Life insurance brokerage for High Net-Worth individuals.

Where others said “It can’t be done”, we have found solutions.

It takes a wealth of expertise to insure a High Net-Worth Life.

We can help.

If you are concerned about estate taxes.

If you’ve been told you can’t get the amount of coverage you want or need.

If you have a medical condition and believe you can’t get insurance coverage…

We have a track record of securing policies that other brokers could not. And we operate nationwide, so you can get the coverage you need no matter where you are.

We understand that each insurance company applies different limits and ratings, and we create competition on your behalf.

Thanks to our time-tested, 3-step process, we’ve brokered life insurance policies of up to $150m for an individual.

No matter how complex your finances, we’ve worked with someone like you before.

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Client Satisfaction
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Life coverage for High Net-Worth business partnership

Florida business partners came to us after they’d already spoken with two other agents who said it would be impossible to get the kind of policies they wanted. Finally, a colleague told the partners, “If anyone can help you, it’s Melody Benefits.” The reached out to us, and several months later, they had the full insurance amount they needed.

75% Partner

We brokered a $150M policy.

25% Partner

We brokered a $50M policy.


This is the Melody Benefits difference.

Everything we do is about earning your trust. We’re looking to help, not make a sale. Even if you ask us for a specific insurance product, we won’t sell it to you unless you need it. And if we think you can do better, we’ll tell you so. Our honesty doesn’t land us faster sales. But we’re playing the long game. We care about what’s right. We appreciate being told the truth, and know you feel the same way. That’s why our clients return to us year after year. And why no one has ever been dissatisfied. It’s why clients refer friends and family members at a rate of 55%. Honestly? We’re grateful.