License your team, or let us run it for you.
Same program, same pilot, same commitments. The difference is who holds the license that writes the business, and that single choice changes what you provide and what you earn on.
What each one actually requires.
| Offer A · We help you sell it | Offer B · We run it for you | |
|---|---|---|
| Who sells | Your producers, licensed and contracted under your agency | Our licensed specialists, by appointment, under your brand |
| Best for | Agencies with two or more producers and an owner ready to back licensing. | Owner-operated or stretched agencies with a strong homeowners book. |
| We provide | Licensing path with accountability, contracting, product training, mentored first cases, workflows and reporting. | Licensed specialists, booking, needs analysis, application, delivery and monthly reporting. |
| You provide | Producers who complete licensing, scheduled L&H time, and E&O that covers life and health lines. | A licensed, contracted agency, and one consent question asked at bind and renewal. |
| New work for your staff | Licensing, then scheduled life and health time on producer calendars | One consent question at bind and renewal |
| Not a fit when | A single-producer shop where the owner won't get licensed, or existing contracts that restrict outside life partners. | An owner who wants a fee without licensing the agency. Commission requires a licensed, appointed entity. |
Your agency has to be licensed to be paid.
Under both offers, the agency entity — and usually a designated responsible licensed producer — must be licensed and appointed for life and health to earn commission. This is the one item on this site that is not negotiable, because it is not ours to negotiate: it is how insurance commission is allowed to be paid.
If you would rather not license the agency, the only remaining structure is a referral arrangement where your state permits one. In most cases the setup cost outweighs what it returns, so we will tell you that plainly on the fit call instead of selling you into it.
Through a licensed, contracted arrangement — and in writing.
We publish no compensation figures on this site, and you should be sceptical of any partner who does. Your actual numbers depend on your state, your licensing, and the carrier contracts your agency is appointed under, so the figures arrive in a written proposal after the fit call, once those three things are known.
What we will commit to before then: you see the structure before you see a contract, and the structure does not change between the proposal and the agreement.
Offer B is built to be outgrown.
Offer B agencies can move to Offer A at the 6- or 12-month review, so the capability can end up inside your agency.
At the 6- and 12-month reviews you pick one of three:
- Stay on Offer B.
- License your own producers and move to Offer A.
- Hire the embedded specialist directly, on terms written into the original agreement.
The third option is the one worth noticing. Hiring the specialist who has been running your desk is written into the original agreement, with terms agreed before the desk exists — which means a partner who did well by your clients is not something you have to fight us for.
The commitments do not change with the offer.
- BrandClient-facing contact runs under your agency's name, using materials you approve.
- ConsentWe only speak with clients who opted in to a review. No bulk lists, no cold calls to your book.
- P&CA written non-solicit on property and casualty business.
- VisibilityA monthly report shows every booked review, application and placed policy.
- ExitRenewals, client records and servicing after exit are settled in writing before you sign.
- ComplianceLicensing, appointments and marketing reviewed for your state before launch.
Request a 20-minute fit call.
No pitch deck and no pressure. We look at your agency’s lines and team and tell you whether a pilot fits. If it doesn’t, we’ll say so.
Request a fit call- Your lines, producers and client base
- What happens today when clients ask about life insurance
- Offer A or Offer B, and what a pilot would look like
- Licensing and contracting steps for your state