The insurance and Medicare implementation you don't offer
You manage the portfolio and keep the relationship. We handle the life, annuity-income, long-term-care, and Medicare pieces — without ever touching the assets.
You manage the portfolio and own the relationship. But the plan sometimes calls for a life policy, a guaranteed-income layer, or Medicare guidance you don't offer — and for fee-only advisors, often can't offer. We're the implementation partner who handles that protection piece and hands the client right back to you, with the assets and the relationship untouched.
When advisors refer to us
The situations where we complement what you do:
- A client's plan calls for life insurance — term or permanent — but you don't sell it and have no one to implement it.
- A client wants a predictable income floor for essential expenses that a market portfolio alone can't reliably promise.
- A client is approaching 65 or retiring, with Medicare enrollment, plan-selection, or income-surcharge questions outside your investment scope.
- A married client faces a survivor-income gap — if one spouse dies, the survivor's income falls below what the portfolio can sustainably replace.
- A client is weighing long-term-care exposure and considering LTC or hybrid life/LTC coverage.
- A client is holding old life, annuity, or LTC policies that haven't been reviewed in years and may no longer fit.
What your client gets
We're the protection and implementation specialist that complements your investment management. We shop the independent market across multiple states to place life, annuity/guaranteed-income, and LTC or hybrid coverage; provide education-first, no-pressure Medicare guidance; and review existing in-force policies. The client gets specialist execution without ever leaving you — you keep the plan and the relationship, and we handle the mechanics.
How the partnership works
- No cost to refer. We're compensated only when a client chooses to put coverage in place, in the standard insurance manner — never by you, and never from your clients' managed assets.
- You keep the client and the assets. We implement the protection piece and step back.
- We report back, so the coverage stays integrated with your overall plan.
- Same no-pressure approach you'd insist on for your own clients.
Clean lanes for fiduciary advisors
We're insurance-licensed and stay there: we provide insurance and Medicare guidance, not investment, tax, or legal advice. We never become the client's "advisor" or take over the relationship — we complement it. For fee-only and RIA advisors especially, that separation matters, which is why nothing about a referral involves fee-sharing or compensation flowing to you. (Any product guarantees we help place are backed by the issuing insurer, not by us.)
In short
- We implement the life, annuity-income, LTC, and Medicare pieces you don't offer.
- You keep the relationship and the assets — we don't manage investments or solicit AUM.
- No cost to refer, and no compensation flows to you.
- We report back so coverage stays integrated with your plan.
- Insurance and Medicare guidance only — never investment advice.
Perle & Co. is an independent insurance brokerage. We do not provide investment, tax, or legal advice and do not manage assets. There is no cost to refer and no shared compensation. Product guarantees are subject to the claims-paying ability of the issuing insurer. Last reviewed: June 2026.