🤝 IPA Referral Partner Program

Turn Your Client RelationshipsInto a Revenue Stream

You already work with clients who need insurance. Make the introduction, we handle everything else. Licensed partners earn commissions on every placed policy. No insurance license required to start.

Activate My Account — Free →Book a 10-Minute Call

Free to join · No minimums · Takes 2 minutes to activate

50+
National Carriers
40+
States Covered
20+ Years
In Business
$0
To Join

How It Works

Three steps. No insurance knowledge needed. We handle the hard part.

Step 01
📝

Activate Your Account

Fill out a 2-minute application. Choose licensed (earn commissions) or unlicensed (make introductions). Sign the agreement digitally and you're in.

Step 02
📲

Send a Referral

When a client needs insurance, share your partner link, send a text intro, or submit their info through your portal. That's your entire job.

Step 03
💰

We Handle Everything

IPA shops 50+ carriers, handles quoting, binding, and service. You get notified of the outcome. Licensed partners earn on every placed policy — and every renewal.

What Licensed Partners Earn

Licensed partners earn 50% of IPA's commission share on every placed policy. Carrier commissions typically run 10-15% of premium. Here's what that looks like at different referral volumes.

Part-Time
10
referrals / month
Year 1
$1,080
~$108 per policy
Year 2 (with renewals)
$2,160
Renewals compound every year
Active
25
referrals / month
Year 1
$2,700
~$108 per policy
Year 2 (with renewals)
$5,400
Renewals compound every year
★ Most Common
Growth
50
referrals / month
Year 1
$5,400
~$108 per policy
Year 2 (with renewals)
$10,800
Renewals compound every year
Scale
100
referrals / month
Year 1
$10,800
~$108 per policy
Year 2 (with renewals)
$21,600
Renewals compound every year

How the math works: On a typical $1,800/year homeowners policy, the carrier pays ~12% commission ($216). IPA's licensed partners earn 50% of that = $108 per policy. Policies renew annually, so your income compounds. Commercial accounts (BOP, GL, workers' comp) typically generate $200-500+ per placement due to higher premiums.

Two Ways to Partner

Whether you hold a P&C license or not, there's a track for you.

🌐

Unlicensed Partner

No insurance license? No problem.

  • ✓Make warm introductions — that's it
  • ✓IPA handles all quoting and coverage
  • ✓Strengthen your client relationships
  • ✓Become the trusted insurance resource
  • ✓Upgrade to Licensed track anytime
Start as Unlicensed Partner →
Earn Commissions
💰

Licensed Partner

Active P&C license? Earn on every policy.

  • ✓50% of IPA's commission share — every policy
  • ✓Renewals compound year over year
  • ✓You own your referral book
  • ✓Commercial accounts = higher payouts
  • ✓12-month commission tail on termination
Activate Licensed Account — Free →

Built for Professionals Who Work with Clients

If your work puts you in front of people who need insurance, you're a natural fit.

🏡

Real Estate Agents

Every home sale = a homeowners insurance need

You're already at the closing table. Introduce your buyers to IPA before the lender's binder deadline and become their go-to insurance resource.

🏦

Loan Officers

Every mortgage = mandatory insurance

You know the exact moment insurance is needed. A warm intro to IPA means faster closings, happier clients, and a new income stream.

📊

CPAs & Tax Preparers

Business clients need commercial coverage

You see the risk on the balance sheet. Connect your business clients with commercial coverage — BOP, GL, workers' comp — and earn on every placed account.

📋

Title Companies

Sitting at the closing table

Buyers without coverage need it fast. You're in the perfect position to make the introduction. IPA handles everything from there.

💼

Financial Advisors

Protect what you're building

Your clients trust you with their financial future. Insurance is part of that picture. A trusted referral strengthens the relationship.

🔑

Auto Dealers

Every car sale needs auto insurance

Customers drive off the lot needing coverage. Give them a better option than calling their current carrier and hoping for the best.

Why Refer Through IPA

When you refer a client, your reputation is on the line. We take that seriously.

⚡

Fast Response

Referred clients are contacted within hours, not days. We know speed matters.

🏢

50+ National Carriers

Progressive, Safeco, Travelers, Hartford, CNA, Liberty Mutual, Nationwide, and more. We find the right fit.

🔄

Closed-Loop Updates

You'll always know what happened with your referral. No black holes. No wondering.

🤝

No Pressure Sales

We advise and recommend. Clients who feel good about the experience reflect well on you.

📈

Renewals Compound

Licensed partners earn on renewals too. Your income grows every year without additional work.

🔒

20+ Years in Business

IPA has been building agencies since 2003. Award-winning carrier relationships. Proven track record.

Common Questions

Do I need an insurance license to join?▾
No. Unlicensed partners make warm introductions — IPA handles all quoting, coverage conversations, and policy placement. If you have a P&C license, you can earn commissions on every placed policy.
How much do licensed partners earn?▾
Licensed partners earn 50% of IPA's commission share on every placed policy and renewal. On a typical homeowners policy with $1,800 annual premium and a 12% commission rate, that's approximately $108 per policy — and it renews every year. Commercial accounts often generate $200-500+ per placement.
What do unlicensed partners get?▾
You become the trusted insurance resource in your network. Your clients get access to 50+ carriers and competitive rates. You strengthen relationships and add value to every transaction. If you later get licensed, you can upgrade to the Licensed Partner track and start earning commissions.
How does the referral process work?▾
It's simple: send your client's info through your partner link, make a warm introduction via text, email, or phone, or have them fill out a quick form. IPA's team contacts them within hours, shops 50+ carriers, and handles everything from quoting to binding. You get notified of the outcome.
What carriers does IPA work with?▾
IPA partners with 50+ A-rated national carriers including Progressive, Safeco, Travelers, Hartford, CNA, Liberty Mutual, Nationwide, and many more. For personal and commercial lines across all 50 states.
Is there a cost to join?▾
No. The program is free. No setup fees, no monthly charges, no minimums. Activate your account in 2 minutes.
Do I own my referral book?▾
Yes. Licensed partners retain ownership of their referral book. Commissions on placed policies continue for 12 months after termination (not for cause).

Ready to Start Earning?

Join in 2 minutes. Free to activate. Start referring clients today.

Activate My Account — Free →Book a 10-Minute Call

Questions? Email dave@insuranceproagencies.com