About 123 Life Insurance
123 Life Insurance provides advanced insurance planning for high-net-worth and ultra-high-net-worth families and closely held business owners—particularly when assets are concentrated, illiquid, or tied to a business or real estate.
Our work is designed to support three primary objectives:
  • Estate liquidity
  • Tax-efficient wealth transfer
  • Business succession and continuity
We coordinate with clients’ CPAs, estate counsel, and lending partners (as applicable) to support integrated execution.
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Our Mission
To deliver faith-led, integrity-first guidance and structure-first planning—so families can create liquidity and certainty without forced asset sales or last-minute decisions
Our work is centered on three outcomes:
Estate liquidity for concentrated or illiquid balance sheets
Tax-efficient wealth transfer coordinated with counsel
Business succession and continuity for closely held enterprises
Who We Serve
We typically work with:
  • Families with $10M+ net worth (or a reasonably expected future net worth at that level)
  • Business owners planning for a liquidity event, succession, or partner transition
  • Families with concentrated real estate, private investments, or closely held enterprises
  • Advisors and professional teams seeking coordinated implementation
If you’re seeking basic coverage quotes or price-only comparisons, we may not be the right fit.
What Makes Us Different
Independent, structure-first design
We design the planning structure first, then select the carrier and policy architecture that best supports the objective.
Private-client execution
Discreet, high-touch process built for complex balance sheets and multi-advisor environments.
Clear, objective communication
We translate complexity into decision points—benefits, risks, trade-offs, and assumptions—so you can move forward with confidence.
Ongoing oversight
Advanced strategies require monitoring. We provide periodic review as markets, rates, and family circumstances evolve.
Meet Michael W. Mandarino
Michael W. Mandarino is the Founder of 123 Life Insurance. A United States Military Academy at West Point graduate and U.S. Army veteran, Michael brings military-rooted discipline, integrity, and service to private-client planning and long-term legacy work.
Michael is known for translating complex strategies into clear decision points and coordinating implementation with CPAs, estate counsel, and lending partners when appropriate.
Request a Private Discussion
If you represent a family or closely held business with $10M+ in net worth (or a significant upcoming liquidity event), we invite you to request a confidential introductory conversation to determine fit.
  • Phone: 866-971-6221
Educational purposes only. Not tax, legal, or investment advice. Insurance products are subject to underwriting approval. Product availability varies by state.