# Aligned Path Insurance Solutions

> Aligned Path Insurance Solutions is an independent insurance brokerage that works exclusively with fee-only financial advisors. It implements life, disability, long-term care, personal lines (home, auto, umbrella), annuity, and commercial coverage for advisors' clients, shopping across carriers for fit rather than commission, and never marketing to, cross-selling, or taking over the advisor's client relationship. Founded by Caleb Dupae.

## What makes Aligned Path different

- Works only with fee-only (fiduciary) financial advisors and operates inside that fiduciary mindset.
- Independent and non-captive: shops multiple carriers for what fits the client, not what pays the most.
- Costs the advisor and the advisor's firm nothing. Compensated through standard carrier commissions. A brokerage fee applies only to small, unusually complex commercial policies, and is disclosed up front.
- Never solicits, cross-sells, or pursues the planning relationship. The advisor stays central before and after a policy is placed.
- Places life, disability, long-term care, and annuity business only with carriers rated A- or better by AM Best.
- Will say plainly when no insurance, or no permanent insurance, is the right answer.

## Who it serves

- Fee-only and advice-only financial advisors (CFP® professionals, RIAs) who need insurance implemented for clients without handing them to a captive agent.
- The clients of those advisors, for life, disability, long-term care, annuity, personal lines, and commercial coverage.

## Coverage offered

- Life insurance (term, whole, universal)
- Disability income insurance
- Long-term care insurance (traditional and hybrid)
- Annuities
- Home, auto, renters, and umbrella (personal lines), including monoline umbrella
- Commercial lines: general liability, business owner's policy, professional liability and E&O, cyber, workers' compensation, key person, buy-sell funding

## Coverage area

- Life, disability, long-term care, and annuities: all 50 states and Washington DC.
- Home, auto, umbrella, and commercial lines: every state and Washington DC except Alaska, Florida, Hawaii, New Jersey, and New York.

## Key pages

- [Home](https://alignedpathinsurance.com/): What Aligned Path does: places life, disability, long-term care, property and casualty, and commercial coverage for the clients of fee-only financial advisors, without competing for the planning relationship.
- [For Advisors](https://alignedpathinsurance.com/for-advisors): How the advisor partnership works: what the advisor controls, how involved they choose to be, what it costs the firm (nothing), and how referred clients are handled. Includes an advisor FAQ.
- [About](https://alignedpathinsurance.com/about): Background on founder Caleb Dupae, why the practice was built for fee-only advisors, how it is resourced, and the operating rules that govern referred clients.
- [Carrier Standard](https://alignedpathinsurance.com/carriers): Which insurers Aligned Path places business through and which it will not. Life, disability, long-term care, and annuity business goes only to carriers rated A- or better by AM Best; the page names the lineup and the products that fall outside the standard.
- [Where We Work](https://alignedpathinsurance.com/where-we-work): State-by-state availability. Life, disability, long-term care, and annuities are available in all 50 states and Washington DC. Home, auto, umbrella, and commercial lines are not available in Alaska, Florida, Hawaii, New Jersey, or New York.
- [Contact](https://alignedpathinsurance.com/contact): Phone, email, and message form. Aligned Path works only with fee-only RIAs and fiduciary advisors, and the advisor's firm pays nothing.
- [Schedule a Call](https://alignedpathinsurance.com/schedule): Book a call, either an advisor conversation or a conversation for an already-referred client.
- [Resources](https://alignedpathinsurance.com/resources): Index of everything published for advisors: coverage guides, the underwriting fit preview, the carrier standard, the coverage map, the blog, and third-party advisor directories.
- [Insights and Guides](https://alignedpathinsurance.com/blog): Plain-language articles on coverage, suitability, and implementation for fee-only advisors and the families they serve.
- [Find a Fee-Only Financial Advisor](https://alignedpathinsurance.com/resources/find-an-advisor): For people who do not yet work with a planner: six public directories of fee-only fiduciary advisors, including NAPFA, XY Planning Network, and AdviceOnly. Aligned Path does not take these referrals itself.

## Coverage

- [Commercial Insurance](https://alignedpathinsurance.com/commercial-insurance): Coverage for the business-owner clients of fee-only advisors: general liability, professional liability and E&O, workers' compensation, cyber, key person, and buy-sell funding. The advisor earns no commission and keeps the relationship.

## Coverage guides and checklists

- [Guide Library](https://alignedpathinsurance.com/resources/guides): Index of the educational coverage guides and advisor checklists.
- [Life Insurance Guide](https://alignedpathinsurance.com/resources/guides/life-insurance): Keeping life insurance tied to income replacement: how much, term length, group coverage gaps, and when permanent coverage is and is not the answer.
- [Disability Insurance Guide](https://alignedpathinsurance.com/resources/guides/disability-insurance): Individual disability income insurance for advisors: group LTD gaps, own-occupation definitions, elimination and benefit periods, taxability, and the riders that matter.
- [Long-Term Care Insurance Guide](https://alignedpathinsurance.com/resources/guides/long-term-care-insurance): Framing long-term care as a retirement, family, and portfolio risk, then comparing traditional LTC, hybrid policies, and self-insuring for affluent clients.
- [Home and Auto Insurance Guide](https://alignedpathinsurance.com/resources/guides/home-auto-insurance): Reviewing household property and casualty coverage: dwelling limits, liability, UM/UIM protection, coverage gaps, and renewal triggers worth a re-check.
- [Umbrella Insurance Guide](https://alignedpathinsurance.com/resources/guides/umbrella-insurance): Personal umbrella liability: required underlying limits, common exclusions, and when a client needs coverage beyond home and auto.
- [Commercial Insurance Guide](https://alignedpathinsurance.com/resources/guides/commercial-insurance): Business coverage for advisors with business-owner clients: general liability, business owner's policies, E&O, cyber, workers' compensation, key person coverage, and buy-sell funding.
- [P&C Audit Checklist](https://alignedpathinsurance.com/resources/guides/pc-audit-checklist): A repeatable property and casualty audit an advisor can run on a client household: dwelling limits, UM/UIM, umbrella attachment points, valuables sub-limits, and re-check triggers.
- [High-Net-Worth Umbrella Checklist](https://alignedpathinsurance.com/resources/guides/high-net-worth-umbrella-checklist): Sizing umbrella coverage past the round-up rule, sourcing limits above $5 million, and catching the exclusions that surprise high-net-worth clients.

## Free advisor tools

- [Underwriting Fit Preview](https://alignedpathinsurance.com/tools/underwriting-fit): Free advisor tool. Answer ten questions about a client's health profile and see the realistic life insurance rate class range, which carriers to shop first, and what would improve the offer. Nothing entered leaves the browser and no client data is transmitted.

## Quote intake

- [Request a Quote](https://alignedpathinsurance.com/quotes): Entry point for all quote requests: life, disability, long-term care, annuity, home and auto, umbrella, or commercial. Either the advisor or the client can submit, and carriers are shopped for fit.
- [Request Several Coverages at Once](https://alignedpathinsurance.com/quotes/multiple): Combined intake for clients needing more than one line, so the same client details are entered once instead of per coverage type.
- [Disability Insurance Quote](https://alignedpathinsurance.com/quotes/disability-insurance): Intake for individual disability income coverage.
- [Long-Term Care Quote](https://alignedpathinsurance.com/quotes/long-term-care): Intake for traditional and hybrid long-term care coverage.
- [Annuity Quote](https://alignedpathinsurance.com/quotes/annuity): Intake for annuity illustrations and comparisons.
- [Home, Auto, and Umbrella Quote](https://alignedpathinsurance.com/quotes/personal-lines): Intake for personal lines. Clients can link an existing carrier through Canopy Connect so declarations and claims history are pulled automatically rather than gathered over email.
- [Commercial Insurance Quote](https://alignedpathinsurance.com/quotes/commercial): Intake for business coverage, including liability, property, and workers' compensation.

## Legal

- [Privacy Policy](https://alignedpathinsurance.com/privacy): How Aligned Path collects, uses, protects, and shares information from advisors and referred clients.

## Articles

- [The conversion clause inside a term life policy](https://alignedpathinsurance.com/blog/term-life-conversion-deadline): How term conversion works, which contract details control, and why the option belongs in a policy review before its deadline.
- [How long-term care insurance works](https://alignedpathinsurance.com/blog/how-long-term-care-insurance-works): A plain-English explainer of long-term care insurance: benefit triggers, the elimination period, daily versus monthly benefits, and inflation protection.
- [Why two healthy clients get different life insurance offers](https://alignedpathinsurance.com/blog/why-two-healthy-clients-get-different-life-insurance-offers): Why two healthy clients get different life insurance offers: how rate classes, underwriting, and carrier guidelines shape the premium a client is offered.
- [How individual disability income insurance works](https://alignedpathinsurance.com/blog/how-individual-disability-income-insurance-works): How individual disability income insurance works, including definitions, elimination periods, benefit periods, tax treatment, and group-plan gaps.
- [What homeowners insurance covers, and the gaps that matter](https://alignedpathinsurance.com/blog/what-homeowners-insurance-covers-and-the-gaps-that-matter): A plain-English breakdown of the standard HO-3 coverages, the named-peril versus open-peril split, and the exclusions and sub-limits clients assume away.
- [Buy-sell and key-person coverage: funding the moment an owner leaves](https://alignedpathinsurance.com/blog/buy-sell-key-person-coverage-business-owners): How buy-sell and key-person insurance fund an owner's exit, including agreement structures, disability funding, and Connelly.
- [How term life insurance works, and when it fits a plan](https://alignedpathinsurance.com/blog/how-term-life-insurance-works): How term life insurance works, including level periods, renewal, conversion provisions, and the time-limited planning needs it may fit.
- [The umbrella gap that grows with your client's net worth](https://alignedpathinsurance.com/blog/umbrella-gap-grows-with-net-worth): How to review a personal umbrella as net worth and household exposures change, including underlying limits and specialty markets.
- [Long-term care at 55: self-fund, insure, or hybrid](https://alignedpathinsurance.com/blog/long-term-care-at-55-self-fund-insure-or-hybrid): Long-term care planning at 55: compare self-funding, traditional coverage, and hybrids by the risk each keeps or transfers.
- [What group disability may leave uncovered for high earners](https://alignedpathinsurance.com/blog/group-disability-gap-high-earners): Review covered earnings, the monthly maximum, tax treatment, disability definition, and benefit period in a high earner's group plan.
- [Term or Permanent Life Insurance: Start With What the Plan Requires](https://alignedpathinsurance.com/blog/term-vs-permanent-life-insurance): Term or permanent life insurance? Let the plan define the need first, then match the product, weighing cost, timing, and suitability.

## Contact

- Phone: 608-386-8199
- Email: hello@alignedpathinsurance.com
- Website: https://alignedpathinsurance.com