Case design is the process of structuring an insurance or annuity recommendation to meet a clientTMs specific objectives, risk tolerance, and financial situation. It involves selecting product types, carriers, rider options, premium patterns, ownership structures, and funding strategies that align with retirement, estate, business, or protection goals. Good case design blends technical knowledge"tax rules, underwriting realities, and product mechanics"with clear, client-friendly explanations. In a BGA or advanced-sales context, case design often includes multiple alternatives and comparative illustrations to help advisors choose among competing strategies.

Advisors and BGA consultants collaborate on case design when working on complex situations such as premium financing, buy-sell funding, executive benefits, or blended accumulation and protection goals. They gather detailed fact-finding information, model scenarios with illustration software, and stress-test designs under different assumptions for returns, mortality, and policy expenses. Compliance reviews case design materials to ensure fair presentation and suitability. Understanding case design empowers advisors to move beyond product sales and deliver integrated insurance solutions tailored to each clientTMs objectives.