CoveredAdvisor Benefits Program

Welcome to the CoveredAdvisor Benefits Program — a comprehensive suite of resources tailored to support the success of independent financial professionals. Gain access to personalized coverage through our Disability Insurance Specialists, streamline HR and operations with Insperity’s full-service PEO solutions, unlock exclusive savings of up to $16,000 through our Affinity Program, and connect with top talent using FinancialCareers.org. Whether you’re protecting your income, managing your business, cutting costs, or growing your team, CoveredAdvisor equips you with the tools to thrive in today’s evolving financial services landscape. 

Disability Specialists – Protect What Matters Most 
Disability Specialists offers robust, customizable coverage tailored to independent financial professionals. Partner with specialists who understand your business and income structure. 

Advisor Benefits: 

  • Income Protection: 
    • Individual Disability Income: Up to $15,000/month 
    • Group Long-Term Disability: Up to $20,000/month (enhanced features) 
    • Short-Term Disability now available 
  • Life & AD&D Coverage: 
    • Up to $2,000,000 combined 
    • Includes spouse/domestic partner ($250,000) and dependents ($10,000) 
  • Supplemental Options: 
    • Critical Illness & Accident Insurance 
    • Retirement Security Insurance 
    • Business Overhead Expense Coverage 

Staff Benefits: 

  • Bundled Disability + Life Insurance 
    • Short- & Long-Term Disability 
    • $10,000 Critical Illness Benefit 
    • $50,000 Life + $50,000 AD&D 
    • Optional: Additional LTD up to $10,000 (with medical proof) 
  • Optional Life/AD&D Coverage 
    • Employee: Up to $250,000 
    • Spouse/Partner: Up to $125,000 
    • Children: $10,000 

Insperity – Big-Company HR Benefits for Small Firms 
Partner with Insperity, a trusted PEO* provider, to simplify your HR operations and employee benefits. 

Key Benefits: 

  • Comprehensive Employee Benefits: 
    • Medical, dental, and vision insurance 
    • 401(k) with flexible investment options 
    • FSAs & HSAs for tax-advantaged savings 
  • HR & Compliance Support: 
    • Payroll, taxes, onboarding, and recordkeeping 
    • Performance management tools 
    • Employment law compliance 

*Insperity is a Certified Professional Employer Organization (PEO) 

Affinity Program – Save More on What You Need Most 
Unlock exclusive discounts on essential tools and services that support your independent practice. As an FSI member, you can save up to $16,000 annually through CoveredAdvisor affinity offers. 

Discount Categories Include: 

  • Business Operations 
  • Continuing Education 
  • Insurance 
  • Marketing & Communications 

Explore current offers across categories designed to boost your efficiency and savings. 

FinancialCareers.org – Connect. Contribute. Grow. 
Your go-to platform for recruiting and career development in financial services. Whether you’re hiring or mentoring, FinancialCareers.org helps you build a stronger pipeline of talent. 

Employers Can: 

  • Post and promote jobs to targeted candidates 
  • Manage postings via a self-service portal 
  • Reach talent via email, e-newsletters, and matching technology 

Advisors Can Contribute: 

  • Resume and interview tips 
  • Compensation and benefits insights 
  • Career development resources 
  • Sample job descriptions