A protection partner for your estate planning clients
Great documents can't replace lost income, create estate liquidity, or solve a Medicare deadline. When a client's plan needs the protection piece handled, we handle it — and send your client back to you.
You build the plan. The documents are sound. But a will, a trust, and a power of attorney can't, by themselves, replace the income a surviving spouse loses, create the liquidity an estate needs, or solve a client's Medicare deadline. When a client's plan needs the protection piece actually put in place, that's where we come in — and when we're done, your client comes right back to you.
When a referral makes sense
These are the moments in your practice where an insurance or protection conversation is the missing piece:
- A married client's plan reveals that if one spouse dies first, the survivor would lose a pension or a Social Security check — an income gap the documents alone can't close.
- You're drafting an irrevocable life insurance trust and it needs an actual policy placed and structured to fund it.
- An estate holds illiquid assets — a home, a business, a farm — and the family will need cash for settlement costs or debts without a forced sale.
- A client wants to leave assets fairly among several children, but the assets aren't easily divided, so liquidity is needed to equalize the inheritance.
- A client's long-term-care exposure threatens to consume the very estate the plan is meant to preserve.
- A client is approaching 65 and facing Medicare timing and penalty decisions that sit outside legal advice.
- You spot beneficiary designations that override the will or trust and would defeat the client's intent if left unreviewed.
What your client gets
Your client gets plain-English guidance that turns a planning gap into clear, comparable options — education first, no pressure. We help them actually implement the protection piece (placing the right coverage, coordinating with your documents, sorting Medicare and Social Security timing) so the plan works in practice, not just on paper. And they get someone who answers the phone as life changes — the same standard of care you give them yourself.
How it works for you
It's deliberately simple, and it's built to protect your standing:
- No cost, and nothing changes hands. You simply connect the client. There is no referral fee, no commission share, no "thank-you" — by design.
- You keep the relationship. We don't draft documents, interpret trusts, or give legal advice. That stays with you.
- We coordinate and report back. You'll know what was discussed and what was put in place, so the plan stays aligned.
- No pressure on your client. If protection isn't needed, that's the answer they get.
Insurance guidance, not legal advice
We stay firmly in our lane. We don't practice law, and we never ask you to do anything that complicates your professional responsibilities. The relationship is a straightforward working collaboration — not a fee arrangement of any kind — so it stays clean under your rules of professional conduct. Your client is served more completely, and your name is the one they remember for getting them the right help.
In short
- We handle the income, liquidity, care-cost, and Medicare pieces a plan can't solve on paper.
- There's no cost to refer, and nothing changes hands.
- Your client stays your client — we send them back to you for anything legal.
- We coordinate with you and report back, so the plan stays aligned.
- Education first, never pressure.
Perle & Co. is an independent insurance brokerage. We provide insurance and Medicare guidance — not tax or legal advice. There is no referral fee or shared compensation of any kind. Last reviewed: June 2026.