“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.”
Independent insurance brokerage
Insurance placement for clients of fee-only advisors.
You identify the need inside the plan. We shop the market, handle underwriting, and keep you informed through delivery.
50+carriers across supported lines
7coverage lines placed
No cost to advisors. We are paid standard carrier commissions.
No upselling. We implement the plan's recommendation.
How a referral works
Insurance support that fits the way you work.
Start with a quote, an existing policy or a client introduction. The information, timing and next steps depend on the coverage and how you prefer to work.
Start with the planning question.
Request quotes for your own review, introduce your client by email, or arrange a joint call. Share the planning goal and any deadline. When you submit a request, Caleb waits for your go-ahead before contacting your client.
Start a quote requestUnderstand the options before deciding.
We review existing policies or compare available carriers, then explain the coverage, cost and tradeoffs. Life insurance may call for preliminary carrier feedback; disability quotes depend on occupation and income. Home and auto reviews start with policy details and renewal timing.
Sometimes the right next step is to keep what is already in place.
Request a policy reviewStay supported through the carrier work.
If your client decides to proceed, we coordinate the application, follow up on carrier requirements and confirm when coverage is in force. Choose to stay copied throughout or hear from us at key decisions and completion. We bring changes that affect the financial plan back to you and remain available for policy questions afterward.
Explore the advisor relationship
Caleb Dupae
Founder, licensed insurance producer
Who your clients will work with.
I'm Caleb Dupae. I started Aligned Path after a fee-only advisor asked where he could send a client for term coverage without turning a planning recommendation into a sales call.
Referrals come to me directly: quoting, underwriting follow-up, and policy delivery, with updates back to you at each step.
From advisors we work with.
“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.”
“As a CFP®, I trust Caleb to handle my clients’ life and disability insurance needs with the utmost professionalism. His clear communication, deep expertise, and responsiveness make the process seamless for both me and my clients. Knowing my clients are in great hands allows me to focus on their broader financial plans with confidence.”
Reviews on Google.
★★★★★ 5.0 average from 11 reviews on Google, as of September 2026.
★★★★★
“Working with Caleb was a great experience from start to finish. As new business partners, this was our first time setting up business partnership life insurance and disability insurance policies, and the process initially felt overwhelming. Caleb took the time to walk us through everything step by step, making sure we understood each part of the process.
When we made mistakes on the paperwork (more than once!), he was incredibly patient, explained exactly what needed to be corrected, and never made us feel rushed or embarrassed. He also collaborated directly with our financial planner, which made the entire process much smoother and ensured everyone was on the same page.
If you're looking for someone who is knowledgeable, responsive, patient, and genuinely invested in helping you make informed decisions, I highly recommend Caleb. We truly appreciated his guidance and support throughout the entire process.”
Kristy M., July 2026, via Google
★★★★★
“I can't say enough great things about working with Caleb! He is fast to respond, incredibly easy to communicate with, and always goes the extra mile. He brings great energy, professionalism, and genuine care to everything he does. Highly recommend!”
Jazz M., August 2026, via Google
★★★★★
“I've known Caleb for a while, and he's one of the most trustworthy and detail-oriented people I know. He genuinely cares about doing right by people, and that comes through in everything he does. If you're looking for someone who will actually take the time to understand your needs, Aligned Path Insurance Solutions is in great hands with him :)”
Chinaza, July 2026, via Google
★★★★★
“Caleb helped me out and was very professional and communicative. I highly recommend his services.”
Jack M., August 2026, via Google
★★★★★
“We love working with them, they are very responsive and extremely knowledgable. Can always trust them to go the extra mile!”
Jake M., July 2026, via Google
Before your first referral.
How is Aligned Path different from a traditional insurance agent?
We're independent rather than tied to one carrier. We compare available carriers for fit, underwriting, and price, and we built the process around referrals from fee-only advisors.
Do you work directly with the client or through the advisor?
Both. Some advisors hand off after a warm intro; others stay involved throughout. Either way, we keep you informed.
What does it cost the advisor to work with you?
The referring advisor pays no fee and earns no insurance commission. If a policy is placed, the carrier pays Aligned Path a standard commission. Clients pay no separate shopping or placement fee, except that an unusually labor-intensive small commercial policy may carry a brokerage fee disclosed in writing before work begins.
What types of insurance do you handle?
Life (term, whole, universal), disability, long-term care, home, auto, umbrella, and commercial lines: GL, BOP, E&O, cyber, workers' comp, and key person.
Can you review a client's existing coverage?
Yes, often the best place to start. We review what they have, flag any gaps, and share recommendations. No obligation to change anything.
What if I don't have a financial advisor?
We can still help with insurance directly. For broader planning, we recommend working with a fee-only fiduciary advisor. Our guide to finding one covers the directories we trust, including NAPFA, the XY Planning Network, the Garrett Planning Network, FeeOnlyNetwork, and the Advice-Only Network.
Talk through your firm's referral process.
Bring a current case or a question about how referrals would work at your firm.