We deliver best-interest-based guidance across life insurance, long-term care, and individual disability insurance — helping you and your clients make decisions with clarity and certainty.
True North Insurance Group stands at the forefront of the insurance industry, embodying the essence of guidance, integrity, and unparalleled expertise. Founded on the principles of delivering best-interest-based recommendations, our core focus is providing consultative services around life insurance, long-term care, and individual disability insurance.
At True North, we help clients navigate through the complexities of insurance with a steadfast commitment to their security and peace of mind.
From term to permanent, we source best-interest solutions across the full market — tailored to your clients' specific coverage needs and financial goals.
Protecting your clients' most valuable asset — their income. We specialize in individual disability income solutions that provide true own-occupation protection.
Planning for the possibility of extended care shouldn't wait. We help clients understand their options — from traditional LTC to hybrid life/LTC solutions and annuity combinations.
We've built every aspect of our practice around a single principle: your clients' best interest, always.
We are unconflicted. Our recommendations are driven solely by what's right for your client — not by carrier relationships or production incentives.
Serving clients' best interests requires access to the full universe of insurance products. True North has it — across all major carriers and product types.
With a background spanning underwriting, case analysis, and competitive intelligence, we bring a level of technical depth that translates to better outcomes.
Complexity is our job, not yours. We streamline every step — from analysis to application — and leverage technology to make the process as smooth as possible.
Schedule a consultation or use our free calculators to estimate your clients' insurance needs.
At True North, we are committed to transcending traditional insurance services. Our ethos is anchored in delivering best-interest-based recommendations, ensuring our clients receive personalized, transparent, and effective guidance.
Our mission is to empower our clients with the knowledge and insights necessary to make informed decisions. We navigate the complexities of insurance with you, offering clarity and solutions that align with your unique needs and aspirations.
True North Insurance Group is more than a provider; we are your steadfast partner in navigating life's uncertainties.
Guiding you toward the optimal insurance solution is not just our profession — it's our passion. We specialize in life insurance, long-term care, individual disability insurance, and annuities, meticulously tailoring our advice to safeguard your future and secure your peace of mind.
Paul Simmons is an esteemed professional in the insurance sector whose career began in 2007. His early start as a health and life agent paved the way for a series of notable achievements, culminating in a prestigious position within the President's Club at Prudential Financial — thanks to his exceptional performance as a top-tier agent.
In pursuit of a deeper understanding of insurance operations, Paul transitioned to case analysis and underwriting in 2011, aligning with the M Financial group and Chernoff Diamond. This move broadened his expertise and provided a solid foundation for his subsequent role at New York Life, where he played a crucial role on the Life Competitive Intelligence Team starting in 2014 — steering agents through the complexities of the industry's competitive landscape.
"My goal is to illuminate the path toward financial security and well-being for our clients through best-interest-based advice, tailored insurance solutions, and an unwavering commitment to integrity, transparency, and expertise. At True North Insurance Group, we pledge to guide you to your insurance True North — ensuring your journey toward safeguarding your future is navigated with trust, respect, and unparalleled professionalism."
— Paul Simmons, Founder & PrincipalEmbracing innovation in 2022, Paul took on a significant challenge as the Chief Insurance Officer at White Swan — a pioneering startup with the noble vision of making permanent life insurance widely available. In this role, Paul leverages his comprehensive knowledge and strategic insight to transform the insurance field, ensuring that individuals from diverse backgrounds have access to the financial stability and protection that life insurance provides.
Whether you have a specific scenario in mind or just want to explore how we can work together, we'd love to hear from you.
Every advisor relationship we build is grounded in a set of non-negotiable principles. These aren't aspirational — they're the operating standards your clients deserve and you can count on.
You will be as involved as you like in the process. We're happy to work with your model — whether you prefer to be CC'd on every email or would rather receive summary notes of the plan, you will always know what's going on.
Whether designing a plan or analyzing existing coverage, the only thing we take into consideration is your client's best interest. Full stop. No exceptions, no shortcuts.
In order to serve clients' best interests, we need access to the whole universe of life insurance products. True North has it — across every major carrier and product category, ensuring the right fit every time.
Purchasing life insurance can be a complex and daunting task. Both your — and your clients' — time is valuable. True North simplifies the process and leverages technology wherever possible to eliminate friction.
We act with the same intentionality no matter the task — from beneficiary changes to ordering in-force illustrations to helping your clients find new coverage. Every request receives the same care and urgency.
True North serves as the insurance specialist behind the advisor — adding depth, access, and capacity to your existing practice.
Let's discuss how True North can support your practice and serve your clients better.
Estimate your coverage needs across life, disability, long-term care, and retirement planning — all in one place. Hover over underlined terms for plain-English explanations.
Uses the DIME method — Debt, Income, Mortgage, Education — a widely accepted framework for estimating how much coverage your family may need.
Ready to explore policies that fit this need?
Let's find your True North together.
Estimates the monthly income protection gap if you became unable to work due to illness or injury. Your paycheck is your most valuable asset.
Most advisors recommend 60–70% of gross income
An individual disability policy can be tailored to your occupation & income.
Talk to a True North advisor today.
Estimates the future cost of long-term care services and how much coverage you may need, factoring in inflation and your existing assets.
Home care (44 hrs/wk): ~$5,720/mo today · costs typically rise 4–5% annually
LTC policies can include inflation protection, shared care, and hybrid options.
Let's design the right plan together.
Projects your nest egg at retirement and reveals any income gap — so you can take action now rather than discover a shortfall later.
Annuities and permanent life insurance can help fill retirement income gaps.
Let a True North advisor show you the options.
At True North, we take a consultative approach to all business matters. Reach out with questions, scenarios, or to schedule time to connect.
4711 Forest Drive, Ste. 3, #133
Columbia, SC 29206