Frequently Asked Questions
Common questions, clear answers.
We believe in transparency. Here are the questions we hear most often, answered directly.
General
Private Reserve is an insurance advisory service that helps individuals and families understand, organize, and optimize their insurance coverage. We treat insurance as capital infrastructure that must be designed and governed—not just accumulated.
Agents are typically compensated by carriers to sell products. We're compensated by you to think. Our incentive is to make your insurance efficient—not to add more of it. We provide planning, analysis, and governance. Implementation happens through licensed agents when needed.
No. We provide planning, analysis, and ongoing governance. If implementation is needed, we work with licensed agents or your existing relationships. Our fee is for the planning—not products.
We work best with individuals and families who have meaningful insurance in place but no strategy around it. Business owners, high-income professionals, and anyone who suspects they're overpaying or under-protected—but doesn't know where to start.
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