The financial services attached to hard moments are full of referral kickbacks. We built AFIP specifically so that model is not available to us.
Sentence timeline, household composition, income, property, existing coverage, and who holds legal authority to act. Usually coordinated with an existing Adversa Life Continuity engagement.
A plain-language summary of what is at risk, what the realistic options are, and what has to happen before the surrender date.
If any part of the plan involves AFIP's licensed services, you receive the written Affiliated Business Arrangement Disclosure first — before any application, with an explicit statement that you may use anyone you like.
Mortgage work through our joint venture brokerage partner; insurance through appointed licensed producers. AFIP coordinates; licensed people do licensed work.
A documented package so whoever remains outside knows exactly what exists, what is due when, and who to contact. This is the deliverable that matters most.
✓ Disclose our ownership relationship in writing, every time
✓ Tell you that you can shop elsewhere
✓ Refer you outside AFIP when that serves you better
✓ Work only through licensed professionals
✓ Say plainly when we cannot help in your state
✗ Take a fee for referring you anywhere
✗ Require AFIP as a condition of any Adversa service
✗ Accept payment tied to a loan closing
✗ Work with high-cost "second chance" lenders
✗ Give legal or tax advice — that stays with your professionals
Why this is written so plainly. RESPA Section 8 prohibits paying for referrals of settlement services. The Affiliated Business Arrangement exception under Section 8(c)(4) permits our structure only if these conditions are met exactly. We would rather publish them than bury them.