(866) 942-4181
Since 2008, Advisor Insurance Resource® has worked exclusively with clients referred by fee-only financial advisors, attorneys and other fiduciary professionals. We evaluate, place and service life, disability, long-term care, annuity and property and casualty coverage for your clients, coordinated with the plan you have built and free of sales pressure.
You stay at the center of the relationship. We handle the insurance.
We work only with clients referred by advisors and other professionals. We do not offer investment management or financial planning, and we never cross-sell, so your client relationship stays yours.
Our recommendations start from the objectives you have set for the client, not from a product we want to sell.
With access to more than 100 insurance companies, we compare carriers side by side and show you and your client why one fits better than another.
Complex life insurance design, disability coverage for physicians, executives and business owners, long-term care planning led by a CLTC® designee, and high-value home, auto and liability coverage.
Fast turnaround, and an annual review email to you, the advisor, on each policy's anniversary, so coverage keeps pace as your client's life changes.
Introduce your client to us by email with them copied, or pass along our contact details. Share the planning objective and anything you already know about existing coverage.
We obtain your client's health history and other relevant details confidentially, safeguarding their protected health information.
Nearly 30 years and thousands of successful cases have given us deep experience with unique health histories. Using our proprietary case positioning process and long-standing relationships with carrier underwriters, we negotiate the most favorable outcome before an application is submitted, so your client receives the most competitive solution available.
A multi-carrier comparison, with our recommendation and the reasons behind it, sent to your client with you, the advisor, copied.
We handle the application, medical requirements and carrier follow-up, and keep you informed at each step.
Each year we send you, the advisor, an annual review email for the policy, not your client. We never cross-sell your clients.
Fee-only advisors hold themselves to a high standard of transparency, and so do we.
AIR is compensated by the insurance company when a policy is placed. There is no fee to you or your client for our analysis or service.
Your fee-only status is protected. We never pay referral fees or share compensation with advisors, so referring a client to AIR keeps your practice fee-only.
Advisors often ask whether we offer low-load products. Our honest answer is that “low-load” is a marketing phrase, not a product feature:
What protects your client is a full comparison of every structure across many carriers, which is how we evaluate every case.
Bob Gertie, CLTC®, has worked in financial services since 1996 and founded AIR in 2008. Debbie Gertie leads our property and casualty practice.
Bob is licensed in 48 states, and Debbie is licensed throughout most of the United States.
Bob has been featured in Financial Advisor Magazine and NAPFA Advisor Magazine and speaks regularly at NAPFA study groups, Financial Planning Association events and medical schools.
AIR is a NAPFA Resource Partner, and many members of XYPN, Garrett Planning Network and the Fee-Only Network refer their clients to us.
“I can't tell you how much I appreciate your responsiveness, expertise, and candor. THANK YOU!”
“You were excellent! I appreciate your attentiveness and communication at every step of the journey. I also appreciate that you reach out as the anniversary of each policy arrives. That's an extra step that I don't see anyone else doing and comes at a good time given people's lives (and insurance needs) change over time.”
“Thanks again for the wonderful service you provide to me and my clients.”
No. We never pay referral fees or share compensation, so referring clients to AIR keeps your practice fee-only.
Nothing beyond the policy premium. We are paid by the insurance company, not by you or your client.
Only with your go-ahead. Some advisors join every conversation; others prefer we work with the client and keep them informed. We follow your lead.
No. We focus solely on insurance, so we never compete with you for your client's assets or planning relationship.
Yes. We evaluate existing life, disability, long-term care and property and casualty policies and tell you plainly whether a change makes sense.
Bob Gertie is licensed in 48 states, and our property and casualty practice is licensed throughout most of the United States.
No one can offer genuine low-load term, disability or long-term care coverage, because those commissions are fixed by the carrier. For permanent life insurance, we compare every structure, including designs marketed as low-load, and recommend the one that serves the client best. Read our full explanation.
Whether you have a case in hand or want to see how we work before your next referral, we would welcome a call.
Advisor Insurance Resource®