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Text Content

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 10,000 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

There are so many different contracts out there. Smart Choice to me was the most
helpful and they allowed me to own my own book.
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 provides a vast choice of carriers to place insurance including
access to Nationwide Insurance Commercial policies.
After comparing Smart Choice to other competitors, I found that some wanted as
much as $12,500 upfront and if you sell your agency 30% of the sale. I looked at
more than 15 networks -- tracking and comparing the options on a spreadsheet --
coming to the decision that Smart Choice was the right fit for my agency

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.
Smart Choice makes me look really good, and bigger than my agency is.
When I met with Network X and Network Y, all I heard was talk about money – how
much of my money they’re going to take. When I met with Smart Choice, they
talked about opportunity, and how they would walk alongside me because they have
a vested interest in my success.
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!

Teaming up with Smart Choice makes it a lot easier to serve your clients as
you're in a better position to eliminate coverage barriers.
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.
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.
The accounting team at Smart Choice and their online portal is very clear and
makes our reconciliation job very easy.
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.
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.
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.

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.
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.
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.
One of the things that everybody must look at is that lack of a setup or
initiation fee when you are starting a small business. This is huge because
having a network tell you, ‘Hey, we're going to partner with you, but we need
you to bring five digits to the table’. Like, man, I don't have five digits.
That's not where mid 20 somethings who just got fired are sitting in life.
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.
Smart Choice quickly got me direct appointments with Allstate, Travelers,
Hartford and Branch. Plus, they offer mentors and experts like my territory
manager – who is like Yoda – she teaches me everything.
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.
My goal is to continue to grow my Agency and having Smart Choice partner with us
to identify opportunities to purchase books was unexpected.
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.
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.
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%.
What made Smart Choice a godsend to us is that I can talk to a Commercial Lines
prospect for 10 minutes, send it to Smart Start and within 2 hours they are
covered.
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.

Having access to more carriers has enabled us to dramatically grow our business
and in just the last 12 months, our premium has grown 53% in the Smart Start
program!
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.
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.
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.
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.
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.
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.
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.
I interviewed three different agency networks and obtained copies of their
contracts. My attorney reviewed all three and she told me, ‘Smart Choice is the
most transparent and the most fair.'
I spoke with two other networks/aggregators and their contract was like 3 inches
thick – they were like Hotel California… you could check in, but you can’t check
out.
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.
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%.
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.
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.
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
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!
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.
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 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.
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.
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.
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 so many different contracts out there. Smart Choice to me was the most
helpful and they allowed me to own my own book.
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 provides a vast choice of carriers to place insurance including
access to Nationwide Insurance Commercial policies.
After comparing Smart Choice to other competitors, I found that some wanted as
much as $12,500 upfront and if you sell your agency 30% of the sale. I looked at
more than 15 networks -- tracking and comparing the options on a spreadsheet --
coming to the decision that Smart Choice was the right fit for my agency

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.
Smart Choice makes me look really good, and bigger than my agency is.
When I met with Network X and Network Y, all I heard was talk about money – how
much of my money they’re going to take. When I met with Smart Choice, they
talked about opportunity, and how they would walk alongside me because they have
a vested interest in my success.
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!

Teaming up with Smart Choice makes it a lot easier to serve your clients as
you're in a better position to eliminate coverage barriers.
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.
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.
The accounting team at Smart Choice and their online portal is very clear and
makes our reconciliation job very easy.
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.
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.
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.

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.
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.
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.
One of the things that everybody must look at is that lack of a setup or
initiation fee when you are starting a small business. This is huge because
having a network tell you, ‘Hey, we're going to partner with you, but we need
you to bring five digits to the table’. Like, man, I don't have five digits.
That's not where mid 20 somethings who just got fired are sitting in life.
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.
Smart Choice quickly got me direct appointments with Allstate, Travelers,
Hartford and Branch. Plus, they offer mentors and experts like my territory
manager – who is like Yoda – she teaches me everything.
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.
My goal is to continue to grow my Agency and having Smart Choice partner with us
to identify opportunities to purchase books was unexpected.
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.
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.
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%.
What made Smart Choice a godsend to us is that I can talk to a Commercial Lines
prospect for 10 minutes, send it to Smart Start and within 2 hours they are
covered.
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.

Having access to more carriers has enabled us to dramatically grow our business
and in just the last 12 months, our premium has grown 53% in the Smart Start
program!
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.
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.
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.
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.
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.
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.
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.
I interviewed three different agency networks and obtained copies of their
contracts. My attorney reviewed all three and she told me, ‘Smart Choice is the
most transparent and the most fair.'
I spoke with two other networks/aggregators and their contract was like 3 inches
thick – they were like Hotel California… you could check in, but you can’t check
out.
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.
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%.
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.
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.
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
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!
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.
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 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.
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.
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.
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 so many different contracts out there. Smart Choice to me was the most
helpful and they allowed me to own my own book.




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   2024 ISSUE II - EXPRESS MARKETS
   
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