Knowledge & Clarity
Frequently Asked Questions
Find transparent answers about our multi-carrier underwriting approach, specialty disability riders, life insurance structures, and premium financing.
Have a Unique Case?
We specialize in complex underwriting scenarios, multi-life partnership coverage, and high-net-worth estate liquidity. Contact our senior advisory desk directly.
Submit a Case Study for ReviewWhat is the role of Aurexx Insurance Services?
Aurexx is an independent insurance and wealth advisory brokerage. We are not captive to any single insurer. We evaluate your goals, compare proprietary underwriting criteria across top-rated carriers (MassMutual, Guardian, Principal, Pacific Life, Lincoln), and negotiate the most favorable terms for your case.
What is Life Insurance Premium Financing?
Premium Financing is a leveraged strategy where high-net-worth clients ($5M+ net worth) borrow funds from an institutional lender at wholesale commercial rates to fund large life insurance policies ($5M–$50M+ death benefit). This secures substantial estate liquidity while keeping core assets invested in high-yielding vehicles.
What is True Own-Occupation disability insurance?
True Own-Occupation is the highest tier of income protection for specialized professionals. It guarantees benefit payouts if illness or injury prevents you from performing your specific specialty duties, even if you are capable of earning income in another medical, legal, or business capacity.
How does the "Submit a Case" process work?
When you submit a case through our portal, a senior specialist reviews your professional profile, medical history, and financial goals. We formulate a confidential underwriting brief, source competing offers from carriers, and present you with a side-by-side analysis with zero sales pressure.
Do I pay any fees for Aurexx’s advisory services?
No. Our advisory, sensitivity modeling, and case underwriting analysis are provided at zero direct cost to you. If you choose to place coverage, our compensation is standardized and paid directly by the chosen insurance carrier.