Hybrid Life/LTC · CareMatters
Asset-based LTC using Nationwide CareMatters
Increased LTC benefit 28% vs prior plan.
INSURANCE BROKERAGE AGENCY (BGA) · ESTABLISHED 1975
We help advisors place more life, annuity, and hybrid LTC business with less effort. Fast proposals, clean case design, hands-on agent coordination, and flexible underwriting across 40+ carriers.
We handle the heavy lifting so you can focus on planning, relationships, and growth.
Support for advisors on products, strategies, and underwriting.
Custom IUL, term, annuity, and hybrid LTC designs for every scenario.
Fast product comparisons with clear, client-ready summaries.
Full coordination from application to issue to keep everything moving.
Field underwriting, carrier negotiation, and guidance on requirements.
Match client goals with the right niches and product strengths.
Clean illustrations and transparent comparison grids.
Policy audits, performance reviews, and recommendations for improvement.
Everything your advisory practice needs to run insurance efficiently — centralized, organized, and purpose-built to keep your team moving.
Know exactly where every case stands.
Most proposals prepared within 30 minutes.
Build capacity without adding staff.
A deep bench across life, annuity, and LTC — matching product niches to client goals.
Logos for illustration only. Full list available on request.
Real advisor wins.
Hybrid Life/LTC · CareMatters
Increased LTC benefit 28% vs prior plan.
Term · Business Owners
Saved 18% vs single carrier approach.
MYGA · Retiree Income
Improved blended yield by 42 bps.
Permanent Life · Guaranteed DB + ROP
Repositioned existing term coverage into a guaranteed UL with a return-of-premium window, preserving lifetime protection while creating an exit strategy.
Term · Living Benefits Riders
Replaced a standard term quote with a living benefits design, adding critical and chronic illness riders with only a small premium increase.
Index Annuity · Retirement Income
Built a guaranteed income plan using FIAs with income riders to meet a targeted retirement paycheck at age 65, while protecting principal from market loss.
Second-generation insurance brokerage agency (BGA) serving advisors since 1975.
Founder
Rick founded YFS in 1975 and brings over 50 years of expertise across life insurance, annuities, and advanced planning strategies. He built the agency on a foundation of service, integrity, and deep product knowledge.
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President
Eddie leads YFS with 23+ years of experience in recruiting, advanced case design, and simplifying the insurance process for advisors. He is the go-to resource for complex case strategy and execution.
Senior Case Manager
With over 20 years at YFS, Shannon manages illustrations, applications, underwriting coordination, and agent communication. She brings deep knowledge of the life insurance process across dozens of carriers, ensuring clean case flow and smooth experience for advisors and clients.
OSJ Delegate
Bio coming soon.
“YFS handles our life insurance work flawlessly. It feels like having an expert team built right into our office.”
Independent BD Partner
“Fast case design and clean comparisons. It saves our staff hours every week.”
RIA Partner
“From training to underwriting support , they handle everything so we can stay focused on planning.”
Wealth Management Office
“YFS is the only insurance agency we trust with complex cases. Their underwriting insight is unmatched.”
Independent RIA, Michigan
“They make insurance simple for our advisors. Clean summaries, fast turnarounds, and excellent service.”
Wealth Management Office, Ohio
“We increased our life production dramatically after moving all business through YFS. A true partner.”
Independent BD Advisor
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