For Fee-Only Advisors and CPAs

We know how you feel about life insurance

It's an expensive, dishonest mess. We don't disagree.

But some of your clients have enough exposure to make it worthwhile. And they need a real answer. Because risk doesn't care about our feelings.

540+
Policy reviews
completed
73%
Cases concluded with no recommended action
50
States licensed
(E&O on every case)
12 days
Average time from referral to completed analysis
The Solution

Life insurance expertise. Zero trust required.

Every case comes back to you as a written analysis — the recommendation, what we rejected, and what we earn. You approve, decline, or ask to discuss. Nothing moves without you.

Portal timeline showing case progress from referral through analysis

"Most cases don't require a product — that's a market reality, and one that results in us doing a lot of free work. None of it matters if we can't count on our partners to take a real look at a dry, 10-page analysis on their least favorite topic. They do that because they take their fiduciary duty seriously. That's what makes this whole thing work."

Rikin Shah, Founder & CEO
The Cases

Here's what those cases look like.

Estate liquidity, old policies, buy-sell funding, disability gaps, long-term care. Each scenario links to the actual analysis we produced — including what we earned.

Estate liquidity gap

Client had a $12M estate with a projected federal tax liability and no liquid assets to cover it. We modeled the gap and compared insurance against gifting strategies and a line of credit.

Recommendation: Survivorship UL sized to estate tax liability. Approved by advisor.

Commission earned: $83,000
Read the Full Analysis
Unfunded buy-sell agreement

Three business partners had a signed buy-sell agreement with no funding mechanism. We started the analysis — then stopped, because the partners disagreed on the business value by $5M.

Recommendation: We told the advisor to pause until a formal valuation is done.

Commission earned: $0
Read the Full Analysis
Whole life dividend election

Client owned a whole life policy for 20+ years and wasn't sure whether to keep it, surrender it, or exchange it. We pulled the in-force illustration and modeled alternatives.

Recommendation: Retain policy. Change dividend option at no cost.

Commission earned: $0
Read the Full Analysis
Long-term care exposure

Client had $4M in investable assets and was considering a hybrid life/LTC product. We modeled the insurance cost against a self-insurance reserve.

Recommendation: Self-insure. No product recommended.

Commission earned: $0
Read the Full Analysis
Disability income gap

High-earning professional had group disability coverage that would replace less than 30% of income. We analyzed the gap and compared own-occupation vs. any-occupation definitions.

Recommendation: Individual DI policy placed to cover the gap.

Commission earned: $5,400
Read the Full Analysis
LTC hybrid second opinion

Advisor wanted a second opinion on a long-term care hybrid their client purchased years ago. We reviewed the contract terms, projected benefit payouts, and compared against current alternatives.

Recommendation: Retain as-is. The existing contract outperformed anything available today.

Commission earned: $0
Read the Full Analysis
Retirement income analysis

Client approaching retirement wanted to know if part of his portfolio should go into a guaranteed income annuity. We modeled three structures — fee-based SPIA, MYGA ladder, and commissioned FIA.

Recommendation: Fee-based annuity placed through advisor's existing platform.

Commission earned: $0
Read the Full Analysis
The Process

How It Works

From first contact to first referral, most partners are up and running within a week.

Becoming a Partner
1

Let us know you're interested

We'll reach out within one business day.

2

Have an intro call

We'll discuss your clients, your needs, and answer any questions you have about us.

Hi Joel, this is Rikin Shah from GetSure Advisors. Do you have 20 mins this week for an intro call?
Sure. Thursday at 2pm ET?
3

Get set up

Portal access, compliance, and a direct line to our team.

Partner Portal
Your Cases
+ Refer
Hartwell Family
Active
Park Family
Review
Referring a Case
4

You let us know the situation

Client name, what they have, what they're asking. We'll take it from there.

Client is 64, $750K Guardian whole life, wants to cash out. Can you review?
I'll reach out tomorrow. What's his number?
5

You tell your client to expect our call

We never reach out to your client without a green light from you.

Hi Ted - I've asked a firm I trust to take a look at your Guardian policy. They'll call you tomorrow with questions and then come back to us with a straight answer.
Sounds great, thanks.
6

We do the work

We talk to the client, pull the data from the carrier, model the alternatives, and write the analysis. Typically 1–3 weeks.

Analysis in Progress
Discovery call completed
Policy documents requested
Analysis in progress
Analysis delivered
7

You review and decide

The written analysis lands in your portal. You approve, decline, or request a call.

Transparency

What advisors want to know before referring

Compensation, compliance, and how we work — answered directly.

We're paid a commission by the carrier when a policy is placed — the same commission built into every insurance product on the market, whether the client buys through us, a bank, or anyone else. Your client pays the same price either way.

The conflict you're worried about is real in the industry, and it's why we built the portal the way we did: you see every recommendation, the alternatives we considered, and our reasoning before anything moves. If we're pushing a product that doesn't fit, you'll see it immediately — and you decline. 73% of our cases conclude with no recommended product — and we tell the client that directly.

Most of our partners say a version of: "Insurance is outside what I do, but it's a real part of your situation. I've vetted a firm that specializes in this and that I trust to give you a straight answer — including 'you don't need this.' I'll see their recommendation before you do, and I'll tell you what I think." We can provide suggested disclosure language for your ADV or engagement letter if helpful.

Insurance agents are held to a suitability and best-interest standard, not a fiduciary standard — that's true of every licensed agent in the country, and anyone who tells you otherwise is being loose with the word. What we can tell you is how we act: we recommend against a product more often than we recommend for one, we document our reasoning in writing, and we give you veto power before anything is presented to your client.

You decline it in the portal. Nothing moves. You can also request a discussion — we'll walk you through our reasoning, and if you're still not convinced, the case ends there. No pressure, no follow-up to the client behind your back. You'll see every communication we have with them.

Yes — a two-page agreement that covers confidentiality, your right to terminate at any time, our obligation to route all client communication through the portal, and confirmation that we don't pay referral fees (which would create securities-licensing complications for you). Read the full agreement here — your compliance team can review it in five minutes. We also provide suggested ADV disclosure language for your Form ADV Part 2A.

We hold appointments with 20+ life insurance carriers. For cases where a fee-based commission-free product is the right answer, we recommend the advisor place through their existing platform — we don't earn anything on those.

John HancockPrudentialPenn MutualMassMutualGuardianNew York LifePacific LifeLincoln FinancialSymetraProtectiveSecurianNationwideForestersMutual of OmahaTransamericaAIG / CorebridgeBrighthouseNorth AmericanNational LifeSBLI

GetSure is licensed in all 50 states and carries E&O coverage on every agent and on the agency ($1M per occurrence). Download our E&O certificate. You can verify our license status through NIPR.

Most cases go from referral to recommendation in 2–4 weeks. In-force policy reviews are usually faster (1–2 weeks). No drip campaigns, no "checking in" calls, no upsells. The client experiences one or two scheduled calls, a written analysis, and then a decision.

The relationship is yours. If you change firms, your cases and your portal access move with you — we'll update the agreement and keep going. If a client relocates, we're licensed everywhere, so nothing changes on our end.

Start Here

Ready when you are.

We'll walk through the process, answer your questions, and discuss which cases make sense to start with.

GS

Your Cases

Active cases, pending approvals, and case history

All Clients

Robert & Catherine Hartwell
Estate liquidity planning
Needs Approval
Referred Mar 15
Theodore Park
In-force review (Guardian whole life)
In Progress
Referred Apr 1
Andersen Family Trust
In-force policy review (MoneyGuard II)
Complete
Referred Feb 20