life Insurance Planning

Life Insurance Planning

World Class Advisors is pleased to make available a number of Life Specialists dedicated to working together with independent advisors. Adept at case design, presentations, and plan execution for affluent clients, these specialists offer advisors their specific expertise – which, in turn, allows the advisor the opportunity to incorporate the counsel of industry experts as part of their proposal, rather than trying to simply look the part of being the master of all. Success and experience teaches that we cannot do great things alone, and our specialists allow advisors to be positioned on the client’s side of the table as their trusted advisor.

Get Adobe Flash player



Mike KolaczMike Kolacz
Split Funded Pension Planning

Mike’s specialty is retirement plans for qualified professionals, and small business owners that want annual tax deductible contributions of over $100,000.

Mike was born and raised in Dallas, Texas and graduated high school from Lakeview Centennial in Garland, Texas. In 1982 he began his insurance career with a small Dallas health insurance company. He then became an independent agent and registered representative.  Mike also earned his financial planning certificate from Southern Methodist University.

Mike is licensed in 20 states and holds the Life, Health, Property & Casualty and Life Settlement licenses. His FINRA licenses include series 6, 7, 63 & 65. He is a Certified Estate Planner (CEP), Life Underwriter Training Council Fellow (LUTCF) and a Registered Financial Consultant (RFC). Mike has earned the National Quality Award and the National Sales Achievement Awards from NAIFA. He is also a Qualifying and Life Member of the Million Dollar Round Table, with 6 “Court of the Table” and 4 “Top of the Table” qualifications.  He is a member of the Financial Planning Association, Dallas Better Business Bureau, and Dallas Estate Planning Council.


Jeff FelicianoJeff Feliciano, CFP, CLU, CHFC
Estate Planning Specialist

With over 14 years-experience working with high net worth individuals, Jeff has built a business working with successful entrepreneurs and key executives. With his vast knowledge of comprehensive wealth management Jeff uses a holistic model to custom design estate plans for his clients. He is a member of the Financial Planning Association, National Association of Financial Advisors and the National Association of Life Underwriters. Jeff is a keynote speaker and regularly presents to advisors and their clients throughout the country.

“The objective of estate planning is to conserve and transfer your assets through a logical process that helps reduce legal entanglements and taxes while increasing the wealth transferred to your beneficiaries.”

Quick Tools


Medical Exam Prep

An insurance company medical exam confirms the applicant’s good health status, or if non-standard, helps determine the additional rating or coverage alterations. Most people feel some apprehension before any kind of exam and an insurance examination is no exception. The following suggestions will help present the best picture of your current health.

Medical Exam Prep (PDF; 110 KB)

2011 Federal Tax Limits

Life insurance is a tax advantaged asset due to the tax deferred accumulation of the cash values and the generally income tax free death benefit. Download the list of federal tax limits (reprinted on this page) that might be of value when profiling life insurance needs in 2011

2011 Tax Limits (PDF; 195 KB)