Real relationships.
Real results.

I’ve worked with Mahmoud (Michael) for over 15 years, and he handles everything for me, my life insurance, wealth management, personal coverage, and all the commercial insurance for my business. Having one person who knows my full picture, my business, my family, everything, means I never have to repeat myself or worry that something’s falling through the cracks.

What I value most is that when I call Polaris, I get Mahmoud (Michael). Not an account rep, not an assistant. He’s the owner and a CFP®, so I’m getting real expertise and real accountability every single time. That kind of relationship is hard to find, and I wouldn’t trust anyone else with it.

As both an educational tour operator and a real estate investor, my insurance needs are incredibly diverse and often complex.

Before partnering with Mahmoud (Michael) Arjomand at Polaris Risk Management, I was constantly challenged by the high cost of coverage for my needs. I felt I was paying far too much for my policies that didn’t fully address my risks.

Since Michael took over, I have really noticed a difference. Not only did he assist me in evaluating my existing coverage and identifying alternatives for my properties, but his responsiveness has significantly improved our daily operations. In my business, I frequently require evidence and certificates of insurance on short notice. Michael and his team now provide these quickly and accurately every time.

I now rely entirely on Michael’s deep expertise to navigate these requirements. He is more than just a broker; he is a true resource whose professional insight has helped streamline our processes and given me peace of mind. I cannot recommend his services highly enough.

Our firm has a straightforward standard: we expect the same caliber of professional liability coverage available to our largest competitors, and we expect our broker to pick up the phone. Michael Arjomand at Polaris Risk Management meets both requirements without compromise.

He provides access to the elite markets typically reserved for the global brokerage houses — but with the attentiveness and accountability that those firms simply don’t offer. The premium savings alone have been substantial. Beyond that, he streamlined our financial operations by consolidating coverage and financing in one place, eliminating the friction that comes with managing multiple vendors.

The trust he’s built with our firm speaks for itself: several of our partners have moved their personal planning and private insurance to Michael as well. When you’re dealing with legal liability, you need someone who understands the nuances — and Michael does. He is, without question, a trusted advisor rather than just a broker.

The financial world has many generalists. Michael Arjomand is not one of them. Managing a hedge fund requires specialists – people who operate at the highest level without hand-holding. Michael does exactly that.

His command of life insurance for ultra-high-net-worth individuals seems rare. He assisted us with evaluating life insurance considerations for ultra-high-net-worth individuals, helped coordinate complex underwriting, and worked with carriers to explore different policy structures. He also introduced premium-financing concepts that allowed us to thoughtfully balance capital use and liquidity considerations.

Where Michael truly distinguished himself was in estate planning. He became a core architect of our family’s long-term wealth structure – working with our legal and tax advisors in designing trust arrangements that house life insurance in a tax-efficient, generationally durable way.

The sophistication he brought to this work was evident in how effectively he engaged with complex legal and tax planning considerations. For anyone managing significant wealth who wants an advisor who genuinely understands complexity – Michael is the right call.