01
Advisor introduction
Introduce us the way that fits your practice: email, phone, or a joint call.
Insurance implementation for fee-only advisors
Insurance placement for clients of fee-only advisors.
You identify the need inside the plan. We shop the market, handle underwriting, and keep you informed through delivery.
50+independent carriers
6coverage lines placed
No cost to advisors. We are paid standard carrier commissions.
No upselling. We implement the plan's recommendation.
Six steps from introduction to policy delivery.
Choose how involved you want to be. We handle the carrier work and send updates at each milestone.
02
Clarify the coverage need
We confirm the request and match it to the right coverage path.
03
Market search
As an independent broker, we compare carriers for fit, underwriting, and pricing.
04
Clear options
Plain-language trade-offs: what each option covers, costs, and leaves out.
05
Implementation
We handle applications, underwriting follow-up, and policy delivery.
06
Ongoing service
We stay available for reviews, renewals, and claims.
Caleb Dupae
Founder, licensed insurance producer
Who your clients will work with.
I'm Caleb Dupae. I started Aligned Path after a fee-only advisor asked where he could send a client for term coverage without turning a planning recommendation into a sales call.
Referrals come to me directly: quoting, underwriting follow-up, and policy delivery, with updates back to you at each step.
Trusted by advisors who need insurance implemented carefully.
“Caleb has been a tremendous relationship to our firm for a while now. We operate in the fee-only financial planning space, but so many of our clients still need quality term-life and disability insurance. Until working with Caleb, we didn't have a solution for one of our largest pain-points. We now have a trusted relationship that we can refer folks to who we know won't aim to upsell or change the policy recommendations for his own gain.”
“Caleb does a great job with my clients. I am always 100% confident he's finding the best value for my Term and Disability needs and is never cross-selling or up-selling them into permanent insurance or other bad products. He's the easy button for implementing my fiduciary recommendations.”
“As a CFP®, I trust Caleb to handle my clients’ life and disability insurance needs with the utmost professionalism. His clear communication, deep expertise, and responsiveness make the process seamless for both me and my clients. Knowing my clients are in great hands allows me to focus on their broader financial plans with confidence.”
The major insurance lines your clients ask about.
From simple term coverage to complex household and business risk.
Life insurance
Term, whole, and universal life sized from the plan's income replacement need.
Read the guideDisability insurance
Individual DI with own-occupation definitions and underwriting guidance.
Read the guideLong-term care
Traditional and hybrid LTC built around retirement income and family care.
Read the guideHome and auto
Reviews that catch gaps in dwelling limits, liability, and UM/UIM.
Read the guideUmbrella insurance
Liability protection once assets outgrow base home and auto limits.
Read the guideBusiness coverage
GL, BOP, E&O, cyber, workers' comp, and key person for business owners.
Read the guideWhat advisors usually want to know first.
How is Aligned Path different from a traditional insurance agent?
We're independent rather than tied to one carrier. We compare available carriers for fit, underwriting, and price, and we built the process around referrals from fee-only advisors.
Do you work directly with the client or through the advisor?
Both. Some advisors hand off after a warm intro; others stay involved throughout. Either way, we keep you informed.
What does it cost the advisor to work with you?
There is no separate fee to the advisor or client. If a policy is placed, the carrier pays Aligned Path a standard commission.
What types of insurance do you handle?
Life (term, whole, universal), disability, long-term care, home, auto, umbrella, and commercial lines: GL, E&O, cyber, workers' comp, and key person.
Can you review a client's existing coverage?
Yes, often the best place to start. We review what they have, flag any gaps, and share recommendations. No obligation to change anything.
What if I don't have a financial advisor?
We can still help with insurance directly. For broader planning, we recommend working with a fee-only fiduciary advisor. Our guide to finding one covers the directories we trust, including NAPFA, the XY Planning Network, the Garrett Planning Network, FeeOnlyNetwork, and the Advice-Only Network.
Talk through your firm's referral process.
Tell Caleb how your practice handles insurance today. He'll show you where Aligned Path could take work off your plate.