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Advisor introduction
Introduce us 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.
We place life, disability, long-term care, and property coverage for your clients: no sales pressure, no product pushing, no relationship risk.
- Independent across 50+ carriers
- No client poaching
- No upsell pressure
- Advisor stays central
Most brokers vs Aligned Path
Built to protect the advisor relationship.
We handle the insurance work without turning your client into a sales opportunity.
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 and report back at the moments that matter.
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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.
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Implementation
We handle applications, underwriting follow-up, and policy delivery.
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Ongoing service
We stay available for reviews, renewals, and claims.
Coverage breadth
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 matched to the plan, not a commission.
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 guideAdvisors we work with
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.”
Common questions
What advisors usually want to know first.
How is Aligned Path different from a traditional insurance agent?
Most agents are captive: one carrier, paid on what they sell. We're independent, shop across carriers for what fits, and work only with fee-only advisors, so the process holds to the standard a fiduciary practice expects.
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?
Nothing. We're paid standard carrier commissions, and we shop for what fits the client, not what pays us most.
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.
Build a cleaner insurance referral process.
Tell us how your practice handles insurance today. We'll help you decide where Aligned Path fits.