Serving the Complex Insurance Needs of High Net Worth 
Individuals, Families, and Their Businesses for Over 100 Years

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NFP Insurance Solutions is an independent insurance advisory firm specializing in risk management and life insurance solutions for the high net worth community.

We work with clients and their advisors to craft custom insurance solutions to help grow and preserve their wealth. We have earned a reputation within the advisor community as one of the best resources to structure large, complicated insurance transactions.


Our knowledgeable team of professionals have strong backgrounds in estate planning, public accounting, advanced case design, and advanced underwriting. We are able to blend disciplines together to better communicate with advisors and their clients. Our independence and experience allows us to effectively leverage and personalize complex solutions that can help ensure our clients leave a legacy that lasts for generations.


Our advanced planning team maintains a broad knowledge of the life insurance product landscape. Our planning specialists work closely in collaboration with our insurance advisors to identify and implement sophisticated insurance-based estate, business, charitable, and retirement planning concepts and strategies. We believe it is important to ensure that every case design is constructed with the client’s best interest in mind. 


Underwriting is the critical component on how cases are priced. Our large footprint offers us the ability to negotiate with carriers and we are committed to consult with experts on behalf of our clients. Additionally, our expertise in underwriting allows us to look at each client’s health and financial situation individually to get the best rating possible. 


We have a robust service platform that allows us to maintain and service clients and advisors post sale. Based on a client’s situation we will review inforce illustrations on an annual basis to help ensure that their policies are performing as expected.


Our team of premier specialists work in concert with our clients and their advisors to create custom insurance, benefit and business planning insurance portfolios to help preserve their wealth.

Howard E. Sharfman
Senior Managing Director
John Irvin
Managing Director
Guy Zomick, J.D.
Managing Director
Larry Lubin
Managing Director
Nathan S. Hobaugh, CLU, ChFC
Director of Variable Products
Warren McGuire
Managing Director
Ferne L. Landman, CLU
Director of Operations
Narra Megli, CFA, CFP®
Senior Manager, Case Design and Products
Adam Lubrano
Manager, Products, Case Design and Service
Gwendolyn Daniel
Senior Underwriter
Sam Griffin
Marketing Coordinator
Joyce Sizemore
Executive Assistant
Roger Brooks, Managing Director
Melissa Vandenbark
Executive Assistant
Howard E. Sharfman, Senior Managing Director

Check the background of this firm on FINRA's BrokerCheck.

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Insurance services provided by SBSI, Inc.

Securities may be offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment Advisory Services may be offered through Kestra Advisory Services, LLC (Kestra AS). NFP Insurance Solutions is a marketing name and platform used by affiliated and nonaffiliated companies, including but not limited to SBSI, Inc., using the services of NFP Insurance Services, Inc. (NFPISI), a subsidiary of NFP Corp.  PartnersFinancial is a division of NFPISI. Kestra IS and Kestra AS are not affiliated with SBSI, Inc. or NFP Corp. Kestra IS, Kestra AS, and NFP Corp. and its subsidiaries do not provide tax or legal advice and are not Certified Public Accounting (CPA) firms. Not all professionals listed on this site are licensed to offer securities or Investment Advisory Services. Investor Disclosures 

This site is published for residents of the United States only. Registered Representatives of Kestra IS and Investment Advisor Representatives of Kestra AS may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all of the products and services referenced on this site are available in every state and through every representative or advisor listed. For additional information, please contact our Compliance Department at 844-553-7872.