How We Help Businesses Owners & Individuals

Life Insurance

Insure Your Assets to Ensure Your Legacy

Life Insurance doesn’t make for great dinner conversation, yet often, it’s amongst the largest assets in our client’s financial portfolio that rarely gets reviewed. People take the time to address life insurance yet leave their policy alone without asking several critical questions. Additionally, they may hold annuities are often classified as expensive and sub-optimized.

DeNovo Advisory Group specializes in actively auditing and managing those contracts while advocating for our clients and their beneficiaries. As independent advisors, our focus is on you, not a product. We will work with your current carrier to advocate for you, your needs, and your beneficiaries as long as an insurance solution makes sense. After going through our PPH Exam to audit your existing policies and your specific needs, we survey the industry landscape to provide you with the most efficient solutions to help you reach your goals, many times in your current policies.

It’s always good to have a life insurance policy, but it’s even better to have an advocate that is making sure the policy is working for you, not the insurance company.


What We Do


Carrier Agnostic

Our allegiance is to you, not an insurance company. Our job is to equip you with the right solution from a competitive carrier, not a proprietary product.


Driven Advice

As your life changes, so should your insurance. By helping our clients & their fiduciaries identify the purpose/goal of their contracts, we’re able to maximize their benefit long-term.



In an industry filled with thousands of products, understanding how your contract works is critical. As specialists, we’re able to identify & educate you on the key components within.

Underwriting &

Mortality Assessments

We’ve systemized the underwriting process to place cases effectively and efficiently. We survey the industry landscape and negotiate on your behalf to ensure you are getting the best product for your situation.

Policy Audit

& Management

Life insurance is an asset that is generally not evaluated, reviewed, or appraised on a consistent and comprehensive basis. With the insurance industry experiencing constant change, we advocate for our client’s beneficiaries by providing ongoing management & audit services.

Funding and

Implementation Strategies

Navigating through how to fund insurance strategies can be multifaceted. With banks, corporate dollars, trusts, and business partners, we help determine who, what amount, and with what frequency premiums are to be paid.

Areas We Serve

New and Existing Life Insurance
Insurance Policy Valuation
Disability Overhead/Income Insurance
Fixed, Indexed & Variable Annuities
Private Placement Life and Annuity
Bank Owned Life Insurance

After going through our process, our clients can be confident that there is no better solution in the industry for their needs.

Securities offered through AXA Advisors, LLC (212-314-4600), member FINRA/SIPC. Investment advisory products and services offered through AXA Advisors, LLC, an investment advisor registered with the SEC. Annuity and insurance products offered through AXA Network, LLC and its insurance agency subsidiaries. AXA Network, LLC does business in California as AXA Network Insurance Agency of California, LLC and, in Utah, AXA Network Insurance Agency of Utah, LLC. AXA Advisors and its affiliates do not provide tax or legal advice. Individuals may transact business and/or respond to inquiries only in state(s) in which they are properly registered and/or licensed. The information in this web site is not investment or securities advice and does not constitute an offer.
Flodder Financial Group, LLC is not owned or operated by Equitable Advisors or Equitable Network. Equitable Advisors and Equitable Network are brand names for AXA Advisors, LLC and AXA Network, LLC, respectively.
Equitable Holdings, Inc. is a publicly traded corporation, and its subsidiaries are currently using trademarks including the “AXA” name, AXA logo and associated trademarks of AXA SA under license.