Life insurance
Right coverage, right structure. We connect you with licensed professionals.
Coverage we help coordinate
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
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
Policies and supporting documents are stored in a private vault with access controls, renewal alerts, and continuity planning.
See Life VaultCompliance
Stead does not sell, place, negotiate, or bind insurance. We connect you with properly licensed professionals for consultation and coordination. Insurance products are offered by licensed third parties and subject to underwriting and state regulations.
Frequently asked questions
Does Stead sell or issue life insurance?
No. Stead Technologies, Inc. does not sell, place, negotiate, or bind insurance. We collect requests for consultation and route them to properly licensed professionals who can help you.
What is Stead's approach to life insurance?
Stead is a modern life insurance brokerage built for transparency. We help you request the right coverage, provide transparent policy analysis and carrier comparisons, and connect you with licensed professionals who can advise on term life, permanent life, key person coverage, buy-sell funding, and income protection. We do not underwrite or issue policies.
What information do I need to request a consultation?
You can share your location, occupation, income range, family status, timeline, and what you want help with (e.g., term life, review existing coverage). We do not collect medical history, DOB, SSN, or underwriting data.
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 submit a request?
We review requests and respond when there is a clear fit. 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.