What We Do
Life insurance designed around a specific financial objective.
Most life insurance is purchased as a standalone product. We treat it as a financial instrument — one that, when properly structured, serves a clear purpose within a broader financial picture.
Our work begins with understanding what a client is trying to accomplish. Coverage and structure follow from that.
Income Protection
Term and permanent life insurance structured to replace income, cover obligations, and protect the people who depend on it.
Tax Strategy
Permanent life insurance policies designed to accumulate cash value on a tax-advantaged basis, providing accessible capital without triggering taxable events.
Capital & Cash Management
Whole life policies structured to function as a stable, liquid capital reserve — non-correlated to markets and available when needed.
Key Person & Business Coverage
Policies that protect businesses against the loss of a key individual, fund buy-sell agreements, and support continuity planning.
Retirement Income Strategy
Permanent insurance integrated into a broader retirement plan to stabilize income distribution and reduce the impact of market volatility.
The Firm
Independent. Objective. Focused on outcomes.
Sovereign Life operates as an independent firm, which means our recommendations are guided by what is appropriate for a client's situation — not by product quotas or carrier incentives.
We work with a select group of highly-rated carriers and design each policy with a clear understanding of how it fits within the client's broader financial picture.
Our clients range from individuals and families planning for long-term security to business owners who need coverage that serves a specific strategic function.
Carson Herlean
Founding Partner
Carson focuses on retirement income strategy and the structured use of permanent life insurance as a financial planning tool. He works primarily with individuals and families looking to build a more resilient financial foundation.
Bradley Gibb
Founding Partner
Bradley brings a background in financial strategy and capital structure to Sovereign Life's client engagements. He specializes in working with business owners and entrepreneurs who need coverage that functions alongside a broader financial plan.
Our Approach
Coverage that earns its place.
Every policy we design has a defined role. We don't recommend coverage that doesn't serve a clear purpose, and we don't structure policies around commission — we structure them around outcomes.
Before any recommendation, we want to understand the full picture: income, obligations, existing coverage, and long-term objectives.
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Independent, carrier-agnostic recommendations
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Whole life and term products
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Business and personal coverage
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Coordination with existing financial plans
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Licensed and compliance-focused
Current safe withdrawal rate
With a SAFE Account
Target buffer duration
“Perhaps the greatest risk that retirees face is the possibility that stock prices will fall early in retirement. A buffer asset will provide the greatest protection against outliving assets.”
Wade Pfau, PhD — Retirement Income Research