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Coverage footprint

Where we can actually place coverage.

An advisor told us recently that a third of their clients are in Utah and the rest are scattered across thirty states, one or two at a time. That describes most of the firms we work with. So here is the map, before you make an introduction and find out the hard way.

Aligned Path places life, disability, long-term care, and annuity coverage for the clients of fee-only advisors and RIAs in all 50 states and Washington DC. Home, auto, umbrella, and commercial lines are available in 45 states and Washington DC, everywhere except Alaska, Hawaii, Florida, New York, and New Jersey. Licensing follows the client, not the advisor, so an advisor in any state can refer a client who lives somewhere Aligned Path writes.

Homeowners, renters, auto, personal umbrella, and commercial lines. 45 states and Washington DC.

Not available in Alaska, Hawaii, Florida, New York, New Jersey. Alaska and Hawaii we have no carrier appetite for. Florida is a hard market and our access there is too thin to be useful. New York and New Jersey carry enough extra filing work that we have never built the volume to justify it.

Why the two lists differ

Why life is available everywhere and property is not.

Term and permanent life, individual disability income, traditional and hybrid long-term care, and annuities. A term life carrier underwrites the person rather than the place, files one product, and sells it more or less the same way in Boise as in Baltimore. There is no state-by-state appetite problem to work around, so there are no gaps on that side.

Home and auto work nothing like that. Rates get filed state by state, carrier appetite opens and closes by county, and a broker with no book in a state has little leverage with the carriers writing there. Our access is deepest in Utah and the mountain west. California has been reopening after several hard years, though it still depends on the carrier and the address. The open squares are the states where we would be guessing at a dwelling limit, and a bad quote is worse than none.

When the answer is no

If a client sits in one of the five and needs home or auto, you will hear that from us the same day rather than three weeks later. Life, disability, long-term care, and annuities stay open in those states. A policy review does too: send the declarations page and we will tell you whether the coverage they already have is reasonable, whoever wrote it.

Questions

The things advisors ask first.

What states does Aligned Path write insurance in?
Aligned Path places life, disability, long-term care, and annuity coverage in all 50 states and Washington DC. Home, auto, umbrella, and commercial lines are available in 45 states and Washington DC, everywhere except Alaska, Hawaii, Florida, New York, and New Jersey.
Can you handle an advisor whose clients are spread across many states?
Yes, and that is the normal case. Most of the firms we work with are virtual, so a book of 80 households can touch 25 states. You use the same referral process either way. The state only changes which carriers we can shop.
Why no property and casualty in Alaska, Hawaii, Florida, New York, and New Jersey?
Alaska and Hawaii we have no carrier appetite for. Florida is a hard market and our access there is too thin to be useful. New York and New Jersey carry enough extra filing work that we have never built the volume to justify it.
My client lives in a state you do not cover for home and auto. What are my options?
Send them anyway if the need is life, disability, long-term care, or an annuity, since those are open in every state. For home and auto in Alaska, Hawaii, Florida, New York, and New Jersey, we will say so the same day rather than sitting on it. If you want a second read on a declarations page they already have, we will still do that at no cost, and we do it often for advisors who just want to know whether a client is underinsured.
Do you need to be licensed in the client's state, or in mine?
The client's. Insurance is regulated where the risk sits, so a Utah advisor with a client in Ohio needs a broker who can write Ohio. Your own state does not enter into it.

Have a client in mind?

Start a quote and we will tell you in the first reply whether the state works.

Start a quoteHow referrals work