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Working with M&O Life by Design

Our dedicated team ensures agents have the tools and knowledge needed to effectively serve their clients.

Contact our team

We pride ourselves in securing business relationships with only the best insurance carriers in the independent channel.

your values are our values

Community

Respect

Disicpline

Relationships

The M&O Life By Design team values personalized support, ensuring each financial professional receives tailored guidance for their clients’ unique life insurance needs. We prioritize ongoing education, keeping our agents informed on industry changes and product innovations. Collaboration and integrity are at the heart of what we do, helping professionals build lasting client relationships with trust and transparency.

redefining the culture

Generational Planners of America

You can’t go back to day one in your life and make a brand new beginning
BUT … you can start now and create a brand new ending.

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creating • wealth • opportunities

Elevate Your Practice with M&O Life by Design

Our dedicated Life By Design team comprises experienced professionals passionate about supporting independent financial advisors. Each member brings a wealth of knowledge in life insurance, ensuring agents receive expert guidance tailored to their needs. We believe in collaboration and are committed to fostering strong relationships to help you succeed. Together, we strive to elevate your practice and enhance your ability to serve clients effectively.

meet the life by design team

Let our team help you deliver unmatched value to your clients, while streamlining your process for success.
meet the team

Meet Our team

Norm Bald

Director Of Life Operations

learn about norm

Bryan Hill

Life Sales Consultant

learn about Bryan

Tom Young

Life marketer

learn about Tom

The benefits of working with us

Training support

Working with Life by Design, the training support provided is comprehensive and designed to ensure agents have the tools they need to succeed. From the moment you join, you receive in-depth onboarding that covers everything from product knowledge to the company’s sales strategies.

Product & Design Support

We offer a wide range of customizable insurance products, and our design team is always ready to assist agents in crafting personalized plans that meet the unique needs of each individual or family.

Training Meetings

Training meetings are an integral part of the support system, designed to keep agents informed, motivated, and well-equipped to succeed. These meetings are held regularly and cover a variety of topics, from deep dives into new product offerings to effective sales strategies and best practices for client engagement.

Producer Mentoring Group

The mentoring process is tailored to each agent’s unique goals, offering practical advice on building client relationships, mastering sales techniques, and navigating the challenges of the insurance industry.

Our exclusive relationships

We pride ourselves in securing business relationships with only the best insurance carriers in the independent channel.

Norm Bald

Director Of Life Operations

Joining the company in 2020, Norm Bald, Director of Life Operations, combines his expert knowledge, industry experience and personal experience to lead his team helping financial professionals integrate life insurance solutions into their practice.

After years as a financial advisor, Norm transitioned to the other side of the industry, embarking on a 15-year career with one of the nation’s leading life insurance brokerage firms. During this time, he worked with financial professionals from major wirehouses and regional banks, while also overseeing more than 50 registered reps as the designated principal for the office’s broker/dealer. When the pandemic led to the brokerage firm’s closure following the owner’s retirement, Norm’s extensive expertise didn’t go unnoticed. Before retiring, the owner introduced Norm to his friend, Dennis Brown, owner of M&O Marketing. The very next Monday, Norm joined M&O Marketing as the Director of the Life Department.

Norm Bald’s passion for the industry goes far beyond money or success—it’s deeply personal. When he was 12, his father passed away unexpectedly, teaching him firsthand the importance of life insurance—and the devastating impact of not having it. With expertise spanning life insurance, securities, annuities, and banking products, Norm takes a comprehensive approach to helping clients, ensuring they make the best decisions for their unique needs. He understands how each product complements the other and views life insurance as a valuable solution, but not the only one. Over the past five years, Norm and his team have transformed M&O Marketing’s Life Division into a fully independent and operational Life Insurance Desk.

Norm’s greatest passion is his family. He and his wife Valentina have two sons, Blake and Austin. Outside of family time, Norm loves spending time outdoors, particularly up north in Michigan, and is an avid vegetable gardener, with a special love for growing pumpkins. Known for his harvest, he hosts an annual pumpkin carving party for his extended family the week before Halloween.

Bryan Hill

Life Sales Consultant

For more than half a decade, Bryan Hill has been a key contributor to the growth of M&O Marketing’s Life Sales Division, helping financial professionals discover well-rounded solutions that benefit both themselves and their clients.

Before joining M&O Marketing, Bryan’s career began in the fast-paced world of sports and entertainment. As a Michigan native, he spent over five years working with notable teams like the Grand Rapids Griffins and the Detroit Pistons after graduating from college. However, after getting married, Bryan realized the demands of the entertainment industry were not compatible with his desire to grow his family. It was then that he bet on himself by changing careers to work in the insurance industry, joining M&O Marketing in late 2018.

Until this point, the company had primarily operated as an annuity-focused firm. Bryan and his team worked diligently to establish and expand a fully independent Life Sales Desk. Today, Bryan assists dozens of financial professionals daily through blending his customer-facing sales expertise with in-depth product knowledge. His success is rooted in cultivating personal relationships with each professional. While Bryan values integrity and a strong work ethic, he recognizes that his success is driven by the compassion and genuine connections he forms with those he serves. Without that personal touch, grit alone wouldn’t be enough to carry him as far as he has come.

Making this career change allowed Bryan the freedom to build his family. Together, he and his wife Paige have two young boys, Nolan and Brooks. Living in Michigan, they enjoy being outdoors and taking advantage of the beautiful lakes and views surrounding their cottage in the Upper Peninsula.

Tom Young

Life Marketer

Helping Financial Professionals Build and Scale Their Business Through Integrity, Innovative Solutions, and Partnership

With over five decades of hands-on experience in the financial services industry, I’ve had the privilege of partnering with insurance agents, financial advisors, Medicare agents, and investment professionals to help them elevate their businesses and serve their clients’ needs more effectively.

Throughout my career, I’ve built a reputation for trust, ethics, and mutual success, constantly striving to unlock new growth opportunities for those I work with. My approach is rooted in a deep understanding of the challenges financial professionals face today, and the tools they need to stay ahead in an ever-evolving industry.

What I bring to the table:
• Five Decades of Experience: Leveraging insights from investment and insurance best practices to create strategies that work in today’s market.
• Integrity & Ethics: Always acting with honesty and transparency, creating strong, long-term relationships that drive success.
• Business Growth Focus: Developing innovative solutions that empower advisors and agents to attract new clients, retain loyal ones, and expand their book of business.
• Dedicated Advisor Support: Providing tailored solutions that help financial professionals overcome obstacles, achieve their clients’ goals, and foster a prosperous future.

Let’s unlock your business’s true potential together.

Opportunities pass by quickly in our industry—are you aware of all the avenues you could be tapping into? Let’s talk and explore how we can grow your business, enhance your client offerings, and drive long-term success.

Contact

Training support. Product & Design Support. Training Meetings. Producer Mentoring Group. Generational Planners of America.

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