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Insurance & AI Consulting Services

Life insurance, employee benefits, buy-sell funding, and AI integration.
Built for individuals and small businesses that think a few moves ahead.

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How We Help

Start with the service that matches the problem in front of you.

Life Insurance Solutions

Protect your family and legacy with coverage designed for your unique situation.

Buy-Sell Agreements

Keep ownership transitions clean with properly funded agreements.

Employee Benefits

Retain talent and manage costs with competitive benefits packages.

Strategic Reserve

Financial coaching for young professionals who deserve guidance, regardless of net worth.

AI Integration

Automate the busywork, so you can put your full attention towards your craft.

Who We Serve

We work with people who think a few moves ahead.

Individuals & Families

Protect your loved ones and build generational wealth with coverage that fits your life stage.

Business Owners

Key person coverage, buy-sell funding, and AI services for the future of your business.

HR Leaders

Design benefits packages that attract talent and control costs. We handle the complexity.

We have a few notches on our belt.

Read the Case Studies

How We Work

A deliberate approach to protecting what's there and building what isn't.

  1. 1

    Recon

    We listen first. Understanding your situation, goals, concerns, and timeline before we recommend anything.

  2. Design

    We map out options and recommendations based on your goals.

    2
  3. 3

    Execute

    We handle the work: applications and carrier coordination on the coverage side, design and deployment on the build side.

  4. Sustain

    We maintain an ongoing review cadence so our solution evolves with you.

    4

Bring Us the Hard Question

Tell us what you're facing and we'll map the options. No pitch, no pressure.

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Frequently Asked Questions

Common questions about working with Skane Strategies.

We sell answers, not products or hours. On the insurance side that means listening first and designing coverage that fits, not pushing whatever pays the best commission. On the AI side it means shipping working systems instead of running discovery loops. Our Scandinavian roots inform the work: preparedness and straight answers.
We focus on life insurance (term, whole life, universal), employee benefits consulting, and buy-sell agreement funding. These are the protection strategies that matter most for individuals and small businesses.
Custom automations and integrations for small operators: agenda monitoring, document analysis pipelines, scheduling automations, custom dashboards. We design it, build it, ship it, and run it. See the case studies for real examples.
Yes. Most of what we ship is built from scratch for one client. Our largest platform build, a statewide agenda-monitoring system, didn't exist before we built it. If you can think it, we can build it.
Initial consultations are always free. Insurance consults stay free (the carrier compensates us when a policy issues, not you). AI consults are free too, and we'll workshop a real solution with you at no charge to see if we're the right team. Pricing only kicks in once the build starts.
We work with multiple top-rated carriers to find the right fit for each client. This allows us to shop the market on your behalf and present the options that actually fit.
Insurance varies by product: simple term policies can be in force within weeks, more complex strategies take longer to design and implement properly. AI builds depend on scope: a focused integration might ship in 2-4 weeks, a multi-platform system runs longer. We'll give you a clear timeline during our initial conversation.
We're based in San Diego and serve insurance clients throughout California (and out-of-state for individual life insurance where licensing allows). AI work isn't bound by geography; we work with operators wherever they are.
We're happy to review either at no cost. On insurance, many people have policies that are outdated, underfunded, or no longer match their situation. On AI, the right move is often fixing the bottleneck in your current stack rather than replacing it. Either way, we'll tell you honestly whether changes make sense or if you're already well-positioned.
It depends on your income, debts, dependents, and goals. As a general guide, many people need 10-15x their annual income in life insurance, but the right number is personal. We'll help you calculate what makes sense during our conversation.