A1A Insurance Network, LLC
Financial security for the road ahead
Amelia Island / Fernandina Beach, Florida
Amelia Island / Fernandina Beach, Florida
Services and Fees
A Better Way to Buy Insurance and Annuities
Historically, insurance and annuity contracts were purchased from a commission-only salesperson, sometimes by an uncertain, reluctant, and skeptical client, who was more confused after signing the contract than he was before he bought it. There was that nagging feeling about whether the new contract was really needed or appropriate... or just a big commission for the agent.
Buying Insurance Should Not Be Painful.
We want our clients to be fully confident and receive clear, unbiased recommendations that are not clouded by undisclosed conflicts of interest, industry jargon, or confusing presentations.
Your Initial Consultation is Free.
Let us help with your risk management and retirement income needs, with an emphasis on avoiding or reducing commissions and cost reducing financial planning strategies.
If you already know what you need and are shopping for attractive rates,
consider our Free Quick Quote Concierge Service.
Historically, insurance and annuity contracts were purchased from a commission-only salesperson, sometimes by an uncertain, reluctant, and skeptical client, who was more confused after signing the contract than he was before he bought it. There was that nagging feeling about whether the new contract was really needed or appropriate... or just a big commission for the agent.
Buying Insurance Should Not Be Painful.
We want our clients to be fully confident and receive clear, unbiased recommendations that are not clouded by undisclosed conflicts of interest, industry jargon, or confusing presentations.
Your Initial Consultation is Free.
Let us help with your risk management and retirement income needs, with an emphasis on avoiding or reducing commissions and cost reducing financial planning strategies.
If you already know what you need and are shopping for attractive rates,
consider our Free Quick Quote Concierge Service.
Consulting Fees
In keeping with our no-cookie-cutter approach to financial planning, clients can choose how they wish to pay for our services. You can work with a CERTIFIED FINANCIAL PLANNER™ professional, based upon your specific risk management & financial planning needs. We're flexible!
Detailed descriptions of all services are shown below.
Contact Us for a complimentary Discovery Meeting in person, over the telephone, or Skype to see which of our services may be best for you.
In keeping with our no-cookie-cutter approach to financial planning, clients can choose how they wish to pay for our services. You can work with a CERTIFIED FINANCIAL PLANNER™ professional, based upon your specific risk management & financial planning needs. We're flexible!
| Service Option | Fees |
| Initial Planning Consultation | No Charge |
| Fee-Only | $50 - $1,000 |
| Fee-Based (Hybrid) | Above fees plus commission |
| Quick Quote Concierge Service | No cost or obligation |
| Hourly Rate | $250 |
Detailed descriptions of all services are shown below.
Contact Us for a complimentary Discovery Meeting in person, over the telephone, or Skype to see which of our services may be best for you.
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Fee-only Services:
The fee-only option is best suited for those clients who are seeking objective advice regarding their risk management needs and who prefer to separate the advice from the product sale.
These services are provided according to a flat fee negotiated between you and our CERTIFIED FINANCIAL PLANNER™ professional. Clients pay an initial 50% deposit for the agreed-upon planning & consulting work, with the balance payable upon completion of the written risk management plan and recommendations provided by the planner. The planning professional will evaluate and recommend specific types of insurance coverage or annuities for the client, who will then choose when, how and from whom he or she wishes to purchase the recommended coverage or contracts.
Click on each service in the table above to see detailed descriptions.
Contact Us to schedule your risk management review or policy checkup.
Fee-only Services:
The fee-only option is best suited for those clients who are seeking objective advice regarding their risk management needs and who prefer to separate the advice from the product sale.
These services are provided according to a flat fee negotiated between you and our CERTIFIED FINANCIAL PLANNER™ professional. Clients pay an initial 50% deposit for the agreed-upon planning & consulting work, with the balance payable upon completion of the written risk management plan and recommendations provided by the planner. The planning professional will evaluate and recommend specific types of insurance coverage or annuities for the client, who will then choose when, how and from whom he or she wishes to purchase the recommended coverage or contracts.
| Service Level | Planning Fees |
| Complimentary Planning Consultation Chat with a Certified Financial Planner™ professional about your specific financial needs or concerns. |
NO CHARGE |
| Comprehensive Risk Management Review * Thoroughly analyzes all of your insurable risk exposures and provides detailed strategies for filling any gaps. |
$350 - $1,000 |
| Specific Needs Analysis * Focuses on individual risk management components related to life insurance, disability income, long-term care, retirement income (annuities), or property & casualty coverage. |
$150 - $500 |
| Individual Policy Checkup * Recommended for owners of existing insurance & annuity contracts or anyone considering a new purchase. Get a second opinion and be sure before you commit. |
$50 - $100 |
Click on each service in the table above to see detailed descriptions.
Contact Us to schedule your risk management review or policy checkup.
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Fee-based Services:
For the client who seeks professional risk management advice and desires help with implementing plan recommendations, a fee-based approach may be a good fit. This option includes the fee-only planning and consulting services above, along with a convenient concierge service to help you locate and purchase the recommended insurance or annuity products. On your behalf, we will obtain pricing and coverage options from competing companies and assist you with the application & underwriting process.
Although the insurance industry is still largely driven by a commission-oriented sales structure, some annuity and cash-value life insurance products are available with low or no sales commissions and reduced internal fees. We will recommend these products whenever they are available and appropriate for our clients, as well as structuring insurance coverage in a manner that reduces the impact of sales charges and internal fees. When purchasing insurance or annuities from third party providers, clients may pay commissions to third party providers for some or all products in addition to our consulting fees.
Contact Us to schedule your risk management review or policy checkup.
Fee-based Services:
For the client who seeks professional risk management advice and desires help with implementing plan recommendations, a fee-based approach may be a good fit. This option includes the fee-only planning and consulting services above, along with a convenient concierge service to help you locate and purchase the recommended insurance or annuity products. On your behalf, we will obtain pricing and coverage options from competing companies and assist you with the application & underwriting process.
Although the insurance industry is still largely driven by a commission-oriented sales structure, some annuity and cash-value life insurance products are available with low or no sales commissions and reduced internal fees. We will recommend these products whenever they are available and appropriate for our clients, as well as structuring insurance coverage in a manner that reduces the impact of sales charges and internal fees. When purchasing insurance or annuities from third party providers, clients may pay commissions to third party providers for some or all products in addition to our consulting fees.
Contact Us to schedule your risk management review or policy checkup.
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Quick-Quote Concierge Service (Complimentary)
If you already know the type and amount of coverage you need, but you shudder at the thought of enduring countless telephone calls or in-home visits from a parade of commissioned sales agents, this service may be appropriate for you. At no cost or obligation, our concierge service will help you shop current rates and availability among a variety of insurance companies for quotes on:
Contact Us to receive a "quick-quote" on term life insurance, disability protection, or fixed annuity rates.
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Hourly Rate
You may choose to engage our consulting services at an hourly rate. This approach is recommended for special projects that fall outside typical risk management planning scenarios (e.g. expert witness for legal counsel, research projects, etc.). There is a one-hour minimum for all special projects, and the rate is pro-rated in quarter-hour increments for each partial hour beyond the minimum. The current hourly rate is $250.
Contact Us to discuss your special project needs.
Quick-Quote Concierge Service (Complimentary)
If you already know the type and amount of coverage you need, but you shudder at the thought of enduring countless telephone calls or in-home visits from a parade of commissioned sales agents, this service may be appropriate for you. At no cost or obligation, our concierge service will help you shop current rates and availability among a variety of insurance companies for quotes on:
- Life insurance
- Annuity Contracts
- Disability Insurance
- Individual Health Coverage
- Home & Auto
- Business Liability
- Errors and Omissions
Contact Us to receive a "quick-quote" on term life insurance, disability protection, or fixed annuity rates.
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Hourly Rate
You may choose to engage our consulting services at an hourly rate. This approach is recommended for special projects that fall outside typical risk management planning scenarios (e.g. expert witness for legal counsel, research projects, etc.). There is a one-hour minimum for all special projects, and the rate is pro-rated in quarter-hour increments for each partial hour beyond the minimum. The current hourly rate is $250.
Contact Us to discuss your special project needs.
Content copyright . A1A Insurance Network, LLC. All rights reserved.
(904) 746-4612 P.O. Box 834 Fernandina Beach, FL 32035-0834 info@A1Ainsurancenetwork.com
(904) 746-4612 P.O. Box 834 Fernandina Beach, FL 32035-0834 info@A1Ainsurancenetwork.com