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  • Delivering Solutions
    To help you build, manage, and preserve wealth for you and your family.
  • Risk Management to meet your needs
    We strive to provide the highest level of service and guidance to create a unique and balanced plan
  • Compare Affordable Medicare Supplement Plans Instantly
    Medicare open enrollment is October 15th to December 7th.

About Level Four Insurance Agency

Through Level Four Insurance Agency, your advisor and agent can access a variety of insurance carriers in order to select appropriate products and coverage for you and your family. Our role as your advocate ensures objectivity, and our access to multiple carriers and products eliminates the need for you to shop for the most cost-effective solutions.

Level Four does more than just Insurance and Risk Management! As a Level Four Insurance client, you’ll have access to our team-based value proposition that brings you financial planning, wealth management, risk management, business services, tax planning and more.

Level Four Insurance Agency has been an industry-leader in this space for over a decade and specializes in finding the solution that fits your lifestyle.

Risk Management & Advanced Planning

Insurance is a critical component in a holistic financial plan, allowing you to protect your wealth and minimize risk. We strive to provide the highest level of service and guidance to create and implement unique solutions fitted to you. As a division of Level Four Wealth Management, Level Four Insurance Services is dedicated to providing solutions to help build, manage, and preserve wealth for you and your family. Whether your needs require life insurance, retirement income planning, Medicare/Medi-gap, or long term care, we can find the right solutions to for your stage in life. No situation is too complex or difficult for our team to analyze and provide advice regarding the appropriate course of action.
"Our proven processes encompass more than providing insurance in the event of the unknown. We strive to work with you to provide strategies to help you with anything from financial protection, estate planning, funding long-term care or health-related expenses, retirement income, bridging Medicare gaps, and more.”
Luke Britt – Practice Director, Level Four Advanced Planning & Business Solutions
Delivering solutions that seeks to build, manage, and preserve wealth for you and your family.
Insurance & Risk Management Plans as Unique as You Are.
Your plan should be based on your personal life and goals. We are devoted to creating a balanced plan to suit your individual needs.

Meet Our Teams

Advanced Planning
& Business Solutions
Life Insurance
Annuities &
Retirement Income
Insurance Specialist
Insurance Ops
Commissions
Accounting

Insurance Operations

Commissions Accounting

Life Insurance
Retirement Income
Planning
Advanced Planning
& Risk Management
Estate Planning
Long-Term Care
Medicare
Disability
Insurance

Life Insurance

Life insurance is an essential product in the area of wealth management – for financial protection, saving, for investing, and for passing on wealth to the next generation. Life insurance is an essential product in the area of wealth management – for financial protection, saving, for investing, and for passing on wealth to the next generation. In addition to traditional life insurance, we also offer short-form applications and an expedited underwriting process that allows policies to be approved at the time of completing the application. This process can be an effective solution for clients who do not want to endure the process of full underwriting as well as clients who may be considered a substandard risk when applying for fully-underwritten insurance.

Life insurance products can be structured as a potential solution for:

  • Estate Tax Funding
  • Funding Extended Healthcare & Long-Term Care Expenses
  • Saving for College
  • Supplemental Retirement Income
  • Wealth Transfer
  • Risk Reduction & Management
  • Executive Benefits for a Small Business

Products Include:

  • Term Life Insurance
  • Permanent Life Insurance
  • Whole Life Insurance
  • Universal Life Insurance
  • Variable Life Insurance
  • Simplified Issue Life Insurance
 
  • Guaranteed Issue Life Insurance
  • Final Expense Insurance
  • Group Life Insurance
 

Retirement Income Planning

We pride ourselves in our ability to discuss planning opportunities and potential pitfalls that people may experience just before and during their retirement years. Our planning process makes retirement income planning decisions simple and plan implementation more effective. Many are looking for safety and guaranteed income as they approach and live through their retirement years. At LFIA we utilize fixed and fixed-indexed annuities as some of the solutions to address your retirement income needs.

Planning Strategies

  • Social Security Benefits
  • Systematic Withdrawal Strategies
  • Tax Diversification & Reduction
  • Funding Healthcare Expenses
  • Surviving Spouse Protection
  • Pension Option Election
  • Required Minimum Distribution Management
  • Managing Risks to Income Plans
Our proprietary Income Stool planning process makes retirement income planning decisions simple and plan implementation more effective. The Income Stool is available to less than 1% of financial advisors in the country and is offered exclusively through Level Four Insurance Services.

Advanced Planning & Risk Management

Advanced Planning is our way of providing next-level advice to Individuals, Families, and business owners. Our team of specialists bring together insurance strategies to address your needs and holistic financial plan.

Individuals and Families – Risk Management, Retirement Income, Long-Term Care Funding, Eldercare Planning, Estate Planning & Wealth Transfer, Estate Tax Funding, Charitable Giving, Income Tax Reduction Management, Family Income Replacement and more.

Business Owners – Risk Management, Retaining Key Employees, Supplemental Executive Retirement Plans, Nonqualified Deferred Compensation, Qualified Plans, Accumulated Earnings Strategies, and Corporate-Owned Life Insurance

Planning Strategies

  • Social Security Benefits
  • Systematic Withdrawal Strategies
  • Tax Diversification & Reduction
  • Funding Healthcare Expenses
  • Surviving Spouse Protection
  • Pension Option Election
  • Required Minimum Distribution Management
  • Managing Risks to Income Plans
Our proprietary Income Stool planning process makes retirement income planning decisions simple and plan implementation more effective. The Income Stool is available to less than 1% of financial advisors in the country and is offered exclusively through Level Four Insurance Services.

Estate Planning

Like Wealth Transfer Planning, Estate Planning is a critical planning opportunity to achieve the continuation of family wealth for all sizes of estates. Put simply, an effective Estate Plan allows you to pass an inheritance to who you want how you want when you want by implementing strategies appropriate to the size of your estate and the risks that are specific to you, your family, and your business, if applicable.

Our Process

Because of the complexities that can arise in developing an Estate Plan we have helped implement various strategies including:
  • Asset Repositioning
  • Irrevocable Life Insurance Trusts
  • Charitable Trusts (e.g. CRUT, CRAT, CLT)
  • Qualified Charitable Distributions
  • Leveraged Gifting
  • Premium Financing
  • Qualified Plan Wealth Transfer
  • Multi-Generational IRA Distributions
  • Dynasty Trust Planning
  • Restricted Beneficiary Payments
  • Annuity Gifting Programs
Through our corporate structure we have teams of subject matter experts in the fields of wealth management, taxes, qualified retirement plans, and more that can assist in developing the right plan for you and your family. If you are currently working with trusted advisors, such as tax and legal professionals, we are able to work with them to make certain that everyone is involved and understands your goals and interests in your plan.

Long-Term Care

Our Long-Term Care Planning offerings are an integral part of your comprehensive financial plan and can ensure tax benefits, plan funding, guaranteed cost certainty, and more. Unlike traditional Long-Term Care Insurance, our solutions do away with “use it, or lose it” benefits. Statistically, 70% of Americans will require some form of Long-Term Care in retirement. While no one can predict if you will need care, we can help to create a suitable plan to protect your family and ensure multi-generational financial security, whether you use the benefits or not.
Our Long-Term Care Planning offerings are an integral part of your comprehensive financial plan and can ensure tax benefits, plan funding, guaranteed cost certainty, and more.

In order to best protect yourself and your family, plan for Long-Term Care before care is needed.

Unlike traditional Long-Term Care Insurance, our solutions do away with “use it, or lose it” benefits. Statistically, 70% of Americans will require some for of Long-Term Care in retirement. While no one can predict if you will need care, we can help to create a suitable plan to protect your family and ensure multi-generational financial security, whether you use the benefits or not.
We understand that there isn’t a one size fits all approach to funding Long-Term Care. Our plans are designed around your best interests and financial goals. Our Asset-Based solutions can create leverage using existing assets while still remaining liquid. We can help you decide if qualified money, life insurance cash value, annuities, monthly payments, or cash lump sums are most appropriate to fund your Long-Term Care needs.

Long-Term Care Solutions Include:

Because of the complexities that can arise in developing an Estate Plan we have helped implement various strategies including:
  • Home Health Care
  • Community Care
  • Assisted Living Care
  • Nursing Home Care
  • Flexible Plan Design
  • Social Security Planning
  • Leverage assets while maintaining liquidity
  • Medicare Planning

Medicare

Medicare was never designed to cover all your medical bills. We’ll help you bridge the expensive gaps Medicare leaves behind and show you the right solution for your needs. Navigating through all the available medicare information can be confusing. We offer educational courses for those nearing age 65 to learn about the Medicare system and the benefits of both Medicare Advantage and Supplements as well as Medicare Part D options.
10,000 Americans are turning 65 every day and are eligible to enroll in Medicare as well as choose to purchase a Supplement Plan or Medicare Advantage Plan without answering required health questions.

This is an incredibly important moment for anyone turning 65 and is often a decision that is made without access to proper education or training.
Medicare was never designed to cover all your medical bills. We’ll help you bridge the expensive gaps Medicare leaves behind and show you the right solution for your needs.
Let us help you to navigate through the noise and ensure you’re getting the benefits you’re entitled to.

The Medicare Store, a division of Level Four Insurance Services, offers educational courses for those nearing age 65 to learn about the Medicare system and the benefits of both Medicare Advantage and Supplements as well as Medicare Part D options.
In addition to these products The Medicare Store also offers expertise in supplemental healthcare products including home healthcare, cancer, heart attack, and stroke plans, as well as vision, dental, and hearing coverage options.

Disability Insurance

Simply put, disability insurance protects your income. Disability insurance policies are customized to meet your needs whether you are an individual who has been previously declined coverage or a business owner looking for group disability insurance. Many Americans remember to buy life insurance to provide for their loved ones in the event of death, but they forget to secure paycheck protection to provide for their loved ones or employees in the event of disability. Our proprietary Analyzer makes it easy to compare options and identify superior solutions. We offer Individual DI, Business Overhead, Disability buy-sell, Keyperson DI, Retirement plan DI and more.

Our team of specialists can help you succeed on your financial journey.

Insurance & Risk Management
  • Life
  • Long-term Care
  • Medicare
  • Fixed & Variable Annuities
  • Corporate Retirement
  • Pooled Employer Plan
Learn More about our Insurance Agency
Capital Management
  • Equity SMA Strategies
  • Fixed Income SMA Strategies
  • Asset Allocation Models
  • Crypto
  • Alternative Investments
Visit our Capital management Solutions
Financial Planning
  • Estate Planning
  • Family Needs Planning
  • Insurance Planning
  • Investment Management
  • Organize & Analyze
  • Retirement Planning
  • Tax Planning
Fill our out WKYUAN form
Business Solutions
  • Tax Planning
  • Exit Planning
  • Employee Retention
  • Asset & Risk Management
  • Executive Benefits
  • Retirement Plan Consulting
  • Buy-Sell Consulting
Learn More about Our Business SolutionsVisit Level Four's Planning
Advisory Services
  • Corporate Retirement Plans
  • Pooled Employer Plan
  • Plan Assessment
  • Investment Management
  • Fiduciary Support
  • Investment Review
  • Plan Enrollment
  • Financial Education
Learn More about Our Advisory ServicesVisit Level Four's Planning
Private Client Services
  • Estate Planning
  • Multi-Generation Planning
  • Advanced Planning
  • Retirement Plan Consulting
  • White Glove Services
Learn More about Our Sports & Entertainment ServicesVisit Level Four's Planning

Ready to get started?

Contact  Level Four to find out how you can begin to pursue the life you dream.

Corporate Contact Information

12400 Coit Road, Suite 700 Dallas, TX 75251
Office: (866) 834-1040  |  Fax: (866) 763-9136  |  Email: [email protected]
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Level Four Financial

Legal Disclosures | Privacy Policy | Form CRS

Check the background of your Financial Professional on FINRA’s BrokerCheck. We take protecting you data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information. © 2021 Level Four Financial, LLC Member FINRA/SIPC Disclosures Representative Login | Representative Email 

Level Four Capital Management
Privacy Policy | Form ADV Part 2A | Form CRS

Investment advice offered through Level Four Capital Management, LLC, an SEC registered investment advisor. The content herein is derived from sources believe to be reliable and accurate. The information contained herein is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for informational purposes only, and should not be considered as a solicitation for the purchase or sale of any security.

Level Four Advisory
Privacy Policy | Form ADV Part 2A | Form CRS
Check the background of your financial professional on FINRA's BrokerCheck.

We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.

Securities offered through Level Four Financial, LLC, a registered broker dealer and member of FINRA/SIPC. Advisory services are offered through Level Four Advisory Services, LLC, an SEC-registered investment advisor. Accounts carried by Raymond James & Associates, Inc. Member New York Stock Exchange/SIPC. Neither Level Four Financial, LLC nor Level Four Advisory Services, LLC offer tax or legal advice. Please contact your tax or legal professional for specific information regarding your individual situation. Level Four Financial Registered Representatives associated with this site may discuss and/or transact securities business only with residents in states where they are registered. Please refer to https://brokercheck.finra.org for additional information.
Level Four Group, LLC is a division of CRI Capital Group, LLC, a subsidiary of CRI Advisors, LLC. “CRI" is the brand name under which Carr, Riggs & Ingram, L.L.C. (“CPA Firm”) and CRI Advisors, LLC (“Advisors”) and its subsidiary entities provide professional services. CPA Firm and Advisors (and its subsidiary entities) practice as an alternative practice structure in accordance with the AICPA Code of Professional Conduct and applicable law, regulations and professional standards. CPA Firm is a licensed independent CPA firm that provides attest services to its clients, and Advisors and its subsidiary entities provide tax and business consulting services to their clients. Advisors and its subsidiary entities are not licensed CPA firms.
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