Become an IPA Referral Partner
Add value to every client relationship. Become the go-to resource for insurance in your professional network. IPA's national partners handle everything — quoting, coverage, service, and renewals.
Takes 2 minutes. No license required to activate.
Why Professionals Join the IPA Partner Network
It starts with your clients. It builds from there.
Become the Go-To Resource for Insurance
When your clients need coverage, you have the answer. That builds trust that competitors can't buy. No license required to make the introduction.
Strengthen Every Client Relationship
Insurance is one of the most stressful things your clients navigate. Being the person who solves it makes you indispensable — in your current role and beyond.
Add a New Dimension to Your Practice
Whether you're a CPA, realtor, loan officer, or auto dealer — insurance is the natural extension you've been missing. One warm introduction changes everything.
Build Something That Compounds
Licensed PartnersLicensed partners earn 50% of IPA's commission share on every placed policy — and every renewal. The more you refer, the more it builds year over year.
Two Ways to Partner With IPA
Whether you hold a P&C license or not — there's a track built for you.
Unlicensed Partner
Make warm introductions. IPA's licensed professionals handle everything from quoting to renewals. Your value is becoming indispensable to your clients — not becoming an insurance agent.
- ✓No P&C license required
- ✓Deepen every client relationship
- ✓Become the go-to insurance resource
- ✓IPA handles all quoting & compliance
- ✓No rate or coverage discussions required
- ✓Upgrade to licensed status anytime
Review the Unlicensed Partner Agreement
Licensed Partner
Hold your P&C license? Go further. Earn commission income, build actual book ownership, and access IPA's full national carrier network. 50% of IPA's commission share — on every placed policy and every renewal.
- ✓50% of IPA's commission share on all placed policies
- ✓Renewal income compounds every year
- ✓Your referral book is yours — book ownership
- ✓Access to 50+ personal line carriers
- ✓National commercial lines relationships
- ✓Path to agency ownership if you want it
Review the Licensed Partner Agreement
Why Our Referral Partners Win
You don't need a license or commission income to benefit. The real value is what happens to your existing business when you become an insurance resource for your clients.
Clients with multiple service relationships have a 94% retention rate vs. 77% for single-service clients.
Industry data
A client who uses you for multiple services has up to 4x the lifetime value of a single-service client.
MarshBerry research
Cross-service relationships reduce annual churn from 23% to as low as 5%. That means your clients stay.
Agentero data
What This Means for You
Lock In Your Clients
When you solve their insurance problem, they stop looking elsewhere for your core services. You become the full-solution partner.
Deepen Trust Instantly
Connecting a client with quality insurance coverage shows you care about their full picture — not just the transaction in front of you.
More Touchpoints, More Business
Insurance renewals create natural annual check-ins with your clients. More conversations mean more opportunities for your primary business.
Upgrade to Licensed Anytime
Start as an unlicensed partner. Test the waters. If you want to earn commission income down the road, get your P&C license and upgrade your track — no re-application needed.
How Licensed Partners Earn
Transparent commission structure. You receive 50% of IPA's share on every placed policy and every renewal.
Personal Lines
IPA's national partner handles all quoting, coverage, and policy management.
How it works
$2,000 avg premium × 15% = $300 total commission. IPA's national partner does all the work and keeps $150. IPA receives $150. We split that 50/50 with you. You earn $75 per household — on new business and every renewal.
Commercial Lines
IPA is contracted directly with Travelers, Hartford, Liberty Mutual, and CNA.
How it works
$8,000 business premium × 15% = $1,200 commission to IPA. You earn 50% = $600 per commercial account. Some carriers pay lower new business rates but 100% on renewals — so your renewal income can be even higher than year one.
Commission percentages vary by state, product, and carrier. Examples shown are for illustration purposes only. Actual earnings depend on premium size, carrier commission rates, and placement rates.
Renewal Income. Every Year.
Every account you place keeps paying. A personal lines client renews annually. A commercial account renews annually. Your portfolio of referred accounts grows into a meaningful income stream — without you doing anything additional after the introduction.
What the Numbers Look Like
These projections are based on personal lines referrals only and do not include commercial lines income, which typically earns significantly more per placement.
| Monthly Referrals | Est. Placed | Monthly Income | Year 1 | Year 2+ |
|---|---|---|---|---|
| 10 referrals/mo | ~4 policies | ~$300/mo | ~$3,600/yr | ~$7,200+/yr |
| 25 referrals/moMost Common | ~10 policies | ~$750/mo | ~$9,000/yr | ~$18,000+/yr |
| 50 referrals/mo | ~20 policies | ~$1,500/mo | ~$18,000/yr | ~$36,000+/yr |
| 100 referrals/mo | ~40 policies | ~$3,000/mo | ~$36,000/yr | ~$72,000+/yr |
Assumes ~40% referral-to-placement rate, $2,000 avg personal lines premium at 15% carrier commission ($75/policy to partner). Actual results vary by account mix, placement rate, and premium size. Year 2+ income reflects renewals compounding from prior year's placed policies. Commercial accounts earn significantly more per placement ($600+ per account).
How 25 Referrals/Month Compounds Over 3 Years
Based on 25 warm referrals/month at 40% placement rate, personal lines only ($75/policy). Does not include commercial account income, which earns significantly more per placement. Results are illustrative only.
Perfect for Professionals Who Already Touch Insurance Decisions
You don't need to change your business. You just need to add one conversation.
Real Estate Agents
Every home sale needs insurance. Instead of sending clients to Google, send them to IPA. Get them covered fast with 50+ carriers — and strengthen the relationship that earned you the sale.
Loan Officers
You already need proof of insurance before closing. Be the person who makes that process easy. Licensed LOs can also earn commission when policies are placed.
CPAs & Tax Preparers
Your clients trust you with their finances. Help them protect what they've built. You become the full-service advisor — not just the tax person.
Auto Dealers
Every vehicle sold needs insurance. You can be the reason your customer calls you first. Personal lines, commercial auto, fleet — IPA has the carrier relationships to get it placed.
Financial Advisors
Insurance is the foundation of every financial plan. Add a natural service extension — without adding licensed staff — and serve your clients more completely.
Other Professionals
If you interact with clients who own homes, vehicles, or businesses — you have referral potential. Apply and we'll show you exactly how it works.
How It Works
Four steps from activation to adding value.
Fill Out a 2-Minute Activation Form
Tell us about your profession and state. No licensing exam. No paperwork stack. Just a quick activation form and you're in.
Get Your Partner Setup
We set you up with a personalized referral link and simple instructions. When a client needs insurance, share your partner link, send a text intro, or submit their basic info through your portal. That's your entire job.
Make One Introduction
"I have a partner whose national network shops 50+ carriers — want me to connect you?" That's it. One sentence. IPA's national partner takes it from there.
IPA's National Partners Handle Everything
Quotes, coverage, paperwork, compliance, service, claims, renewals. IPA's national partner network handles the full job — so you never have to.
You Make the Introduction. We Do the Rest.
IPA has built national carrier relationships and a licensed partner network that handles everything from first quote to annual renewal. You never have to become an insurance expert.
Under the partner agreement, you cannot discuss rates, coverage amounts, or specific carriers with your clients — that's our national partner's job, and it protects you. Your role is the introduction. Our licensed professionals take it from there.
Common Questions
Do I need an insurance license?+
What's the difference between a licensed and unlicensed partner?+
How does the 50% commission work? (Licensed Partners only)+
Do I have to talk about insurance with my clients?+
Can I refer commercial clients?+
What if I get my P&C license later?+
Activate Your IPA Partner Account Today
Takes 2 minutes. No license required. Become the go-to insurance resource for every client in your network.
Questions? Licensed Agreement · Unlicensed Agreement · Terms & Conditions