When advisors go independent, they gain freedom over investment management but most lose access to the insurance product shelf. Life insurance, annuities, long-term care — these represent meaningful revenue and genuine client need, yet most independent RIAs either don’t offer them or refer them out. Insurance distribution requires an IMO relationship, carrier appointments, and product-specific training that most RIAs don’t have bandwidth to manage. Through the right partnership, independent advisors get full product access — annuities, life, LTC, disability — without managing carrier relationships or paperwork themselves. Your clients will need these products. The question is whether they buy them through you or through someone else.
