01
Advisor introduction
You make the introduction in the way that fits your practice: email, phone, or a joint call.
Insurance implementation for fee-only advisors
Insurance implementation that keeps advisors at the center.
Aligned Path helps fiduciary planners handle client insurance needs without sales pressure, product pushing, or losing control of the relationship.
- Independent across 50+ carriers
- No client poaching
- No upsell pressure
- Advisor stays central
Most brokers vs Aligned Path
Built to protect the advisor relationship.
Advisors need an insurance partner who can execute cleanly without turning a referral into a sales event. That operating model shapes every handoff.
Most insurance brokers
Aligned Path
May compete for the relationship or market beyond the original need.
Supports the planning relationship and keeps the advisor central.
Leads with product, commission, or a narrow carrier shelf.
Starts with the client's plan, then shops coverage that fits the planning objective.
Creates sales pressure that can make referrals feel risky.
Uses a consultative implementation process with no pressure to buy.
Leaves the advisor guessing once the client is handed off.
Keeps you informed through quoting, underwriting, delivery, and ongoing service.
Most brokers
May compete for the relationship or market beyond the original need.
Aligned Path
Supports the planning relationship and keeps the advisor central.
Most brokers
Leads with product, commission, or a narrow carrier shelf.
Aligned Path
Starts with the client's plan, then shops coverage that fits the planning objective.
Most brokers
Creates sales pressure that can make referrals feel risky.
Aligned Path
Uses a consultative implementation process with no pressure to buy.
Most brokers
Leaves the advisor guessing once the client is handed off.
Aligned Path
Keeps you informed through quoting, underwriting, delivery, and ongoing service.
How referrals are handled
A deliberate process, not a handoff into a black box.
We plug into your workflow, keep the client experience clear, and report back at the moments that matter.
02
Clarify the coverage need
We confirm the request, gather relevant policy context, and match the need to the right coverage path.
03
Market search
As an independent broker, we compare carriers for fit, underwriting, pricing, and policy structure.
04
Clear options
You and the client see plain-language trade-offs: what each option covers, costs, and leaves out.
05
Implementation
We handle applications, underwriting follow-up, policy delivery, and the details that slow clients down.
06
Ongoing service
We stay available for reviews, renewals, claims questions, and future planning needs.
Coverage breadth
The major insurance lines your clients ask about.
From straightforward term coverage to complex household or business risk, the goal is the same: implementation that fits the planning conversation.
Life insurance
Term, whole, and universal life matched to the financial plan, not to a commission schedule.
Read the guideDisability insurance
Individual DI with own-occupation definitions, riders, and underwriting guidance for high-income clients.
Read the guideLong-term care
Traditional and hybrid LTC options built around retirement income, portfolio protection, and family care needs.
Read the guideHome and auto
Coverage reviews that catch gaps in dwelling limits, liability layers, UM/UIM, and household risk.
Read the guideUmbrella insurance
Liability protection for clients whose financial lives have outgrown their base home and auto coverage.
Read the guideBusiness coverage
GL, BOP, E&O, cyber, workers' comp, and key person coverage for business-owner clients.
Read the guideAdvisor proof
Trusted by advisors who need insurance implemented carefully.
Ben Gibson
Fee-Only Financial Advisor
“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.”
Freeman Linde
Financial Planner
“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.”
Michael T. Swartz, CFP®, PDC
Swartz Financial Planning
“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.”
Common questions
What advisors usually want to know first.
How is Aligned Path different from a traditional insurance agent?
Most traditional agents are captive, meaning they sell products from one carrier and earn commissions based on what they sell. We're independent. We shop across carriers to find what actually fits. And because we work specifically with fee-only advisors, we understand the fiduciary mindset and how to operate within it.
Do you work directly with the client or through the advisor?
Both, depending on what works best. Some advisors prefer a warm introduction and then step back. Others want to stay closely involved throughout the process. We adapt to your preference and keep you informed either way.
What does it cost the advisor to work with you?
Nothing. There's no fee to the advisor. We're compensated through standard carrier commissions, same as any broker. The difference is we shop the market for what fits the client, not for what pays us the most.
What types of insurance do you handle?
Life insurance (term, whole, universal), individual disability, long-term care (traditional and hybrid), home, auto, umbrella, and commercial lines including general liability, E&O, cyber, workers' comp, and key person coverage.
Can you review a client's existing coverage?
Yes, and it's often the best place to start. We'll look at what they have, identify any gaps, and share our recommendations. There's no obligation to change anything unless it actually makes sense to.
Build a cleaner insurance referral process.
Tell us how your practice handles insurance today. We'll help you decide where Aligned Path fits.