Life insurance and annuities for the long term.
Most policies are structured around someone else's incentives. Stead places coverage aligned to your situation — analyzed, compared across carriers with full economics disclosed, and monitored over time so it keeps working.
Coverage we structure
Term Life
Simple protection for a specific period
Permanent Life
Long-term coverage with estate planning considerations
Income Protection
Planning for loss of earning ability
Key Person Insurance
Protecting critical people in a business
Buy–Sell Funding
Ownership transition planning
Complex / Custom
Multi-policy or cross-border needs
Longevity annuities
Guaranteed income structured for a long retirement.
Who this is for
Individuals & families
Income replacement, mortgage protection, education funding, and beneficiary planning. Coverage is typically structured around dependents and long-term obligations.
Founders & executives
Key person protection, business continuity, and personal coverage. Often combines term or permanent life with key person policies to protect the business and the family.
Business owners
Buy-sell funding, key person coverage, and succession planning. Ownership transition and business continuity are coordinated with licensed professionals.
Partners & shareholders
Buy-sell agreements, ownership transition, and equitable structuring. Coverage is aligned with partnership or operating agreements and reviewed on a regular cadence.
What we help with
- Determining the right amount of coverage
- Structuring ownership and beneficiaries correctly
- Avoiding gaps, lapses, and misalignment
- Coordinating with estate, tax, and legal advisors
Included: your Life Vault
Every client gets a private Life Vault — a secure hub for your policies, legal documents, health data, and access controls. Expiration alerts keep renewals on your radar. Role-based access means your spouse, executor, or advisor sees exactly what you choose to share, nothing more. Your coverage lives here permanently — not in a drawer.
See Life VaultFrequently asked questions
Does Stead sell or issue life insurance?
No. Stead Technologies, Inc. does not sell, place, negotiate, or bind insurance. We use consultations to understand fit and, when appropriate, connect you with properly licensed professionals who can help you.
What is Stead's approach to life insurance?
Stead is a life insurance and annuity brokerage for founders, executives, and high-net-worth individuals. We structure coverage around your actual situation — transparent carrier comparisons, full economics disclosed, and ongoing monitoring through your Life Vault. We place business through licensed professionals and stay involved after placement. We do not underwrite or issue policies.
How do I start?
Book a call on our calendar. You can share context in the booking flow or follow up by email. We do not collect medical history, DOB, SSN, or underwriting data on the website.
How does beneficiary and ownership structure work?
Licensed professionals we connect you with can advise on how to structure ownership and beneficiaries for your situation. Stead facilitates the request; we do not provide legal or insurance advice.
What happens after I book a call?
We use the time to understand fit and next steps. There is no guarantee of coverage or service. You will hear from us or a partner only if we can help.
Can I also use Stead for document storage?
Yes. Life Vault is our secure document vault for life-critical documents—identity, legal, insurance, financial, property, medical. You can use it alongside requesting insurance consultation.
Legal disclosure
Insurance & Licensing Disclosure
Stead Technologies, Inc. is not a licensed insurance agency or brokerage and does not sell, solicit, negotiate, place, or bind insurance. Stead facilitates requests for insurance consultations and connects individuals with properly licensed professionals.
Julian DiCarlo is a licensed life insurance producer in the State of New York (National Producer Number (NPN): 21781673; New York License No.: LB-1948032). Insurance-related services are provided solely in his individual capacity and only in jurisdictions where he is properly licensed.
Insurance products are offered by licensed third-party professionals and are subject to underwriting, carrier approval, and applicable state laws. Stead does not provide legal, tax, or accounting advice.