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Coverage footprint

Where we can place coverage.

Life, disability, and long-term care are open in every state. Home, auto, umbrella, and commercial are not.

Aligned Path places life, disability, and long-term care 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. We check licensing and appointments for the coverage and locations involved in each case; an advisor in any state can refer a client who lives somewhere Aligned Path places coverage.

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

AlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutDistrict of ColumbiaDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming

Not available in Alaska, Hawaii, Florida, New York, New Jersey.

Why availability differs by coverage

Our brokerage-partner access supports life, disability, and long-term care placement in all 50 states and Washington DC. Products, carrier appetite, and underwriting still vary by state and case. Nationwide access does not mean that every carrier or policy is available to every applicant.

Our published home, auto, umbrella, and commercial footprint covers 45 states and Washington DC. Alaska, Hawaii, Florida, New York, and New Jersey are outside that published footprint. Within an included state, placement still depends on the carrier, location, and risk. Contact us if you want us to check whether access has changed for a specific request.

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When the answer is no

If a request falls outside the published footprint, we will say so in the first reply and can check whether access has changed before you gather more quote details. Life, disability, and long-term care stay open in those states. A review of existing declarations is still available at no separate charge.

The things advisors ask first.

What states does Aligned Path write insurance in?
Aligned Path places life, disability, and long-term care 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. Use the same referral process for clients in different states. We check the relevant state, coverage, and carrier access for each case. For businesses or households with several locations, include those locations in the request.
My client lives in a state you do not cover for home and auto. What are my options?
Life, disability, and long-term care placement access extends to all 50 states and Washington DC. Alaska, Hawaii, Florida, New York, and New Jersey are outside our published home and auto footprint. Contact us to check current access before gathering quote details. We can also review existing declarations at no separate charge.
Do you need to be licensed in the client's state, or in mine?
Generally the client’s, not yours. Coverage has to be placed by a producer licensed for the state where it is sold, usually where the client lives or where the property or business is located. Caleb holds a Texas resident license; where he is not licensed for the client’s state, placement runs through our brokerage partners’ appointed producers. Tell us the client’s residence and any other property or business locations so we can confirm the placement route.

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