Welcome to Acumen Insurance Solutions

Acumen, which is the ability to make good judgements and meaningful decisions in a particular area of specialty, is exactly what our team brings to the table when addressing the use of life insurance to meet our clients’ estate planning, business succession, executive retention, and retirement planning needs. Financial uncertainty and planning for the future can be difficult topics to address, which is why knowing your assets are in good hands is extremely important. We strive to help people gain financial peace of mind and preserve family harmony by providing the best-in-class life insurance products, knowledge, and service. Our goal is to help you protect your family and your business – now and after you are gone.

Acumen thrives at helping business owners attract and retain key employees, preserve equity, protect against loss, and coordinate their succession and estate plan.

We create specific life insurance plans for credit unions so they can earn a higher current yield without sacrificing safety or liquidity and acquire life insurance protection to attract and retain their top executives.

We help preserve harmony and bring financial peace of mind to loved ones after the passing of a key family member. We'll ensure fair distribution and protection of the family's financial assets.

Acumen has developed effective programs for nonprofit organizations to improve yields, attract and retain key employees and increase donations. 

Who We Are

At Acumen, our team works diligently to solve estate planning, business succession, and executive retention issues for families, businesses and nonprofits using strategically-designed tax-efficient life insurance products. For over a combined 100 years in our industry, we have leveraged our experience in law, finance and communications to become a thought leader and trusted resource to other professionals and their clients regarding life insurance.

Why We're Different

We're honest and transparent. We specialize in one thing: life insurance. We are a “foot wide and a mile deep” in this space and offer no other products or services. We have a wide range of experience in finance, insurance, and law, which makes us incredibly dynamic. Our independence allows us to offer “best of breed” products in every situation and we don't believe life insurance policies should ever be cookie cutter. We operate a low-volume, high-touch practice allowing us to offer top-quality, customized services. At Acumen, we put our client-centric mindset and team approach at the top of the list. Putting you first is our number one priority.

We Put Life Insurance to Work

Insurance agent presentation and consultations with a lawyer or insurance agent. Law and insurance.

Customized Life Insurance

Acumen’s insurance professionals provide best-in-class life insurance policy selection, design, underwriting, placement, and servicing. We are completely independent and offer access to policies backed by the industry’s strongest carriers. Whether you are credit union acquiring coverage as a way to offset employee benefit expenses, a business owner using life insurance as a way to retain key employees, or a family purchasing a policy in a trust to meet estate planning goals, Acumen walks you through the entire process and customizes every contract with maximum flexibility to fit your unique situation.

Life Insurance Audits & Second Opinions

Life insurance is a valuable asset that should be periodically reviewed. Acumen offers written audits of your existing in-force policies so you can understand exactly what you own and what your exit options are, in case you want to make a change. Life insurance products evolve and often improve over time, so the audit also reveals how competitive your coverage is compared to current offerings. In addition, it can be difficult to determine if an insurance proposal is designed properly and priced with your best interest in mind. Acumen provides written second opinions of active life insurance proposals to ensure that you make the most informed choice about this important financial decision.

Insurance agent holding pen medical insurance the policy and explain insurance policy to customer. life insurance concept.

Results We Help You Achieve

RETAIN YOUR BEST EMPLOYEES

Our executive compensation programs provide meaningful financial incentives for key employees that will increase your company’s bottom line and its
market value.

SAFEGUARD YOUR BUSINESS

We can show you cost-effective ways to protect yourself, your family, and your company in the event that you or another owner dies, retires, or becomes disabled.

PROTECT YOUR FAMILY

You can achieve peace of mind knowing that you can spend as much you need during your lifetime, and have remaining assets pass to your heirs with minimum taxation and maximum protection.

Let's Connect

Free 30-Minute Consultation

We'd love to learn about your goals and see if we'd make a great team. Please fill out the form before and we will get back to you shortly.

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A few of our happy clients

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“Acumen works with me and my team of advisors to design and place the life insurance policy”

Bill Potter, Owner, Potter Electric, National City, CA

"I own a specialty electric business that caters to naval and maritime clientele. My unexpended demise would devastate the value of my company and prevent my family from reaping the benefits of my decades of hard work and sacrifice. At the suggestion of both my lawyer and my business consultant, David Jacobs of Acumen Insurance Advisors worked with me and my team of advisors to design and place the life insurance policy that has become a critical part of my overall business succession and estate plan. We still meet regularly to gauge my policy's performance and make necessary changes. Acumen Insurance Advisors is the firm to work with for life insurance."

"I am enjoying the peace of mind that comes with knowing that my family is protected."

Dick Baright, Owner, Foam & Wash Car Washes, Tivoli, NY

"Our family is fortunate to own and operate a network of car wash and auto care facilities throughout the northeast. Protecting our wealth for our children and grandchildren, of whom there are many, is paramount. We now have two generations of our family taking advantage of the expertise that David Jacobs and his team at Acumen Insurance Advisors provide. Even though the firm is headquartered on the west coast, we have found them easy to communicate and do business with. I am enjoying the peace of mind that comes with knowing that my family is protected. Thank you, Acumen."

"They worked directly with me, my attorney and my accountant to customize and implement an intuitive wealth transfer and insurance plan that fit perfectly with my goals and objectives."

Mark Chapparone, Owner, Chapparone Auto Body, San Diego, CA

"Being in a service-oriented industry for over 40 years, I demand integrity, honesty, and a high level of expertise from my professional advisors. The team at Acumen Insurance Advisors, especially David, Scott and their staff, exceeded these expectations. As the owner of a family business and in a second marriage, my situation is not straightforward. They worked directly with me, my attorney and my accountant to customize and implement an intuitive wealth transfer and life insurance plan that fit perfectly with my goals and objectives. I recommend Acumen to anyone who wants to work with top-notch professionals in their field who always have their clients' best interests at heart."

"Since the partners have legal backgrounds, they understood how to properly design our coverage to accomplish my family's wealth transfer planning objectives."

John Hullverson, Esq., Partner, EmisonHullverson Law Firm, Tiburon, CA

"As a practicing lawyer, I constantly come across professionals who claim to work in the life insurance field, but Acumen Insurance Advisors truly specializes in life insurance. Since the partners have legal backgrounds, they understood how to properly design our coverage to accomplish my family's wealth transfer planning objectives. They also brought important issues to the table that my family did not originally consider. Due to changes in family dynamics, we had to make decisions that required significant changes to our policies, and Acumen helped every step of the way. I strongly recommend working with this firm."

"The plan also provides our key people with a safe, simple, and more tax efficient result."

Doug Ferraro, CEO, Bellco Credit Union

"From my perspective, it is critical that a Supplemental Executive Retirement Plan (SERP) work well for both out people and the credit union itself. The program Gateway Services introduced us to that Scot Hinkle, JD, CFP and his team designed first and foremost increased our yield on a significant portion of cash and equivalents by 4% while maintaining the safety and liquidity. The plan also provides our key people with a safe, simple, and more tax efficient result. Compared to other popular programs marketed to credit unions, ours is incredibly flexible and requires 35% less capital to achieve the desired retirement benefit for each executive."

"I cannot emphasize enough how important it is to review your COLI and SERPs with the experts at Acumen"

Dave Roughton, President & CEO, SAFE Credit Union

"Like many other credit unions, SAFE invested in Corporate-Owned Life Insurance (COLI) as a way to offset the cost of our benefits plans. Through Scott Hinkle and his team at Acumen Insurance Advisors, we came to learn that not all COLI is created equal. In our case, restructuring our COLI with Acumen will ultimately provide SAFE with a substantial increase in long term income from our original program. In addition, Acumen is now administering our existing Supplemental Executive Retirement Plans (SERPs), providing a level of service and insight that I have no experienced elsewhere. I cannot emphasize enough how important it is to review your COLI and SERPs with the experts at Acumen Insurance Advisors.

We feel secure knowing that our needs will be met in the event that anything happens to either or both of us.

Steve and Mamatha Rosenbaum

We are both professionals in the world of high tech and life insurance has always been a key part of our financial planning. We feel secure knowing that our needs will be met in the event that anything happens to either or both of us. Life insurance provides a solid backup to meet our mortgage, medical, education for our kids, and other major expenses in case we are not around to continue providing for our family. Most of all, life insurance gives us peace of mind. We have known David Jacobs of Acumen Insurance Solutions for 20 years. He is an expert in the field, providing guidance, transparency, and, above all, a high level of trustworthiness. You can trust him with your life insurance needs, too!

Real estate is my area of expertise and life insurance planning is his.

Eric Murphy, President, ELM Enterprises

David Jacobs coordinated with me, my mother, our CPA, and our attorney to design life insurance coverage to help fund our family’s multi-generation tax and estate plan. David’s legal background was of great value during our team’s planning discussions. Many years later, when tax laws changed and our need for some of the insurance lessened, he helped us liquidate coverage for far more than we paid in premiums. Real estate is my area of expertise and life insurance planning is his. David can be trusted to help you and your family, too. 

He even works in close coordination with our family's financial advisor, who recognized his special expertise in the life insurance area.

David Selig, CEO, Advice Dynamics Partners, LLC

David Jacobs at Acumen Insurance Services has provided peace of mind for my family for decades now. As founder & CEO of a boutique mergers and acquisitions consultancy, I know what it means to deliver top-tier advice and service to demanding clients. David delivers this and more on every front for us. He's handled our personal and business insurance needs in an honest, knowledgeable, and transparent manner -- crucial traits to have. He even works in close coordination with our family's financial advisor, who recognized his special expertise in the life insurance area. If you want to work with a life insurance pro who you can count on, David Jacobs should be your first call.

Not only does David assist me and my wife with our life insurance needs, but his depth of expertise and excellent communication skills make me feel comfortable

Will Griffith

As a practicing lawyer, I understand the importance of working with professionals who are knowledgeable and trustworthy. That’s why I rely on David Jacobs with Acumen Insurance Solutions. Not only does David assist me and my wife with our life insurance needs, but his depth of expertise and excellent communication skills makes me feel comfortable when he is advising my mother on her coverage as well. You will have a great experience working with David.

David Jacobs and his team at Acumen Insurance Solutions stand out as nationally recognized life insurance experts

Lisa R.

As the owner of a life settlement company, I interact with life insurance agents from across the country every day. David Jacobs and his team at Acumen Insurance Solutions stand out as nationally recognized life insurance experts who are also a pleasure to work with. I have seen the level of trust that their clients place in them, and I recognize their ability to communicate honestly and effectively. When it comes to meaningful life insurance planning, you will have a great experience working with David Jacobs and Acumen Insurance Solutions.