IPA AGENT PROGRAM 2027

From your first independent policy to your own Master Agency.

The only program that meets you exactly where you are today — and takes you as far as you want to go. One contract. Four phases. A career built on your terms.

15+
Years Building Independent Agencies
90/10
Commission Split at Phase 2
100%
Book Ownership
Phase 2+
Profit Sharing Eligible

One program. One contract. Your whole career.

Most aggregators have one offer. You qualify or you don't. IPA has a path for every stage of your career — and it's all in a single agreement that advances with you.

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PHASE 1

Phase 1 — Become an Independent Agent

Get placed with a Mentoring Agency. Build your book. Own it 100%.

See full details →
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PHASE 2

Phase 2 — Start Your Own Agency

Qualify at $250K new business. Get your own direct carrier sub-codes. Keep 90%.

See full details →
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PHASE 3

Phase 3 — Scale to $5M+

IPA recruits producers and places them under you. Your agency multiplies.

See full details →
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PHASE 4

Phase 4 — IPA Master Agency

Lead a Pod. 95% split on everything. Profit sharing on your entire network.

See full details →

Which phase are you?

Read your situation. Click your path.

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PHASE 1

Become an Independent Agent

Most popular entry point

“You have a P&C license (or you're close) and you're ready to stop working for someone else.”

YOUR SPLIT
75% to you
MONTHLY FEE
$295/mo
Includes AMS + comparative rater
ENTRY REQUIREMENT

Active P&C license. No prior independent production required.

  • ✓IPA places you with a vetted Mentoring Agency in your state
  • ✓You own 100% of your book from day one
  • ✓Life & health: non-exclusive — write it anywhere
  • ✓Clear path to Phase 2 built into your contract
Commitment: 3-year commitment to your Mentoring Agency
Early exit: $5,000 early exit → full policy list + carrier release
Start as a Producer →
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PHASE 2

Start Your Own Agency

Best split in the market

“You have real production under your belt and you're ready for your own carrier appointments.”

YOUR SPLIT
90% to you
MONTHLY FEE
$295/mo
AMS + rater included
ENTRY REQUIREMENT

$250,000+ in new business written premium in the last 12 months.

  • ✓IPA (or an IPA Master Agency) submits you for direct sub-code appointments
  • ✓90/10 split — the most competitive in the independent market
  • ✓Profit sharing eligibility starts here
  • ✓IPA fills your agency with producers at Phase 3
Commitment: 3-year commitment to your Master Agency
Early exit: $10,000 early exit → full carrier independence
Get Direct Appointments →
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PHASE 3

Scale to $5M+

IPA recruits for you

“You have direct appointments and you're ready to grow your agency with producers underneath you.”

YOUR SPLIT
90% on your production
MONTHLY FEE
$295/mo continues
IPA earns 5% override on your producers
ENTRY REQUIREMENT

Direct carrier appointments + active AMS + comparative rater.

  • ✓IPA recruits producers and places them under your agency — at no cost to you
  • ✓You earn 25% override on every producer's commissions
  • ✓Commissions paid to your agency by the 21st of each month
  • ✓Path to Phase 4 Master Agency opens at $5M
Commitment: No new commitment — this is a benefit of Phase 2
Early exit: N/A — participate as long as you want
Grow Your Agency →
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PHASE 4

Become an IPA Master Agency

By invitation / application

“You're running a $5M+ agency and you want to lead a network — not just an office.”

YOUR SPLIT
95% on your entire Pod
MONTHLY FEE
$145/mo per Pod agent
Paid to you by IPA monthly
ENTRY REQUIREMENT

$5,000,000+ in total written premium. Proven operational capacity.

  • ✓IPA places Phase 2 agents under your master codes
  • ✓5% override on your entire Pod — agencies + their producers
  • ✓Full carrier profit sharing on your Pod's entire production
  • ✓IPA improves the network — you run it
Commitment: 3-year network commitment — no exit fee after
Early exit: 90-day notice after 3 years. No fee. Ever.
Apply as Master Agency →

Why IPA — and why now?

There are a lot of aggregators. Most of them have one offer. IPA is different — and these numbers prove it.

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2019

Progressive Platinum 25 — #9 Nationally

Top 25 agencies in the nation. Bundled net PIF growth + loss ratio under 65%.

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2019 & 2020

Safeco President's Award

Safeco's highest honor for top agencies in size, growth, and profitability.

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2023 & 2025

AAA Circle of Excellence

Premier Performer recognition for exceptional sales performance and service.

Real profit sharing. Real agents. Real numbers.

These are actual checks from IPA agents in a single year.

$48,146
Randy R.
AAA Profit Sharing
$17,186
Jose S.
Progressive Profit Sharing
$13,641
Mendy L.
The Hartford Profit Sharing

Profit sharing eligibility begins at Phase 2. Amount varies by carrier, premium volume, loss ratio, and growth.

From agents who made the move.

★★★★★

“The only regret I have about joining Insurance Pro Agencies is that I didn't do it 10 years earlier.”

Sabina M.
Evergreen Park, IL
Former American Family Agent
★★★★★

“I was given an opportunity that allowed me to start a scratch agency without taking out several large loans to get it started.”

Matt F.
West Des Moines, IA
Former Allstate and State Farm Agent
★★★★★

“Joining IPA was the best career move I ever made. You and your team have been wonderful the past 11 years.”

Dawn K.
Great Bend, PA
Independent Agent — IPA Since 2015
★★★★★

“IPA enables you to work without pressure, with the best carriers and best commissions. If you are a hard worker you will grow your agency in no time.”

Angelo G.
Chicago, IL
Former American Family Agent

Straight answers to the real questions.

Everything agents ask before they apply.

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Ready to see the full picture?

Watch the IPA Agent Program overview — a 20-minute walkthrough of the full career ladder, the real numbers, and exactly how to get started. Every applicant watches it first.

No spam. No sales calls unless you request one. Just the information.

Already know you're ready? Skip the webinar and book a call directly.

Book a Discovery Call →