How it works.

Launch and Grow a Profitable Independent P&C Agency — Backed by Real Experience, Real Access, and Real Support.

Step 1: See if you’re eligible.

We’re currently accepting qualified applicants in:
Arizona, Illinois, Indiana, Iowa, Missouri, and Pennsylvania.

These are the states where IPA has built strong direct market relationships and supported multiple million-dollar independent agencies.

Who this is for

Who this is NOT for

Step 2: Book a Discovery Call (Now or After Applying)

Before we approve any agent to join IPA, we require a short discovery call to align on expectations and goals. You can book this before or after submitting your application, but it’s required before moving forward.

What we’ll cover:

  • Your goals and growth strategy
  • The carriers you’ve written with and where you want to expand
  • A walkthrough of the onboarding and appointment process
  • Answers to any questions you have

“The process was super transparent. I knew what was expected and how IPA could help me grow.”

— Sabina M., Evergreen Park, IL

“It was all laid out step-by-step. I knew exactly what I needed to send in and how long things would take.”

— Jose S., Columbus Junction, IA

Step 3: Apply + Access the Pre-Launch Portal

After applying, our team will review your submission. If more information is needed, we’ll reach out. If you’re approved, you’ll receive immediate access to our Pre-Launch Membership Portal, which includes:

  • A checklist of required onboarding documents
  • Short videos explaining each step
  • Details on what to send and when
  • A clear timeline of what happens next

Once your documents are submitted, we begin working on your direct carrier appointments.

Step 4: Carrier Appointment Setup Begins

Once your pre-launch deliverables are complete, IPA begins securing your initial carrier access. You’ll typically receive 2–5 direct appointments with national or regional carriers, selected based on your book, experience, and goals.

You’ll get:

  • Direct sub-codes under IPA’s master agreements
  • Full login access and binding authority
  • Support from both IPA and carrier reps

 

The appointment process typically takes 15–60 days.

“Getting direct appointments was a game changer. IPA handled it all, and I was quoting my own business from week one.”

— Jose S., Columbus Junction, IA

“The training was detailed and easy to follow. I was quoting and binding with confidence right away.”

— Matt F., West Des Moines, IA

Step 5: Start Writing Business + Carrier Training

Once your appointments are live, it’s time to write. Each carrier provides access to its own training portal. IPA also provides launch materials that show:

  • How to submit business profitably
  • How to navigate carrier appetite and underwriting
  • What’s required to stay in good standing and qualify for bonuses.

Direct appointment carriers expect you to begin writing new business immediately.

Step 6: Get Paid with Transparency and Simplicity

Your commissions will be processed and paid by IPA on the 28th of every month.

You’ll receive:

  • A monthly statement with full transparency: carrier, policy, client name, premium, and commission
  • A clean commission model that includes a cap — allowing you to keep 100% above a certain level as your agency grows

“The commission model is simple, transparent, and rewards growth. I always know what I’m earning and when I’ll get paid.”

— Sabina M., Evergreen Park, IL

“I got real answers from real people. You don’t feel like just another number with IPA.”

— Jose S., Columbus Junction, IA

Step 7: Run and Grow Your Agency with the Right Tools

IPA provides everything you need to operate efficiently:

  • EZLynx AMS + Rater (special IPA pricing)
  • Free commercial quoting tool (provided by one of our partners)
  • Carrier portals with your own logins
  • Real-time support when needed — from real people, not ticket bots

Step 8: Build a Business You Can Exit, Sell, or Pass Down

You own your book of business from day one. Whether you want to retire, pass it down, or sell — you’re in full control.

  • Sell at any time — no exit fees
  • Keep 100% of your profits
  • IPA will offer 10% more than your best outside offer if you choose to sell your agency to us

“I plan to pass my book down to my son one day. With IPA, that’s actually possible.”

— Matt F., West Des Moines, IA

We’re actively reviewing applications now.

If you’re an experienced agent ready to build a real agency — let’s talk.