A trusted insurance resource for your clients.

Perle & Co. works with attorneys, CPAs, financial advisors, senior-service professionals, home care providers, and related professionals who need a steady insurance resource for Medicare, retirement income protection, long-term care planning, life insurance, and Social Security timing questions. When you refer someone, we keep the conversation plain-English, educational, and respectful of the professional relationship you already have with your client. We can help identify the right starting point and explain compensation clearly before any next step.

For Professionals

Give your clients a trusted place to start when insurance, Medicare, care costs, or retirement protection questions come up.

Perle & Co. helps clients understand Medicare, survivor income concerns, long-term care planning, life insurance, safe income options, and Social Security timing — with a patient, education-first approach.

Schedule a Partner Conversation Referral Fit Check

Who we work with

Which professional category best describes you?

Whether you're an attorney, CPA, financial advisor, or senior-service professional — your clients are having conversations we can help continue.

Estate Planning Attorneys

When estate planning conversations reveal concerns about a surviving spouse, beneficiary planning, life insurance, long-term care, or Medicare transitions.

See how we help

CPAs & Tax Professionals

When tax, income, or retirement conversations reveal Medicare IRMAA concerns, Social Security timing questions, retirement income changes, or insurance planning gaps.

See how we help

Financial Advisors

When planning conversations reveal insurance implementation needs, Medicare questions, care-cost risk, survivor income concerns, or safe income options.

See how we help

Senior-Service Professionals

When clients or families need help understanding Medicare, care costs, aging-related decisions, coverage questions, or where to start.

See how we help

Home Care & Senior Living Professionals

When families are navigating care needs, coverage questions, planning concerns, or financial protection decisions they don't know how to start.

See how we help

Not sure it's a fit?

A 20-minute conversation is the fastest way to find out whether a referral relationship makes sense for your practice.

Schedule a Partner Conversation

When to refer

A referral may make sense when a client says something like:

I'm turning 65 and I keep getting Medicare mail."

I'm retiring soon and I'm not sure what happens with my health coverage."

I'm already on Medicare, but I don't know if my plan still fits."

What happens financially if one of us dies first?"

How would we pay for care if one of us needed help at home or in a facility?"

Should I keep this life insurance policy?"

Is there a safer place for part of my retirement income?"

When should I file for Social Security?"

My spouse handles the insurance and finances, and I'm worried I wouldn't know what to do."

My parent needs help, and I don't know where to start."

If a client is facing one of these questions, Perle & Co. can help them understand the insurance and protection side of the decision — so you can stay focused on yours.

What we handle

What Perle & Co. helps with

Medicare — enrollment, plan selection, annual review, transitions

Survivor income — what income continues and what stops

Long-term care — planning, cost, insurance options

Life insurance in retirement — review, right-size, or replace

Safe income — fixed annuities, MYGAs, income floors

Social Security timing — individual and spousal/survivor benefit analysis

The process

What happens after a referral

Referrals should feel safe and easy. Here's what happens when you connect a client with Perle & Co.

Your client reaches out or you make an introduction

A warm introduction by email or phone works well. Your client can also book directly at perleandcompany.com/book and mention you sent them.

We meet with your client at no cost

Most initial conversations are free. We listen first, help them understand their situation, and explain what — if anything — makes sense to put in place.

Your client decides what to do next

No pressure. If they want to move forward with coverage or a plan, we help. If they don't, that's a fine outcome too. We never put coverage in place without clear client direction.

You stay focused on your work

We handle the insurance and protection side. We don't cross into legal, tax, or investment advice. Your client gets a clear answer on the insurance questions — without creating more work for you.

Let's connect

A 20-minute partner conversation covers most of what you need to know.

We'll explain who we help, how referrals work, and what your clients will experience — so you can refer with confidence.

Schedule a Partner Conversation See How We're Paid

Referral fit check

Should you refer this client?

Tick the client situations you’re seeing. We’ll show which ones are a clear fit to refer — then you can start a partner conversation.

A married client would lose income (a pension or Social Security) if one spouse dies first. An estate holds illiquid assets — a home, business, or farm — and the family will need cash for taxes, debts, or settlement. A client wants to divide an inheritance fairly among heirs, but the assets aren’t easily split. A client’s long-term-care exposure could consume their estate or savings. A client is approaching 65, or facing Medicare enrollment and penalty decisions. A client is retiring or leaving employer coverage and needs to time Medicare. A client wants part of their retirement income protected from market swings. A client needs life insurance placed, or a trust-owned or existing policy reviewed. Beneficiary designations may override the will or trust and defeat the client’s intent.

No referral fee — your client stays your client. Prefer to talk? Call 651.337.7000.