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Build Your Independent Agency With Direct Access & True Ownership.

No fees. Direct appointments. Real support from a family that’s built agencies for 15+ years.

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Why Agents Choose IPA

  • 100% Book Ownership
  • Direct Carrier Appointments
  • Full Binding Authority
  • No Joining Fees or Exit Fees
  • Industry-Leading Technology (EZLynx)
  • Personal, On-Demand Support When You Need It
  • Build a Profitable, Sellable Agency

More Than Access — Real Tools to Build Your Agency

Direct Appointments

  • National + Regional carriers
  • Full logins + binding authority

Tech + Tools

  • EZLynx at special rates
  • AMS & auto and home rating platform
  • Cloud-based, scalable, and eSignature ready
  • Free small commercial rating tool

Guidance & Support

  • Training on writing profitable business
  • Help with carrier navigation and submissions
  • Access to real people, not a corporate ticket system

Hear From Dave — Why Top Agents Are Choosing IPA

Dave O’Reilly, a Principal at IPA, breaks down what makes our program different — and how it helps you build a profitable, independent agency you truly own.

You’ll Work Directly With Us

Family-run. Agent-first. Backed by 60+ years of real insurance experience.

Agents Who Made the Move — and Would Do It Again

Sabina M – Evergreen Park, ILFormer American Family Agent
Anyone who’s been a captive agent for more than 10 years knows it’s not what it used to be. After watching the industry change and seeing my income dwindle, I finally decided to make the move. The only regret I have about joining Insurance Pro Agencies is that I didn’t do it 10 years earlier
Jose S – Columbus Junction, IAFormer Farmers Agent
IPA offered me a great contract and it really allowed me to be independent. They’ve got great agent support and all the carriers I needed to grow my business.
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A Smarter Commission Model That Rewards Growth

We believe your success shouldn’t cost you more as you grow. That’s why IPA offers a commission model that includes a built-in cap. Once your agency hits a certain monthly level of earned commissions, you’ll keep 100% of every commission above that level — no exceptions, no surprises.


It’s one of the cleanest paths in the industry to scale your profits and grow a valuable book of business.

Let’s See If We’re A Fit

Whether you’re ready to start your agency or just exploring, let’s talk about your goals. Don’t worry, it’s completely confidential.

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IPA Insurance Aggregator Program FAQs

Running an independent agency can feel like a constant scramble for carrier appointments, competitive commissions, and back-office support. An insurance aggregator like Insurance Pro Agencies (IPA) brings a network of carriers, shared resources, and peer collaboration under one roof—so you grow faster without giving up your independence or ownership of your book.

IPA is built by agents, for agents. We provide:

  • Direct carrier access with binding authority

     

  • Top-tier commissions & transparent profit-sharing

     

  • Low fees and low production pressure

     

  • A supportive community focused on your long-term success
  • True book ownership—no hidden caveats

     

  • Easy exit terms with no buyout penalties

     

  • Agent-led leadership (not PE- or bank-owned)

     

  • Low loss ratios that keep carrier relationships strong

Immediate appointments with leading national and regional insurers, plus harder-to-reach specialty markets such as cannabis, trucking, and coastal property. All contracts are direct between you and the carrier, so quotas stay low and transparency stays high.

  • Competitive base commissions that match or beat market rates

     

  • Contingency bonuses based on collective performance

     

  • Clear reporting—you always know how bonuses are calculated

     

  • Minimal monthly fees that are offset by higher earnings potential

Yes. You retain 100 percent ownership of clients and policies. Leave anytime without harsh buyout clauses, penalties, or forced book transfers.

  • Modern AMS, CRM, and comparative raters

     

  • Quoting & underwriting assistance from seasoned specialists

     

  • Bootcamp onboarding and ongoing mentorship

Hundreds of agencies nationwide trust IPA. Consistently low loss ratios and strong carrier relationships show that we focus on quality business, not just volume.

Expect an agent-first environment with mastermind groups, private forums, responsive leadership, and shared ethical standards. Collaboration—not competition—is the norm.

IPA keeps volume commitments minimal. You control your growth pace; we supply the carrier access and resources to help you scale when you’re ready.

Our Easy Exit Policy lets you transition your book without penalties or buyout clauses. Carrier appointments and client relationships move with you.

Book a free discovery call to discuss your goals, carrier needs, and growth plans. We’ll outline next steps and confirm that IPA is the right fit for your agency.

Every policy, process, and technology decision at IPA is driven by people who have run agencies themselves. That keeps the focus on practical tools, transparent compensation, and long-term independence—rather than shareholder returns or corporate quotas.