Welcome to Lifetime Horizons


The mission of Lifetime Horizons is to help make the challenges of changing circumstances financially more comfortable and rewarding for individuals, families, businesses, and non-profits. We do this with:

  •  Resourceful Uses of Insurance for Lifecare, Philanthropy, and Asset Protection
  • Tax-Advantaged Opportunities for Charitable Giving, Wealth Replacement, and Income Strengthening
  • Strategies to Increase Endowments and Major Gifts



A Life Settlement may provide 3-5 times the cash surrender value. Investment, lifecare, debt reduction, retirement, or charity…it’s found money!

No one plans to be sick or in an accident, but planning for extended care is a gift to your loved ones and your own wellbeing. Keep or leverage, your money, but never lose it.  

Build endowments or living legacies while maintaining assets for heirs. These tax advantaged major gifts create a financial and gratifying win-win-win. 

Replacing income for your family or business needs often change. Leverage cash or appreciated assets into a policy for a major charitable gift.

We, Dr. Vincent DiLorenzo and Dr. Andrea Brockman are independent life settlement, life, and long-term care insurance producers who help our clients with resourceful and practical insurance options throughout their changing  life situations.

Whether insurance is needed, needs to be modified, or needs to be relinquished, the individual’s personal, business, trust, and philanthropic goals guide us in determining the most appropriate options for long term care, asset preservation, and legacy planning.