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  • Hometown Calendar 
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  • About Us 

    Meet the Team

    Dave Downey
    Jane A. Hays
    Jay B. Downey
    Paul Donohue
    Staff

     
     
    •  We have decades of planning experience and in-depth knowledge of the latest products and techniques.
    • We are involved at the highest industry levels in legislative and regulatory issues that benefit our clients. 
    • We have invaluable credibility and leverage with insurance carriers.
    • We build long-term relationships with diverse individuals, foster communication, and facilitate problem solving.
    • We work as a team with your other advisors, and strive to be accessible to you in whatever format you prefer:  ranging from face-to-face meetings, to electronic, interactive communication.
    • We are sensitive to personal issues, as well as to technical ones, and strictly adhere to our clients’ desire for privacy and confidentiality.

    Click the links to the left to access biographical summaries for your review.

    Exclusive Products

    LIFE, LONG TERM CARE, AND DISABILITY INSURANCE POLICIES HAVE MANY DESIGN VARIABLES.  POLICIES FOR AFFLUENT INDIVIDUALS ARE NOT “OFF THE SHELF” COMMODITIES.

    Our service includes:

    Plan Analysis

    • We will analyze your existing insurance to evaluate its status, efficiency, and structure, and to identify potential issues or needed action.

    Plan Development

    • After your objectives are clearly formulated, we determine what policy designs, types, and funding plans best fit your objectives.

    Insurer Research and Comparison

    • We will compare policies available from multiple carriers to find the optimum policy characteristics, underwriting, and pricing for you.  We evaluate fundamental carrier strength, illustration credibility, carrier treatment of policyholders, and commitment to the upscale market, considering your specific situation, objectives, and risk tolerance.

    Underwriting Assistance and Negotiation

    • Because of our industry involvement and contacts, we can often obtain favorable underwriting, pricing, or other terms for our clients.  We coordinate underwriting to reduce the number of examinations and tests, control disclosure of financial information, and in appropriate cases, prevent exposure to the reinsurance market.

    Ongoing Policy Service

    • We help you monitor policies through personal meetings, analysis, and information such as annual inforce reports, imputed income, and compliance reminders.

    We have access to products and services not available to most life insurance advisors, which are designed especially for high net worth individuals.

    Our Story

    The Downey Group, Inc. provides high quality life insurance, long term care, disability programs, and related planning, for affluent individuals, families, and businesses. We work closely with you to accomplish a variety of wealth accumulation, preservation and transfer objectives. 

    • Our clients are private company owners, entrepreneurs, families, public companies, large professional, law, accounting and medical groups, charities, and executives.

    • We specialize in all aspects of wealth transfer, business succession, executive compensation, asset protection, and charitable gift planning. We offer cutting edge life insurance products specifically tailored to your needs, and responsive, high quality life insurance policy service.

    • We are an independent firm with a national practice and reputation. We are not tied to any one insurance carrier. We are a member of M Financial, a network of some of the finest independent investment and insurance firms in the United States. Through M, you have access to special products and services designed specifically for the needs of wealthy individuals and groups.

    Our process starts with helping you determine your goals, mission, and objectives. It is the essential beginning point from which all good planning proceeds.

    • We work as a team with your attorneys, tax and other advisors.

    • Our focus is helping you formulate comprehensive, thoughtful plans, of which life insurance is one component.

    Our people have decades of planning experience and in-depth knowledge of the latest products and techniques. It would be our pleasure to meet with you to discuss our services in more detail, and how we can benefit you. There is no obligation.

    We look forward to helping you address your goals.


  • Set an appointment with Paul 

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