Wendi D. Kratzer Agency When I was leaving Allstate, I researched my options for a cluster or GA for 8 months. I didn’t want to make a mistake. I chose IPA for many reasons. Because it was started from an ex Allstate agent so he would know what I had gone through and would go through. The commission split and fees were the best out there. I called a few agents they didn’t know about and all of them said it was the best decision they had ever made. This new contract will only make things better.