Disclosure

Last updated: August 2026

Fiduciary Underwriting Desk is a life insurance agency. Dave Chaney is a licensed life insurance agent, not an attorney, accountant, or tax advisor.

We are compensated by the insurance carriers whose products we place. There is no additional cost to the buyer for using our services. Our compensation is paid by the carrier as a standard commission or fee, consistent with industry practice.

We have access to more than 30 insurance carriers. We do not represent any single carrier exclusively. We shop the market to find the most competitive terms for each client's specific situation.

Nothing on this website constitutes legal, tax, or accounting advice. Estate planning, tax implications of life insurance, and trust structures should be reviewed by qualified legal and tax professionals. We work alongside your advisors but do not replace them.

The term "fiduciary" as used in our brand name refers to our commitment to representing the buyer's interests in the insurance transaction. It does not create a fiduciary relationship under securities law or ERISA. We are insurance agents, not investment advisors or fiduciaries under SEC or DOL definitions.

When you engage our services, we obtain appropriate HIPAA authorizations to gather and review medical records on your behalf. This information is handled in accordance with applicable privacy laws and carrier requirements.

If you have a complaint about our services, please contact us directly. You may also contact the state insurance department in the state where you reside.

We make no warranties regarding the accuracy of information on this website or the availability of specific insurance products. All policies are subject to carrier underwriting and approval.