Experience the best of both worlds — the independence of a brokerage model combined with the support, benefits, and compensation of a career agency. No other model offers what IFS does.
| Feature | Brokerage General Agency | ✦ Independent Financial Solutions | Career General Agency |
|---|---|---|---|
| Agent Independence | Broker only — fully independent | Agents AND brokers — both independent! | Captive agents only — non-compete required |
| Non-Compete | No non-compete for brokers | No non-compete — you own your book | Agents have a non-compete |
| Home Office Access | Brokers typically cannot contact home office | Our agents and brokers can contact home office directly | Agents can contact the home office |
| Dedicated Underwriters | Typically no exclusive underwriter or staff | Our own underwriters and dedicated staff | Agency has its own underwriters and staff |
| Commission Structure | Paid as Earned — no annualization | Annualization and/or Paid as Earned | Agents are annualized |
| Benefits & Trips | Typically none | Benefits, trips, and renewals (including term) — YES | Benefits, trips, and renewals — Yes |
| Office Space | No office provided by agency | Work free from our office if you want! | Must work in the agency office (at a cost) |
| Carrier Access | Can place with any carrier or agency | Work with any carrier — full flexibility | Must place with one carrier and agency |
| Own DBA | Broker can have their own DBA | Your own DBA is welcome! | No DBA allowed |
| Outside Business Activities | Outside Business Activities allowed | OBAs allowed — full flexibility | OBAs not allowed |
| Business Cards | Must use own cards | Use your cards, ours, and/or our carriers' | Must use agency business cards with home office branding |
| Your Independence | In business for yourself — and by yourself | In business for yourself, not by yourself! | You are an employee of the agency and carrier |
For eligible agents we make impaired risk simple. Complete one application with our HIPAA form, and we order the medical and APS and shop the case for you. Through our experience we will find a suitable product for your client and make sure you are prepared to make the sale.
Our Advanced Case Design team will help uncover sales opportunities. Send us a fact finder and put us to work! Don't waste time processing new business or calling underwriters — let our professionals handle that so you can sell more.
We handle new business processing, order medicals, call underwriters, and even make the copies. Our experienced support staff helps you from the beginning through implementation and placement of every case.
We provide full support for Regulation 60 and 1035 exchange cases, ensuring your clients' annuity and life rollovers are handled correctly and compliantly every time.