You’ve built a career on trust, integrity, and doing what’s right for your clients. But as the industry continues to evolve, you may be questioning whether your current structure still gives you the…
The Simplified Path to Independence
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Insurance Services
Offer your clients complete
protection — without
compromising your model
Insurance and fixed products are a critical part of any complete financial plan — but most RIAs either avoid them entirely or refer them out. SimplyRIA gives you two distinct paths to add insurance capabilities to your practice, whether you're commission-based or fee-only.
Commission-based branch
Access traditional annuities, MYGAs, and life insurance products on a commission basis through our branch structure — no additional licensing requirements beyond what you already hold.
RIA fee-based
Offer insurance and fixed products on a fee-basis — maintaining your fiduciary, fee-only status while still delivering the protection and guaranteed income solutions your clients need.
$0
Additional licensing required to get started
2
Structures — commission branch or fee-based RIA
Clients retire without guaranteed income solutions — leaving them exposed to sequence-of-returns risk
Advisors refer insurance business out and lose the client relationship to a specialist
Fee-only advisors assume they can't offer insurance without compromising their fiduciary model
Significant revenue from annuities and life insurance goes to other providers unnecessarily
The problem
Most advisors are leaving client needs — and revenue — unaddressed
Insurance and fixed products are among the most impactful tools in a financial plan — but fee-only advisors often avoid them entirely. Here's why that's a problem for your clients and your practice.
The SimplyRIA solution
Add insurance capabilities without changing how you operate
Two structures, one partner — so you can serve clients completely regardless of your compensation model.
Keep your fee-only status with RIA fee-based insurance products
Earn commissions through the branch model if that fits your practice
Keep client relationships in-house — no more referring out and losing business
Access to annuities, MYGAs, and life insurance across multiple carriers
Choose your structure
Two ways to add insurance to your practice
Your compensation model determines which path makes sense — and SimplyRIA supports both.
Commission-based
Insurance Branch
Earn traditional commissions on annuities, MYGAs, and life insurance through our established branch structure
Our branch structure gives you access to a broad shelf of insurance and fixed products on a commission basis. You write business under our umbrella with full compliance support — no need to set up your own insurance entity.
How it works
Access to annuities, MYGAs, and life insurance across multiple carriers
Earn traditional commissions on placed business
Compliance oversight and case design support provided
No separate insurance entity setup required
Available Products
Annuities
MYGAs
Life Insurance
Best for
Advisors who have existing insurance licenses and want to earn commissions, or those transitioning from a broker-dealer model
RIA fee-based · Fiduciary-compatible
Fee-Based Insurance
Offer insurance products as a fee-based service — maintaining your fiduciary, fee-only status throughout
Fee-based insurance is a growing model that allows RIAs to recommend and implement annuities, MYGAs, and life insurance products while remaining fee-only. Commissions are either waived, rebated, or offset against your advisory fee.
How it works
Recommend insurance products as part of a holistic, fee-based plan
Commissions waived or rebated — advisory fee covers the service
Maintains your fiduciary standard and fee-only positioning
Carrier access for fee-friendly annuity and life products
Available Products
Fee-based Annuities
Fee-based MYGAs
Fee-based Life Insurance
Best for
Fee-only RIAs who want to offer insurance without changing their compensation model or fiduciary obligations
Why SimplyRIA
One partner for your entire insurance practice
We built our insurance solutions specifically for independent advisors — not as an afterthought, but as a core part of what complete advisory support looks like.
Both structures under one roof
You don't have to choose between commission and fee-based forever. Our platform supports both models simultaneously — giving you flexibility as your practice and client base evolve.
Case design & compliance support
Insurance cases can be complex. Our team provides case design assistance, carrier comparison, and compliance review so you can present confident recommendations to clients without doing it alone.
Multi-carrier access
We're not tied to a single carrier or product shelf. You get access to products across multiple insurance companies — so you can find the best fit for each client's specific situation and risk profile.
Integrated with your RIA operations
Insurance through SimplyRIA connects directly to your compliance and practice management infrastructure — not a separate system you have to manage independently. One relationship, fully integrated.
Keep your client relationships
Stop referring insurance business out to other professionals. With SimplyRIA, you stay the primary advisor for every aspect of your client's financial life — including protection and guaranteed income planning.
Expand your revenue — without adding overhead
Insurance and fixed products represent a significant revenue opportunity for independent advisors. Our model lets you capture that revenue through an existing relationship rather than building a separate operation.
Products
Three product categories, both structures
Annuities, MYGAs, and life insurance are available through both the commission branch and fee-based RIA model — giving you flexibility to serve every client's situation.
Annuities
Guaranteed income and growth solutions for clients who need certainty in retirement
Fixed
Indexed
Variable
Commission branch
Traditional annuity products from a broad carrier shelf — fixed, fixed-indexed, and variable annuities available on a commission basis with full case design and compliance support.
Fixed annuities for guaranteed growth
Indexed annuities with downside protection
Income riders for guaranteed lifetime withdrawals
Tax-deferred accumulation
RIA fee-based
No-load and low-load annuity products designed for fee-based advisors — no surrender charges, reduced internal costs, and transparent fee structures that align with your fiduciary model.
No-load annuity products
Advisory fee offsets commission structure
Lower internal costs vs commission products
Fiduciary-compatible documentation
MYGAs
Multi-Year Guaranteed Annuities — the insurance equivalent of a CD with tax-deferred growth
2-10 Year Terms
Fixed rate
Commission branch
MYGAs offer clients a fixed, guaranteed interest rate for a set term — typically 2 to 10 years — with tax-deferred growth and often higher rates than comparable CDs or treasuries.
Competitive fixed rates for 2–10 year terms
Tax-deferred accumulation — no annual 1099
Principal protection — no market risk
Ideal for near-retirement conservative capital
RIA fee-based
Fee-based MYGA products provide the same guaranteed rate and tax-deferred benefits with a fee-friendly structure — commissions waived in exchange for slightly adjusted rates that still compete favorably in the market.
Commission-free MYGA options available
Transparent, advisor-charged fee model
Competitive rates vs commission-based equivalents
Aligns with fee-only ADV disclosures
Life Insurance
Income protection, estate planning, and business continuity solutions for your clients
Term
Whole
Universal
IUL
Commission branch
Access to term, whole life, universal life, and indexed universal life products across multiple carriers — with case design support for complex estate planning and business succession situations.
Term life for income replacement and debt coverage
Whole and universal life for estate planning
IUL for tax-advantaged accumulation strategies
Business succession and key person coverage
RIA fee-based
No-commission life insurance products allow fee-only advisors to implement coverage recommendations without conflicts of interest — the same products, structured for a fee-based engagement model.
No-load life insurance products available
Flat-fee implementation for coverage analysis
Eliminates commission-driven product selection bias
Full fiduciary documentation and disclosure