INSURANCE BROKERAGE AGENCY (BGA) · ESTABLISHED 1975
We help advisors place more life, annuity, and hybrid LTC business with less effort. Fast proposals, clean case design, hands-on agent coordination, and flexible underwriting across 40+ carriers.
We handle the heavy lifting so you can focus on planning, relationships, and growth.
Support for advisors on products, strategies, and underwriting.
Custom IUL, term, annuity, and hybrid LTC designs for every scenario.
Fast product comparisons with clear, client-ready summaries.
Full coordination from application to issue to keep everything moving.
Field underwriting, carrier negotiation, and guidance on requirements.
Match client goals with the right niches and product strengths.
Clean illustrations and transparent comparison grids.
Policy audits, performance reviews, and recommendations for improvement.
Everything your advisory practice needs to run insurance efficiently — centralized, organized, and purpose-built to keep your team moving.
Know exactly where every case stands — underwriting, requirements, approvals, and delivery.
Most proposals prepared within 30 minutes so you can respond to opportunities immediately.
A scalable back-office engine that expands your capacity without adding staff or complexity.
Direct access to contracting forms, illustrations, case tracking, and more.
Open Advisor LoginA deep bench across life, annuity, and LTC — matching product niches to client goals.
Logos for illustration only. Full list of carrier appointments available on request.
Real advisor wins—specific challenges, how we analyzed them, and the results.
Hybrid Life/LTC · CareMatters
Designed a single-pay and 10-pay comparison, leveraging indemnity-style LTC benefits for flexible long-term care funding. Increased LTC monthly benefit by 28% vs. prior plan while keeping premiums level and predictable.
Term · Business Owners
Implemented laddered coverage to match valuation steps and buy-out obligations, saving 18% vs. a single carrier approach while maintaining coverage at each milestone.
MYGA · Retiree Income
Built a 3-, 5-, and 7-year MYGA ladder with RMD coordination to improve blended yield by 42 bps while preserving access for planned withdrawals.
Youssef Financial Services is a second-generation insurance brokerage agency (BGA) helping independent advisors deliver better protection and retirement outcomes since 1975.
Founder
Founder of YFS in 1975, Rick brings more than 50 years of experience in the insurance and financial services industry. He built the agency on service, integrity, and deep product knowledge.
.jpg)
President
With more than 23 years in the insurance and financial service industry, Eddie leads YFS with a focus on recruiting, advanced case design, and helping advisors streamline the insurance process.
Senior Case Manager
With over 20 years at YFS, Shannon manages illustrations, applications, underwriting coordination, and agent communication. She brings deep knowledge of the life insurance process across dozens of carriers, ensuring clean case flow and fast resolution.
OSJ Delegate
Bio coming soon.
“They know the products, they know underwriting, and they talk to our team the way we do. It feels in-house.”
Independent BD Partner
“YFS turns around complex cases quickly, with options that are ready to share with clients. It saves our staff hours every week.”
RIA Partner
“From training to illustrations to follow-through with underwriting, they run the entire insurance process so we can stay focused on planning.”
Wealth Management Office
Send us a quick scenario. We will reply with options and a client-ready summary fast.
