Partner with Liberty One Private Risk for RIA insurance solutions designed to support client relationships through specialized, carrier-agnostic guidance.
Your clients trust you with important financial decisions. When they need life insurance, disability coverage, long-term care planning, or annuities, insurance guidance may need to fit within the broader financial plan you already manage.
Liberty One Private Risk provides RIA insurance solutions for financial advisors and registered investment adviser (RIA) firms that prefer to refer insurance work to a specialist. We support the insurance planning process without replacing your role in the client relationship, helping you coordinate insurance needs while maintaining your role in the broader advisory relationship.
Schedule a partner call to learn how Liberty One Private Risk can manage the insurance process, from consultation through underwriting, while keeping you informed with the client’s consent.
Insurance can be an important part of a broader financial plan, and addressing it may require specialized expertise, carrier comparisons, and underwriting coordination. Liberty One Private Risk helps advisors manage that insurance work without requiring them to oversee the process directly.
Our team works with individuals, families, and business owners to evaluate insurance strategies based on each client’s needs and broader financial goals rather than a single carrier’s product lineup.
We believe insurance decisions should be clear, objective, and aligned with the broader financial plan you’ve already built with your client. Learn more about the professionals behind Liberty One Private Risk on our team page.
Every client situation is different. These examples illustrate specific historical outcomes from Liberty One Private Risk’s insurance planning work and are not guarantees of similar results.
Secured coverage for a client with a complex medical history, addressing an identified insurance need within the client's broader financial plan.
Secured coverage for a client with a complex medical history, addressing an identified insurance need within the client's broader financial plan.
Secured coverage for a client with a complex medical history, addressing an identified insurance need within the client's broader financial plan.
Secured coverage for a client with a complex medical history, addressing an identified insurance need within the client's broader financial plan.
Secured coverage for a client with a complex medical history, addressing an identified insurance need within the client's broader financial plan.
Secured coverage for a client with a complex medical history, addressing an identified insurance need within the client's broader financial plan.
Referring an insurance case can create additional coordination for your team, so our process is designed to be straightforward, transparent, and collaborative.
Introduce your client through our scheduling process, and Liberty One Private Risk manages the insurance process from there.
We evaluate their insurance needs within the context of their overall financial picture.
From applications to underwriting and the carrier's coverage decision, we coordinate the process directly with the client. With your client's permission, we share relevant non-medical conversation notes so you remain aligned without managing the case yourself. This structure allows your client to work with an insurance specialist while you stay informed and focused on the broader advisory relationship.
Our work spans multiple stages of a client’s financial journey. Rather than focusing on isolated insurance products, we evaluate coverage within the context of the client’s broader planning objectives.
Different stages of life can involve different insurance considerations. We support clients through:
Your path to success: navigating the future with precission
Mid-Life and peak earning years. Increasing or adjusting coverage for increasing liabilities (mortgage, education, and dependants. Reviewing disability coverage for high income earners.
Age Range: 35-50 years
Adjusting or converting policies as needs evolve. Long-term care planning. Bridging healthcare gap until Medicare eligibility.
Age Range: 50 – 65 years
Young professionals and early family life. Protect growing assets and income. Buy term, invest the difference.
Age Range: 25-35 years
Tailoring insurance to specific career needs and unique exposures. Entrepreneurs and business owners to evaluate stock redemption plan versus cross purchase plans.
Age Range: Custom
Medicare and supplemental insurance (Medigap or Advantage plans) to minimize potential out-of-pocket healthcare costs. Estate planning for tax efficiencies.
Age Range: 65+ years
A strong referral partnership should support your practice without adding unnecessary complexity.
When you work with Liberty One Private Risk, your clients receive dedicated insurance expertise while you continue managing the broader financial relationship. We believe collaboration helps keep insurance planning aligned with the financial plan you have developed with your client. Whether you’re supporting a young family, a business owner, or a retiree planning for legacy and long-term care, Liberty One Private Risk provides specialized insurance guidance that complements your planning process.
No. Our partnership is designed to support your existing relationship, not replace it. With your client’s consent, we share relevant non-medical conversation notes so you stay informed without having to manage the insurance case yourself.
An existing carrier relationship does not prevent Liberty One Private Risk from evaluating the client’s insurance needs. We’re carrier-agnostic, which means we evaluate options across multiple insurers and consider available solutions based on the client’s needs, rather than being limited to a single carrier.
Your role can be limited to making the introduction. We manage the insurance review, application, underwriting, and coordination through the carrier’s coverage decision while keeping communication clear and collaborative.
We help with life insurance, disability coverage, long-term care planning, annuities, business planning strategies, and insurance needs across multiple life stages.
Specific partnership terms, including any costs or compensation arrangements, are discussed directly with Liberty One Private Risk.
A financial health check may be useful once a year, with an additional review after a major life change such as a new job, windfall, birth, or retirement coming into view.
Give your clients access to specialized insurance guidance without adding unnecessary complexity to your practice.
Schedule a Partner Call to learn how Liberty One Private Risk can support your clients’ insurance needs while keeping you informed throughout the insurance process.
You can also explore our resources for additional insurance planning information.
