One review.
Both sides of your life covered.
Most people have insurance — but no one has looked at all of it together. Personal policies here, business policies there, annuities from years ago. We connect you with licensed, independent insurance professionals who review your entire coverage landscape and place policies through the right carriers.
The Solution
One review. Complete picture.
No gaps.
Grounded Protection reviews your entire insurance landscape — business and personal — identifies coverage gaps, and places policies through independent carriers. No captive products. No conflicts.
Complete coverage audit
We review every policy you have — business and personal — and map it against your actual exposure. Most owners find 2-3 gaps they didn't know existed.
Independent placement
We work with multiple carriers, not just one. Your policies are placed based on fit, not commissions. No captive products, no hidden incentives.
Annual review built in
Your coverage is reviewed every year as your business and life change. No more set-it-and-forget-it policies that quietly become obsolete.
Also Included
Annuity review and placement.
Already have an annuity? We'll review it. Considering one? We'll help you evaluate whether it fits. Need to move one? We handle 1035 exchanges.
Existing annuity review
We analyze your current annuity contracts — fees, surrender schedules, riders, and whether the product still fits your goals.
New placement
If an annuity makes sense for your situation, we source contracts from multiple carriers and place the right fit — not the highest commission.
1035 exchange analysis
Thinking about replacing an existing annuity? We run a full comparison to determine if a tax-free 1035 exchange makes sense.
1035 Exchange Review
Tax-free replacement analysis
A 1035 exchange lets you replace an existing annuity with a new one without triggering a taxable event. But not every exchange makes sense — surrender charges, new surrender periods, and fee structures all matter.
We only recommend an exchange when the numbers clearly support it. If your current contract is working, we'll tell you.
What we analyze
- Surrender charges on current contract
- Fee comparison (old vs. new)
- Rider and benefit differences
- New surrender period impact
- Income projection comparison
How It Works
Three steps to complete coverage.
Coverage Audit
We collect all your current policies — business and personal — and map them against your actual exposure. Most reviews take 2-3 weeks and uncover 2-4 gaps.
Gap Analysis & Recommendations
You'll receive a clear report showing what's covered, what's not, and specific recommendations for closing gaps. No jargon, no pressure — just clarity.
Placement & Annual Review
If you choose to proceed, we place policies through independent carriers. Then we review your coverage every year to ensure it keeps pace with your life and business.
Coverage Areas
Personal. Business. Together.
Individuals & Families
- Life insurance (term, whole, universal)
- Disability insurance (income protection)
- Homeowners / renters coverage
- Auto insurance
- Personal umbrella liability
- Long-term care planning
- Annuity review and 1035 exchange analysis
Business Owners
- General liability
- Professional liability / E&O
- Commercial property
- Business interruption
- Cyber liability
- Workers' compensation
- Commercial auto
- Key person insurance
- Buy-sell agreement funding
Common Gaps We Find
The coverage you think you have — and the coverage you actually have.
These are the gaps that show up again and again when we review a client's full coverage landscape.
Personal umbrella doesn't extend to business activities
A lawsuit from your business could pierce through to personal assets.
Cyber policy exclusions that don't fit your industry
A breach could leave you exposed where you thought you were covered.
Key person insurance set years ago, now undervalued
The coverage amount no longer reflects the person's value to the business.
Buy-sell agreements not properly funded
Partners may not have the liquidity to execute when the time comes.
Disability covers personal income but not business overhead
If you can't work, the business expenses keep running.
Property coverage hasn't kept pace with inflation
Rebuilding costs may far exceed what your policy would pay.
Side By Side
Traditional Agent vs. Grounded Protection
| Feature | Traditional Agent | Grounded Protection |
|---|---|---|
| Independent carrier access | Often captive to one carrier | |
| Personal + business unified review | ||
| Annual coverage review | Only at renewal | |
| Annuity expertise & 1035 analysis | Varies by agent | |
| Documented gap analysis | ||
| Coordinated with financial plan |
Grounded One is a financial services technology company operated by Zero2M LLC. We are not an insurance company and do not employ licensed insurance representatives. Grounded Protection facilitates connections between users and independent, licensed insurance professionals who provide coverage reviews, recommendations, and policy placement. All insurance products are sold by licensed agents or brokers.
Coverage that keeps pace
with your life.
A short conversation is the simplest way to see whether a unified coverage review fits your situation.