IPA Program Overview
Build Your Independent Agency
With the Right Partner Behind You.
50+ carriers. 100% book ownership. A commission cap that rewards your growth. IPA gives you the carriers, technology, and support to build a real agency — and a clear path to full independence when you're ready.
What You Get with IPA
Everything you need to launch and grow an independent agency.
100% Book Ownership
From day one. Sell it, transfer it, or take it with you. Your clients are always yours.
50+ Carriers
Direct sub-code appointments with top carriers, plus brokerage access to dozens more. Personal and commercial lines.
Commission Cap
Hit the cap and keep 100% of everything above it. The bigger you grow, the more you keep. No other aggregator offers this.
Profit Sharing Access
Start earning profit sharing at $100K in premium through IPA's collective volume. Most standalone agencies need $250K+.
EZLynx Included
The #1 comparative rating tool and agency management system. Quote multiple carriers at once. Discounted pricing.
Pre-Launch Masterclass
Proprietary training on how to build a profitable agency. The same strategies that power our 25+ year network.
No Office Required
Work from anywhere. No franchise fees, no office mandate, no overhead requirements.
Path to Full Independence
Hit the cap and pursue your own carrier appointments outside IPA. We're a launching pad, not a trap.
Family-Owned, 25+ Years
Not a PE-backed rollup. Family-owned and operated. We grow when you grow.
What Our Agents Say
Real agents who made the move to independence with IPA.
“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.”
Sabina M.
Former American Family Agent, Evergreen Park, IL
“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. They are the best aggregators in the market today.”
Angelo G.
Former American Family Agent, Chicago, IL
“Joining IPA was the best career move I ever made. You and your team have been wonderful the past 11 years.”
Dawn K.
Independent Agent, Great Bend, PA — IPA Since 2015
“I was given an opportunity that allowed me to start a scratch agency without taking out several large loans to get it started. I feel that I have a personal relationship with the owners of the company.”
Matt F.
Former Allstate and State Farm Agent, West Des Moines, IA
We're Not Your Destination. We're Your Launching Pad.
Most aggregators want to keep you dependent on their systems forever. IPA is built differently. We give you the carriers, the technology, and the mentorship to build a real book of business — and once you're ready, the path to full independence. Through IPA's collective volume, you can start participating in carrier profit sharing at just $100,000 in premium — a threshold most carriers set at $250,000 to $500,000 for standalone agencies. Our commission cap means the more you grow, the more you keep. Our contract is designed so that one day, if you choose, you can grow beyond IPA and build your own carrier relationships. That's what a launching pad does.
The Details
The Real Numbers, In Plain English
Most aggregators hide their contract until after the sales pitch. We think you should see exactly what you're signing. Below is our actual 2026 Independent Agency Agreement, every section explained.
📄 Download the Full Agreement (PDF)Your Earning Potential with IPA
Once you hit roughly $1.2M in annual premium, our share caps — and everything above that is 100% yours.
| Your Premium | Your Commissions | What You Keep |
|---|---|---|
| $500K | ~$60K/yr | ~$48K/yr (80%) |
| $1M | ~$120K/yr | ~$96K/yr (80%) |
| ~$1.2M | ~$144K/yr | 🔥 CAP TRIGGERS |
| $3M | ~$360K/yr | 100% on $1.8M above cap |
| $5M | ~$600K/yr | 100% on $3.8M above cap |
| $10M 🚀 | ~$1.2M/yr | 100% on $8.8M above cap |
At a $10M agency, you're earning 100% of commissions on $8.8M of your premium — and only sharing on the first $1.2M. The bigger you grow, the more you keep.
How the Agency Cap Works
Step 1: You start at an 80/20 split — you keep 80% of every commission dollar.
Step 2: Once you average $14,975/month over any rolling 12-month period, you can elect to cap IPA's share.
Step 3: IPA's monthly share locks at a fixed amount. Every dollar above that is 100% yours. The more you grow, the better your effective split becomes.
The more you grow, the better your split becomes. No other aggregator offers this.
The Agreement, Section by Section
Click any section to read the actual contract language alongside our plain-English explanation.
Carrier Access by State
Select your state to see which carriers are available to you through IPA.
What Happens After You Join?
Here's exactly what the process looks like — step by step, no surprises.
Review the Agreement
You've already seen it on this page. Read it at your pace. No pressure, no deadline. If you have questions, book a call with Dave anytime.
Complete the Questionnaire
Fill out a short questionnaire about your background, current book, and goals — it's right here on this page, ready for you now. Our team reviews every submission personally and typically gets back to you within 48 hours.
Get Inside the Pre-Launch Masterclass 🎓
This is where the magic happens. Our Pre-Launch Masterclass is where we share the secrets to building a profitable independent agency — the strategies, the tools, and the proprietary systems we've developed over 25+ years. It walks you step-by-step through everything: what documents to prepare, how to set up your E&O, carrier appointment timelines, and exactly what to expect. Video-based, at your own pace.
Carrier Appointments (~30 Days)
Once we have everything from the pre-launch checklist, direct carrier appointments take about 30 days as a rule of thumb. Some carriers are quicker (1–2 weeks), some are slower. We recommend starting with 3–5 core preferred and standard carriers based on your business plan and market — these are your profit-sharing carriers that will be the foundation of your book. On top of that, we'll set up your non-standard and specialty markets, plus connect you with our brokerage partner for access to dozens of additional carriers. Before we submit any appointments, we'll jump on a call to review your carrier wishlist together, align on your business plan, and make sure you understand each carrier's expectations. You'll have an abundance of markets within your first 30 days.
Start Writing Business 🚀
Hit the ground running. While your direct carrier appointments are processing, you'll have brokerage access so you can start quoting immediately. Once your direct appointments come through, it's go time — your core preferred and standard carriers typically expect around $50K in new business premium per year, but non-standard and specialty markets are much more flexible and are happy with consistent activity. We give you 90 days of ramp-up time on minimum commission share while appointments are set up, but the goal is to launch strong.
Currently with a captive or another agency?
That's completely fine. Reviewing this information and even starting the Pre-Launch Masterclass doesn't commit you to anything. You won't be signing carrier contracts or submitting appointments until you're ready. Many of our agents go through the entire pre-launch process before making their final decision.
Ready to Take the Next Step?
You've seen the real terms. No hidden fees. No vesting traps. No fine print surprises. Let's talk about how IPA can work for your agency.