The Founders
Chad Brown
Chad is a licensed NC attorney and a licensed Health, Life, Medicare, and Long-Term Care insurance agent.
After owning and operating a law firm specializing in Social Security disability benefits—and starting and building a Medicare specialty insurance agency, CBIG, LLC—Chad set out to create a company focused on a niche life insurance product. His goal was to bring the same level of expertise and transparency he championed in his previous ventures to the life insurance space.
AOS Financial was founded to give individuals with life insurance needs access to high-level advice, in-depth product understanding, and next-level transparency—including full clarity around how each policy works and how agents are compensated.
Built on integrity and a real desire to help people, AOS Financial exists to bring clarity and trust to a marketplace often filled with confusion and deception.
Derek Fowler
I’m Derek Fowler, lead advisor at AOS Financial. I began working as a life insurance advisor
after discovering a product that completely changed how I thought about life insurance and
my financial future. As a husband and father of two small children, life insurance was a
necessity rather than a luxury. Now, I want to help you take control of your future too.
I am an Embry Riddle Aeronautical University graduate, and I also actively work as
professional pilot for a small air carrier in North Carolina. My experience working as an
instructor and line captain in jet aircraft has honed my attention to detail and familiarity
with rules and regulations that will help me educate you on options that can change how
you think about money, wealth-building, and legacy.
Click below to get our free guide to Indexed Universal Life insurance and start your journey
to a more secure financial future.
Derek Fowler
I’m Derek Fowler, lead advisor at AOS Financial. I began working as a life insurance advisor
after discovering a product that completely changed how I thought about life insurance and
my financial future. As a husband and father of two small children, life insurance was a
necessity rather than a luxury. Now, I want to help you take control of your future too.
I am an Embry Riddle Aeronautical University graduate, and I also actively work as
professional pilot for a small air carrier in North Carolina. My experience working as an
instructor and line captain in jet aircraft has honed my attention to detail and familiarity
with rules and regulations that will help me educate you on options that can change how
you think about money, wealth-building, and legacy.
Click below to get our free guide to Indexed Universal Life insurance and start your journey
to a more secure financial future.
How It All Started
AOS Financial is a specialized boutique firm located in North Carolina and serving clients nationwide. We provide financial asset optimization centered on maximally funded Indexed Universal Life Policies. Our targeted client selection process enables us to provide benefits unmatched by other products or strategies for our clients
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