123 Life Insurance

123 Life Insurance provides advanced insurance planning education for qualified $10M+ families and closely held business owners. We focus on estate liquidity, wealth transfer efficiency, and business succession continuity—often in coordination with clients’ CPAs, estate counsel, and lending partners (as applicable).

Led by Michael W. Mandarino (West Point graduate, U.S. Army veteran; 24+ years), this channel covers: leveraged life insurance (premium financing), estate liquidity frameworks for concentrated assets, succession/buy-sell funding, and ongoing monitoring considerations.

Educational purposes only. Not tax, legal, or investment advice. Premium financing involves borrowing and may require additional collateral; results are not guaranteed. Insurance products are subject to underwriting approval and state availability.
FL License P116816 • CA License 0F39919 • Licensed in multiple U.S. states.

"Jesus Christ is my Lord and Savior." – Luke 16:10