Does Your Life insurance need a checkup?

Find out why 90% of polices LAPSE before paying off and what you can do about it!

The life insurance doctor helped secure over $15 million in cash and savings for clients in 2017.

Life insurance policies are difficult to understand and often contain hidden cash that insurance companies don’t want you to find. Learn how you or your clients can have more money NOW for vacations, charitable giving, caring for loved ones, and more.

Finance Life Insurance.

Spending more than $100k on premiums annually?

Using other peoples money you can borrow all the premiums and reduce your actual outlay by 60% + retain that money for your business or an investment.

Review Your Policy

Find extra money to fund your retirement, go on vacation, care for a loved one, and more!

Get a FREE no-obligation review of your life insurance policy.

The insurance Doctor

David Kottler is a national speaker, author, and entrepreneur who combines his legal and business experience to produce game changing results for clients by providing cash, cash savings, and tax savings through his portfolio rescue process.

He earned his law degree from Cleveland State University while helping his family build Decatur Foods, a successful food distribution business that was responsible for introducing numerous retail products to the Cleveland market, including Haagen-Dazs Ice Cream and Ben and Jerry’s. Decatur Foods ultimately achieved a 35 percent market share of ice cream sales in Northeast Ohio.

In 1995, David changed careers and became a financial planner, where he was able to pursue his lifelong goal of helping business owners and families effectively transfer wealth and make an impact through philanthropy. Today, through his company, The Life Insurance Doctor™, David leverages outside-the-box thinking to create game-changing results for his clients by using an innovative “True Value” life insurance review process that employs creative buy-and-sell techniques. Over the past few years he has generated millions of dollars in cash and tax benefits for his clients.

David’s main passion is philanthropy. He believes there is a great need for education and guidance for high net worth individuals who wish to align life goals with hard earned wealth. David’s objective is to collaborate with clients to produce the best financial and philanthropic results for them by enabling them to understand the “why” of planning.

He lives in Cleveland with his wife, Marcela, where they have raised a blended family of nine children and currently have five lovely grandchildren. He is an avid golfer which has been a life long passion.

Don’t take our word for it

What our clients have to say

“I wanted to let you know, I used Kottler for a very complex estate planning case and he was truly amazing. He is the best I have ever worked with, creative and great resources. Every client over 70 is an opportunity to sell an unnecessary policy or restructure stale plans.”

Gary Shamis, CPA, M. Acc. Senior Managing Director and Founder

SS&G, Inc. – CPAs and Advisers

“David has been a trusted advisor for the insurance and estate planning needs of our executives for the past two decades. We value his experience and knowledge. In the past several years, David has identified solutions with beneficial financial and tax planning results which we have utilized.”

Mark Wester, Senior VP and CFO

Waxman Industries, Inc.

“David Kottler is a passionate, genuine and caring person who would do almost anything to help another human in need of help that his skillset and abilities have allowed him to be able to do in this life When it comes to Jewish philanthropy and or the Hebrew word (tzedakah), I would recommend David.”

Jonathan Adam Leebow, Current board member with the Cleveland Hillel in Cleveland, Ohio and the corporate executive leadership committee with Hattie Larlham and co-owner of Majestic Steel USA, Inc.

Majestic Steel USA

“I have known David for over ten years. We have collaborated on various projects with an emphasis on helping local charities through advanced planning techniques. His education, as well as being an attorney and a seasoned businessman, helps make complicated matters easy to understand. I have seen David utilize his “outside the box” thinking to resolve a potential or existing problem for clients. In some cases, the client was not even aware they had a problem. I highly recommend him.”

Nobby Lewandowski – CPA, MBA, Philanthropist, Author, Speaker

“David’s unique ability is his honesty, integrity, and negotiating skills. I believe he is one of the best negotiators and also has the characteristics of determination and persistence. He gets things done and shows a great intelligence for the financial and insurance business.”

Mel Waxman, Business Owner and Philanthropist

“This is a wonderful, intelligent book that will show you how to make or save money with your life insurance-for life.”

Brian Tracy, Author – The Way to Wealth

President – BT International

Get the Book

Find Hidden Cash

Tell us a bit about yourself to help us identify if you could have hidden value within your policies and we’ll send you a free copy of our ebook.