Step 1: Identify the Referral Moment
Insurance referral moments are everywhere once you start looking: a client mentions buying a home or investment property, starts a new business or adds employees, purchases a vehicle, mentions their insurance is expensive or they haven't shopped in years, or goes through a major life change like divorce, inheritance, or retirement.
Step 2: Make the Introduction
- In person or by phone: "I work with an insurance agency that shops top-rated national carriers. They often find better rates than what people are currently paying. Want me to have them reach out?"
- By text: "Hey, for your homeowners insurance, here's a link to request a quote from IPA — they shop the whole market. [your referral link]"
- By email: "As you get closer to closing, you'll need homeowners insurance. I refer my clients to IPA — they compare 50+ carriers and handle everything professionally."
Step 3: Let IPA Handle the Rest
Once you've made the introduction, step back. IPA's national partners take over — contacting the client, running the market comparison, presenting options, and placing the policy.
Step 4: Receive Your Referral Compensation
IPA processes referral compensation monthly. Every placed policy from your referrals generates a fee that appears in your monthly earnings summary and is paid via ACH. Annual renewals generate additional credits automatically.