Yes! You just figured out what F.A.I.R. stands for!
We are the Financial Advisor's Insurance Resource because we are here to support all advisors whose clients may need to evaluate or obtain insurance products.
Are you a financial advisor? Then we are here for you! If you are a consumer please know that we will work alongside your primary financial advisor to serve you as a team.
WHY do financial advisors work with us?
1) We are insurance experts, specializing in 3 insurance types, not a wide range of financial products
We know the nuances that makes each product and company different, and we have the contacts to figure out complex underwriting before the final recommendation.
2) We aren't securities licensed. We aren't P&C licensed. We aren't mortgage licensed.
We won't infringe on your non-insurance planning. Can you imagine creating a plan and then letting your client talk to someone about insurance who also wants to discuss their portfolio, or their mortgage, or their health insurance or their home & auto insurance? We would never. That's not our business.
3) We will game plan with you behind the scenes. Imagine all the work that goes into a recommendation fully explored before presenting to a client. You look polished, and we are proud to stand behind you.
4) We will review existing insurance and help you understand how it works, what it does well and what holes it might have. This is an important part of planning.
5) We are on your team! Your clients get a team of experts to help give them financial security.
HOW do we work with advisors?
We have 3 methods of high level service:
1) Brokerage General Agency relationship - You sell to your client, and make commissions. We provide you 3 dozen companies and all of their products.
2) Referral Partner - for Fee-Only Financial Advisors who do not sell nor accept commission compensation.
3) Joint Work - For advisors who would like to sell insurance products but prefer to have a partner to work with side-by-side. We split all the work and everything else that goes into it.