Fee-Based Insurance Consulting Services
Sometimes you need insurance advice with zero sales pressure—just straight answers and real expertise. True North Associates offers fiduciary insurance consulting services, allowing clients to pay for unbiased advice whether or not they purchase a product. As an Adviser, Elizabeth Smith can legally offer guidance for a flat or hourly fee, ensuring every recommendation is based solely on your best interest. This means you get clarity, objectivity, and confidence in your decisions without the worry of hidden motives or commissions.
Unbiased Advice When You Need It
Our fee-based consulting model gives you access to expert insurance advice exactly when you need it. Whether you have a complex situation, want a second opinion, or simply prefer paying for expertise, you’ll get straightforward recommendations with no obligation to buy. We specialize in independent guidance—helping you navigate choices with full transparency, whether you’re reviewing current policies, exploring Medicare, or planning for retirement healthcare.
What We Offer in Consulting
Comprehensive Insurance Review
We’ll go over your existing insurance policies—life, health, Medicare, and more—to spot gaps, unnecessary coverage, or potential savings. No sales pitch, just an honest assessment.
Medicare or Health Plan Second Opinion
For clients who want an expert’s review of their Medicare or health plan selections, we offer plan comparisons and unbiased recommendations—even if you’re already working with another agent.
Retirement Healthcare Planning Session
We help project your healthcare costs in retirement, explain Medicare and long-term care options, and fit these into your broader financial strategy—especially valuable for those working with a financial planner who doesn’t specialize in insurance.
Hourly Advice & Education
Book a session just for Q&A. If you want answers about Medicare, life insurance, long-term care, or other insurance questions, you’ll get them—no strings attached, no product pitch.
How It Works
The process starts with a brief discovery call to understand your needs. You’ll receive a clear fee quote—either hourly or as a flat rate for a project (for example, a Medicare review session might be $X, agreed upfront). After your session, we provide written recommendations you can implement on your own or, if you wish, through True North Associates. Depending on our policy, if you decide to purchase a policy through us after consulting, your fee may be credited toward the purchase. Everything is designed for transparency and your peace of mind.
Who Benefits from Fee-Based Advice?
Fee-based consulting is perfect for anyone who wants an expert’s review with no sales agenda. It’s especially useful if you want to double-check a current agent’s recommendation, if you live in a state where we don’t sell insurance products but still want advice, or if you’re an adult child helping a parent make smart decisions. High-net-worth individuals and those who want a truly objective perspective often find this model invaluable. Our approach is all about empowering you to make informed choices.
Our Fiduciary Commitment
In every consulting engagement, your best interest comes first—always. With a fiduciary background and a strong ethical foundation, True North Associates delivers objective advice, not sales pitches. Every recommendation is tailored to your goals, risk tolerance, and situation. Whether you work with us for an hour or a year, our commitment to integrity and transparency never wavers.
Frequently Asked Questions
How much do consulting services cost?
We charge either an hourly rate or a flat project fee, always agreed upon in advance with no surprises. For example, a Medicare planning session might be $X, depending on complexity. You’ll know the price before we begin, and there are never any hidden charges.
Why would I pay for insurance advice when agents usually work on commission?
Paying for advice ensures truly unbiased guidance in complex situations, or when you want answers without any product sale. It’s like hiring a financial planner or attorney—you get specialized expertise with no pressure to buy.
If I buy a policy after consulting, do I still pay the fee?
Our standard policy is that the fee covers our time and expertise, regardless of any product purchase. In some cases, if you choose to implement through us, a portion of your consulting fee may be credited toward your policy. We’ll be clear about how it works before you commit.
Schedule a Consultation
Ready for advice with zero sales pressure? Book your fee-based advisory session with True North Associates today. You’ll get honest answers, practical recommendations, and peace of mind—no matter where you are in your insurance journey.
