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Skip to main content TOP BAR LINKS * About * Blog + Magazine * Contact * State Resources * Agent Log In * Become an Agent Toggle navigation MAIN NAVIGATION * Agent Services * Commercial * Personal * Excess + Surplus * Life * Find Carriers * Get Started TOP BAR LINKS * About * Blog + Magazine * Contact * State Resources * Agent Log In * Become an Agent MAIN NAVIGATION * Agent Services * Commercial * Personal * Excess + Surplus * Life * Find Carriers * Get Started WE PARTNER WITH 100+ CARRIERS AND HAVE OVER 3,000 PRODUCTS We provide independent insurance agents with access to top-rated markets, product training, and sales and marketing support — and we're the only no-fee program of our kind. Get Started Build your book of business through Smart Choice® Find the right program Identify and get appointed with the carriers in your state Find carriers SMART CHOICE® YOUR INDEPENDENT INSURANCE AGENCY NETWORK Smart Choice is a network of over 9,750 independent agencies and more than 120 carriers. Collectively our agency partners represent more than $11 billion in written premiums. We're the fastest growing agency network in the nation for a reason - we put our agency partners first. Grow your book of business, increase your revenue, and be able to put your own clients first by partnering with Smart Choice. Click for sound 5:09 WAYS TO PARTNER WITH SMART CHOICE Get appointed with personal and commercial carriers Learn More Write personal & commercial business without appointments Learn More Get immediate access to excess & surplus carriers and partners Learn More Write life, long-term care, disability, and annuities Learn More ACCESS TOP-RATED CARRIERS Find Carriers in Your State Are you a consumer or business looking for an insurance policy? Click here. WRITE BUSINESS THROUGH SMART CHOICE * Commercial * Personal * Excess + Surplus * Life THE FREEDOM TO SUCCEED SMART CHOICE LETS AGENTS — NEW, SEASONED, AND OWNER-AGENTS — GROW ON THEIR TERMS AND TIMETABLE. We provide independent insurance agents with access to top-rated markets, product training, and sales and marketing support–and we’re the only no-fee program of our kind! More about Smart Choice Douglas S. Witcher, Smart Choice Founder and CEO * * * * * WHY INDEPENDENT AGENTS PARTNER WITH SMART CHOICE Smart Choice has allowed me to get direct appointments with carriers that I wouldn't have been able to get on my own or even through referrals. I’m proof that Smart Choice is able to take a teachable agent from zero to more than $2 million in just a few years. I’ll probably surpass $250,000 in commission this year, simply because I trusted Smart Choice’s guidance We thought Smart Choice would be fairly hands-off with a basic level of service. On the contrary, they’ve really become a valuable partner for our agency, being supportive, responsive and incredibly committed to our success. Our revenue has increased significantly since we’ve joined Smart Choice. We were able to reach the commission cap in a short period of time and we’re now able to get paid 100% commission and participate in profit sharing on an annual basis. This is something that we never had before when we worked exclusively with wholesalers. Bestow's Term Life Instant Issue is a complete game changer allowing our agency to be well rounded in our day-to-day prospecting and servicing of our policyholders. The amount of time this product saves our agency is incredible. Our clients are thoroughly impressed by how user friendly it is with applications taking no more than 15 minutes. More importantly, the Bestow Instant Issue allows the client to be in control of creating their own legacy without feeling pressured. In less than two months thus far with Bestow, we are on pace to increase our gross commissions for our agency by 25%. We started in November of 2019, and we've got a $4 million book of insurance. We're writing over $200,000.00 of business every single month. Plus, new agents are interviewing and joining our team every month. Of course, Smart Choice can’t take all of the credit for this, but the network has made a big impact. Smart Choice has been great to me. They gave me the opportunity to have this agency and to be successful. In the future, I will roll business with any new carriers to Smart Choice because they’ve been so great to us. Having the availability of carriers without the commitment for production along with the broad range of larger national carriers (Allstate, Nationwide, etc.) creates the image of a large agency regardless of actual size -- giving us the ability to compete with anyone in the industry. It is so exciting to offer the Bestow product! It is quick and easy for potential clients to understand. I appreciate the simplicity of the site, and it's a great product to offer and discuss when I'm in front of a customer. It definitely saves time for me which is the most valuable asset as an Insurance Agent. Easy sell and addition to my agency. Having direct access to carriers has been a huge help in allowing us to respond to our client’s needs in a fast and efficient manner. Partnering with Smart Choice has had a HUGE impact. I have grown my business far more than I could have expected and it was because Smart Choice provided access to the markets needed to be successful. It used to be that my hesitation to write life insurance policies was the TIME that it took! But, with customer demand high and the potential for increased revenue I decided to partner with Smart Choice because of the ease in issuing most life policies. Our Smart Choice Territory Manager (TM) is amazing, and I knew that he would help me become successful in a challenging insurance environment. My agency would not be where it is today if it wasn’t for Smart Choice and my TM, Chris Reisdorf. When I decided to go out on my own the hard part was getting carrier appointments. So, I looked into different aggregators and networks and for several of them, I would have had to pay a large down payment -- with Smart Choice there were no fees. Bottom line is that our business has grown dramatically every year, I’ve hired three people and I wouldn’t be here if it wasn’t for Smart Choice. They really helped me. I have been an agent for 20 years and never seen anything as easy to sell life insurance as we have found in Bestow. We just send our agency link over to an interested prospect for a quick online app -- which literally takes less than 5 minutes for the prospect to complete. In a couple minutes the applicant will know if they have been approved and they are issued a policy right then and there. Very little work is done on our end, but we still get to reap those nice commission checks. Bestow has proven to be a win-win for our agency! Express Markets offerings have allowed us to create a niche, making it possible for us to place business for our clients others won’t or can’t. Life insurance offers great commissions. Since I am a start from scratch agency it’s going to take a couple of years to build the residuals in the P&C market. Life allows me to make huge gains in revenue to offset that. It has also open doors for my P&C by getting me in front of customers that I might not have if they hadn’t requested a quote. Smart Choice is always adding new carriers and providing incentives to qualify for additional compensation which allows our agency to perform at the highest level. The accounting team at Smart Choice and their online portal is very clear and makes our reconciliation job very easy. Everything has worked out great. I capped as an agent last September. Everything that they told me was going to happen with the pay structure has happened. I can tell by what they offer to me such as giving me direct contracts with companies… I know that they’re not in it just to make money. They’re there truly to help me build my agency and help me become a better agent. I did a ton of research before I even reached out to any of the aggregators, clusters and networks -- I had to learn what the difference was! Smart Choice stood out in a few ways with the cap and being able to write all the major insurance companies. One of the most challenging things we face as an independent agency would be the lack of carriers you can acquire if your agency does not have a large book of business. If you can’t get access, you just can’t compete. Smart Choice gets us that access and to over one hundred carriers which means I can offer multiple policies to clients assuring a good fit and a successful sale. If I was making this decision again, I would in a heartbeat! Our revenue has been significantly bolstered working with Smart Choice – we’re hitting bonus multipliers we wouldn’t be able to reach otherwise – like 4.5% in aggregate instead of 2.5%. Smart Choice has a lot of carriers that help me place my clients and grow my business. I like the 100% book ownership and fair split structure. My territory manager helps me get appointed and find the carrier(s) to fill my client’s needs. The impact on our agency has been significant. We were able to reach the commission cap in a very short period of time which now allows us to be paid 100% of the commission from the carriers. We also qualified for profit sharing this year which greatly impacted our agencies revenue. We wanted to try to get “single entry” market access to standard lines carriers. Since we are a smaller agency, it would have taken us forever to achieve the volume required to get direct contracts with some companies. Smart Choice makes it much easier to know where we are going. The MGA’s we used previously had inconsistent service, were often gobbled up by other MGA’s and we get lost in the shuffle. My goal is to continue to grow my Agency and having Smart Choice partner with us to identify opportunities to purchase books was unexpected. Any time we have questions about where to place business, or best practices on how to work with certain companies, our Smart Choice rep is more than willing to help. He’s knowledgeable and I don’t remember a time when one of my agents has had a question that he hasn’t been able to answer. In the beginning of my career, only having access to one carrier as a captive— even at my very best, I would be lucky to close 15 to 20% of the deals that came my way. With Smart Choice giving me the options and the capability to quote so many carriers, it’s extended my closing ratio up to 75 to 80%. We are consistently presented with markets as they become available rather than having to seek them out on our own. It is nice to have options for our risks, and to know a Smart Choice carrier partner can be trusted. As a scratch agency, we had very little premium to show to carriers. Smart Choice allowed us the opportunity to get appointed with carriers that we wouldn’t have been able to get otherwise. It’s hard to imagine running this agency without the support of Smart Choice. The reality of being a brokerage is that it is significantly more complex because every writing company has its unique differences. Smart Choice helps us solve that problem by giving us one central point of contact for help with dozens of writing companies. It prevents us from getting caught in the minutiae and lets us focus on what matters most: serving our customers. Our State Director at Smart Choice (Todd Alexanderson) is ALWAYS here and available for us when we need anything. He uses his connections with carriers to really help us beyond our expectations. There are other aggregator type groups out there, but I feel like their contracts tie you in much longer and much deeper. One big advantage is that Smart Choice stops taking a commission percentage once a certain level is reached. With some of these other networks and aggregators, you don’t have that cap. They’re going to take a percentage of what you do in perpetuity, and they’re going to take it at that same percentage no matter how big your book gets. To me, that makes Smart Choice a very equitable and fair proposition. I've used Bestow with some of my insurance cases and I'm impressed! The communication, ease of doing business, and follow-up have been amazing. Once the policy was applied for through my custom link, the client received an active policy within minutes. Bestow understands what is important to the agent and client satisfaction. I will not hesitate to use Bestow again and again. They’re not hovering over me telling me to do things a certain way. We're still able to run our agency exactly the same, because it is exactly the same. With Smart Choice, there's no buy-in. They don’t say you’ve got to pay $10,000 to get in or $50,000 to get out. There's none of that. All those restrictions that make me unsure if I want to jump in the water – all that's been removed with this network. Smart Choice provides a vast choice of carriers to place insurance including access to Nationwide Insurance Commercial policies. I have been a partner with Smart Choice since November, 2003 and have enjoyed every minute of it. Starting out, Companies wouldn’t appoint my Agency because of size. Smart Choice didn’t require policy achievements so this allowed my Agency to partner with prominent carriers. As my Agency grew, I was able to achieve 100% of my commissions. Without Smart Choice, I wouldn’t be where I am today. Good Luck and Happy Selling. Smart Choice has been instrumental in our success because they put the agency’s best interests at heart and will do whatever is necessary to help them succeed. There were some unexpected benefits of working with Smart Choice. I was surprised how fast I was able to get direct appointments and all the extra commissions if you exceed the required amount set forth. And it seemed that just about every carrier offered extra cash incentives. Smart Choice has allowed me to get direct appointments with carriers that I wouldn't have been able to get on my own or even through referrals. I’m proof that Smart Choice is able to take a teachable agent from zero to more than $2 million in just a few years. I’ll probably surpass $250,000 in commission this year, simply because I trusted Smart Choice’s guidance We thought Smart Choice would be fairly hands-off with a basic level of service. On the contrary, they’ve really become a valuable partner for our agency, being supportive, responsive and incredibly committed to our success. Our revenue has increased significantly since we’ve joined Smart Choice. We were able to reach the commission cap in a short period of time and we’re now able to get paid 100% commission and participate in profit sharing on an annual basis. This is something that we never had before when we worked exclusively with wholesalers. Bestow's Term Life Instant Issue is a complete game changer allowing our agency to be well rounded in our day-to-day prospecting and servicing of our policyholders. The amount of time this product saves our agency is incredible. Our clients are thoroughly impressed by how user friendly it is with applications taking no more than 15 minutes. More importantly, the Bestow Instant Issue allows the client to be in control of creating their own legacy without feeling pressured. In less than two months thus far with Bestow, we are on pace to increase our gross commissions for our agency by 25%. We started in November of 2019, and we've got a $4 million book of insurance. We're writing over $200,000.00 of business every single month. Plus, new agents are interviewing and joining our team every month. Of course, Smart Choice can’t take all of the credit for this, but the network has made a big impact. Smart Choice has been great to me. They gave me the opportunity to have this agency and to be successful. In the future, I will roll business with any new carriers to Smart Choice because they’ve been so great to us. Having the availability of carriers without the commitment for production along with the broad range of larger national carriers (Allstate, Nationwide, etc.) creates the image of a large agency regardless of actual size -- giving us the ability to compete with anyone in the industry. It is so exciting to offer the Bestow product! It is quick and easy for potential clients to understand. I appreciate the simplicity of the site, and it's a great product to offer and discuss when I'm in front of a customer. It definitely saves time for me which is the most valuable asset as an Insurance Agent. Easy sell and addition to my agency. Having direct access to carriers has been a huge help in allowing us to respond to our client’s needs in a fast and efficient manner. Partnering with Smart Choice has had a HUGE impact. I have grown my business far more than I could have expected and it was because Smart Choice provided access to the markets needed to be successful. It used to be that my hesitation to write life insurance policies was the TIME that it took! But, with customer demand high and the potential for increased revenue I decided to partner with Smart Choice because of the ease in issuing most life policies. Our Smart Choice Territory Manager (TM) is amazing, and I knew that he would help me become successful in a challenging insurance environment. My agency would not be where it is today if it wasn’t for Smart Choice and my TM, Chris Reisdorf. When I decided to go out on my own the hard part was getting carrier appointments. So, I looked into different aggregators and networks and for several of them, I would have had to pay a large down payment -- with Smart Choice there were no fees. Bottom line is that our business has grown dramatically every year, I’ve hired three people and I wouldn’t be here if it wasn’t for Smart Choice. They really helped me. I have been an agent for 20 years and never seen anything as easy to sell life insurance as we have found in Bestow. We just send our agency link over to an interested prospect for a quick online app -- which literally takes less than 5 minutes for the prospect to complete. In a couple minutes the applicant will know if they have been approved and they are issued a policy right then and there. Very little work is done on our end, but we still get to reap those nice commission checks. Bestow has proven to be a win-win for our agency! Express Markets offerings have allowed us to create a niche, making it possible for us to place business for our clients others won’t or can’t. Life insurance offers great commissions. Since I am a start from scratch agency it’s going to take a couple of years to build the residuals in the P&C market. Life allows me to make huge gains in revenue to offset that. It has also open doors for my P&C by getting me in front of customers that I might not have if they hadn’t requested a quote. Smart Choice is always adding new carriers and providing incentives to qualify for additional compensation which allows our agency to perform at the highest level. The accounting team at Smart Choice and their online portal is very clear and makes our reconciliation job very easy. Everything has worked out great. I capped as an agent last September. Everything that they told me was going to happen with the pay structure has happened. I can tell by what they offer to me such as giving me direct contracts with companies… I know that they’re not in it just to make money. They’re there truly to help me build my agency and help me become a better agent. I did a ton of research before I even reached out to any of the aggregators, clusters and networks -- I had to learn what the difference was! Smart Choice stood out in a few ways with the cap and being able to write all the major insurance companies. One of the most challenging things we face as an independent agency would be the lack of carriers you can acquire if your agency does not have a large book of business. If you can’t get access, you just can’t compete. Smart Choice gets us that access and to over one hundred carriers which means I can offer multiple policies to clients assuring a good fit and a successful sale. If I was making this decision again, I would in a heartbeat! Our revenue has been significantly bolstered working with Smart Choice – we’re hitting bonus multipliers we wouldn’t be able to reach otherwise – like 4.5% in aggregate instead of 2.5%. Smart Choice has a lot of carriers that help me place my clients and grow my business. I like the 100% book ownership and fair split structure. My territory manager helps me get appointed and find the carrier(s) to fill my client’s needs. The impact on our agency has been significant. We were able to reach the commission cap in a very short period of time which now allows us to be paid 100% of the commission from the carriers. We also qualified for profit sharing this year which greatly impacted our agencies revenue. We wanted to try to get “single entry” market access to standard lines carriers. Since we are a smaller agency, it would have taken us forever to achieve the volume required to get direct contracts with some companies. Smart Choice makes it much easier to know where we are going. The MGA’s we used previously had inconsistent service, were often gobbled up by other MGA’s and we get lost in the shuffle. My goal is to continue to grow my Agency and having Smart Choice partner with us to identify opportunities to purchase books was unexpected. Any time we have questions about where to place business, or best practices on how to work with certain companies, our Smart Choice rep is more than willing to help. He’s knowledgeable and I don’t remember a time when one of my agents has had a question that he hasn’t been able to answer. In the beginning of my career, only having access to one carrier as a captive— even at my very best, I would be lucky to close 15 to 20% of the deals that came my way. With Smart Choice giving me the options and the capability to quote so many carriers, it’s extended my closing ratio up to 75 to 80%. We are consistently presented with markets as they become available rather than having to seek them out on our own. It is nice to have options for our risks, and to know a Smart Choice carrier partner can be trusted. As a scratch agency, we had very little premium to show to carriers. Smart Choice allowed us the opportunity to get appointed with carriers that we wouldn’t have been able to get otherwise. It’s hard to imagine running this agency without the support of Smart Choice. The reality of being a brokerage is that it is significantly more complex because every writing company has its unique differences. Smart Choice helps us solve that problem by giving us one central point of contact for help with dozens of writing companies. It prevents us from getting caught in the minutiae and lets us focus on what matters most: serving our customers. Our State Director at Smart Choice (Todd Alexanderson) is ALWAYS here and available for us when we need anything. He uses his connections with carriers to really help us beyond our expectations. There are other aggregator type groups out there, but I feel like their contracts tie you in much longer and much deeper. One big advantage is that Smart Choice stops taking a commission percentage once a certain level is reached. With some of these other networks and aggregators, you don’t have that cap. They’re going to take a percentage of what you do in perpetuity, and they’re going to take it at that same percentage no matter how big your book gets. To me, that makes Smart Choice a very equitable and fair proposition. I've used Bestow with some of my insurance cases and I'm impressed! The communication, ease of doing business, and follow-up have been amazing. Once the policy was applied for through my custom link, the client received an active policy within minutes. Bestow understands what is important to the agent and client satisfaction. I will not hesitate to use Bestow again and again. They’re not hovering over me telling me to do things a certain way. We're still able to run our agency exactly the same, because it is exactly the same. With Smart Choice, there's no buy-in. They don’t say you’ve got to pay $10,000 to get in or $50,000 to get out. There's none of that. All those restrictions that make me unsure if I want to jump in the water – all that's been removed with this network. Smart Choice provides a vast choice of carriers to place insurance including access to Nationwide Insurance Commercial policies. I have been a partner with Smart Choice since November, 2003 and have enjoyed every minute of it. Starting out, Companies wouldn’t appoint my Agency because of size. Smart Choice didn’t require policy achievements so this allowed my Agency to partner with prominent carriers. As my Agency grew, I was able to achieve 100% of my commissions. Without Smart Choice, I wouldn’t be where I am today. Good Luck and Happy Selling. Smart Choice has been instrumental in our success because they put the agency’s best interests at heart and will do whatever is necessary to help them succeed. There were some unexpected benefits of working with Smart Choice. I was surprised how fast I was able to get direct appointments and all the extra commissions if you exceed the required amount set forth. And it seemed that just about every carrier offered extra cash incentives. Smart Choice has allowed me to get direct appointments with carriers that I wouldn't have been able to get on my own or even through referrals. GET THE MOST RECENT NEWS AND UPDATES See all news and posts * Blog SHOULD YOU BECOME AN INDEPENDENT AGENT TO SURVIVE THE HARD MARKET? Whether a captive insurance agent should transition to become an independent insurance agent during a hard market is a decision that depends on several factors. While there are potential benefits to transitioning, it's important to consider the following points before making a decision. Read more * Blog SIX ESSENTIAL SKILLS FOR BECOMING A SUCCESSFUL INSURANCE AGENT To excel in this profession, it's essential to develop a specific set of skills that will set you apart from the competition. Read more * Blog UNDERSTANDING THE ROLE OF A CAPTIVE INSURANCE AGENT Insurance agents work diligently to provide individuals and businesses with the coverage they need to protect their assets. In the insurance world, there are several different ways to access coverage – through the assistance of a captive or independent agent, or online/direct. Read more Subscribe to our Smart Choice E-Zine ALWAYS BE IN THE KNOW! Complete this form to receive the Smart Choice E-Zine in your inbox every other month, with valuable articles, industry information and Smart Choice updates. First Name Last Name Email Lead Status Agency Name Newsletter Newsletter Lead Source reCAPTCHA helps prevent automated form spam. The submit button will be disabled until you complete the CAPTCHA. Smart Choice Gives You the Freedom to Succeed. Get Started Office: 4121 Beechwood Dr. Greensboro, NC 27410 Mailing: 1589 Skeet Club Rd. #102-PMB349, High Point, NC 27265 888.264.3388 | info@smartchoiceagents.com FOOTER MENU * Agent Services * Find Carriers * Commercial Markets * Personal Markets * Excess & Surplus Markets * Life Markets * About * Get Started * Advertising Opportunities Already an agent? Agent Log In © 2023 Worldwide Insurance Network LLC Privacy PolicyTransparency in Coverage Website Design by Alloy Digital Agency