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.
For fee-only advisors
Insurance implementation for your clients.
You identify the planning need. We shop coverage, coordinate underwriting, and keep you informed through delivery.
Advice and implementation stay separate.
Your firm identifies the need inside the financial plan. Aligned Path handles quoting, underwriting, and delivery while keeping you informed. If a policy is placed, the carrier pays Aligned Path a standard commission. Your firm earns no insurance commission and pays no fee. Clients pay no separate shopping or placement fee.
The full compensation breakdown walks through where the money comes from, whether your client pays more for brokered coverage, and which conflicts this arrangement does not remove.
Five steps from introduction to ongoing review.
You choose your level of involvement and receive updates at the milestones that matter.
We work from the coverage question you introduce. We do not use that introduction to market unrelated coverage. If a separate need surfaces, we check with you and the client before discussing it. Planning questions stay with your firm.
Advisor introduces the client
Email, phone, or a joint call. Tell us the coverage question and how involved you want to stay.
We review the need and available coverage
We check existing policies when relevant, then compare carriers for the need you identified.
Client receives a written carrier comparison
We show coverage, cost and material tradeoffs, including assumptions and unresolved questions.
We handle the application and carrier follow-up
We coordinate paperwork, underwriting questions, and requested records, with updates to you at material milestones.
We confirm delivery and stay available
We review the issued terms with the client and remain available for policy service and future reviews.
Second opinions
Send us the policy your client already owns.
Some of the most useful work we do never produces a policy. An in-force contract sits in a client's file, a renewal notice looks wrong, or another agent is pushing a replacement, and you want a second set of eyes before deciding anything.
We review existing life, disability, long-term care, and personal-lines coverage and send back a plain-language read: what the contract actually does, what it costs to keep, and whether keeping it is the right call. When the honest answer is “this policy is fine,” that is the answer you get.
Request a policy reviewFor an existing life policy, see the review process and starting document checklist.
How a review works
- Agree on the question and gather the relevant policy documents
- Plain-language summary of what the policy actually does
- A clear keep, adjust, or replace call with the reasoning
- No contact with your client unless you invite it
Tools for the next client conversation
Check a planning question before making a referral. Each tool is free, requires no login, and keeps your answers in your browser.
Implementation across the lines your clients actually need.
Life, disability, long-term care, personal lines, and business coverage through one referral relationship.
Life insurance
Term, whole, and universal life, quoted against the need documented in the plan.
Read the guideDisability insurance
Individual DI layered over group LTD, with own-occupation definitions compared in writing.
Read the guideLong-term care
Traditional and hybrid LTC put side by side against a self-insuring plan.
Read the guideHome and auto
Declarations-page reviews that catch drifted dwelling limits, liability, and UM/UIM.
Read the guideUmbrella liability
Limits checked against the balance sheet and the underlying policies' attachment points.
Read the guideBusiness and commercial
GL, BOP, E&O, cyber, and workers' comp, coordinated with the key person and buy-sell coverage in the plan.
Read the guideNotes from fee-only advisors who have referred clients to us.
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.
Advisor questions
Who gets paid when I refer a client?
If a policy is placed, the carrier pays Aligned Path a standard commission. Your firm receives no insurance commission and pays no fee. Clients pay no separate shopping or placement fee. Carrier compensation is a conflict we manage through documented needs, carrier comparisons, and clear trade-offs; a review may end with no purchase.
How involved can I stay?
You can step back after the introduction, join client calls, or stay copied throughout. We send written updates during quoting, underwriting, delivery, and renewal, and contact you directly when something material changes.
What will you send back?
A comparison of the available options, with the coverage, cost, and material trade-offs in plain language. Message replies are usually the same business day. For quote requests and policy reviews, expect an initial response within two business days; completed work can depend on carrier responses and the documents available.
Which carriers do you place through?
Life, disability, long-term care, and group business goes only to carriers rated A- or better by AM Best. The published carrier standard explains the lineup and the exceptions for other product types. Availability varies by product, state, and case.
Do you place annuities?
Yes. On request, we compare fixed, fixed indexed, and immediate income annuities when one fits the plan. Availability, guarantees, costs, and tradeoffs depend on the product and state. Some designs may support long-term care funding. Aligned Path does not offer variable annuities.
Can we discuss a health profile before an application?
Yes. Start with an unnamed profile, including the circumstances of any prior decline, or use the Underwriting Fit Preview for an educational estimate. Where useful, we can ask a carrier for preliminary underwriting guidance before a formal application. Neither the preview nor that guidance establishes insurability or an offer; the carrier decides after its full review. With an applicant's authorization, MIB member insurers may report significant health or avocation information; MIB codes do not report an approval, denial, or rating decision.
Can you review an existing policy?
Yes. We agree on the review question and the documents needed, then explain what the current contract does, the costs and trade-offs of keeping or changing it, and when there is no reason to buy anything new.
Start with one case.
Send the situation, not a commitment. We'll tell you how we would handle it, and you decide from there.