to growth and profitability. These packages encourage your key employees and executives to stay with your company while providing them with incentives that offer long-term growth potential and favorable tax benefits.

For additional information regarding Executive Benefits, please contact us at info@smlinc.com

Solutions: Tailored To Key Employees

SML excels at customizing proprietary plans that consider the diverse needs of executives, while balancing the overall objectives of your company. We carefully evaluate strategic benefit opportunities and then structure programs that help your company maximize shareholder value. As a result, your executives are provided with a competitive benefit package to help meet their financial goals.

For additional information regarding Executive Benefits, please contact us at info@smlinc.com

Services: Maximizing Cost Efficiency, Effectiveness & Security

Our talented professionals work directly with your executives as a trusted corporate advisor developing benefit strategies that effectively support financial well-being. SML delivers added value without adding to the human resource workload. Our dedicated executive benefit team coordinates plan billing, custom enrollment solutions, policy service and final implementation.

For additional information regarding Executive Benefits, please contact us at info@smlinc.com

Products: Finding The Right Plan

  • Supplemental Executive Retirement Programs
  • Group Carve-Out Coverage
  • Split-Dollar Life Insurance Programs
  • Business Succession Planning
  • Buy-Sell Agreement Design & Funding
  • Individual Disability Income Protection
    • Employer Funded
    • Voluntary
  • Individual Long Term Care
    • Employer Funded
    • Voluntary

For additional information regarding Executive Benefits, please contact us at info@smlinc.com


 

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