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  • Thoughts on Agency Clusters/Aggregators?
    I have a smaller book of business in NJ that I am looking to double by years end. I just lost my agent that I have been putting my personal auto business through. I am considering signing up with an Agency Network/Cluster/Aggregator. So far I have spoken to the NJ Branch of SIAA. What is the overall opinion of these companies? Are they beneficial? Thanks in Advance!...
  • Observations & Questions from a Hawaii Captive Moving to Maryland - Scratch/clusters/newbies?
    First off I am a newbie so please bear with me. I have product knowledge from a captive producer standpoint but IA is foreign. I am currently learning the trade through a successful Big Box agent in Hawaii. I make a good salary with, all things considered, good commissions. 1.5 years experience. The end goal is to have financial freedom through an independent agency focusing on PNC. I am......
  • Cost/rates of life insurance clusters
    I'm starting my own Independent Life Insurance Agency and want to know some good aggregator/cluster companies and what do they usually charge when it comes to fees? What's an average price? I understand it depends on my contract how much % commission they get, but want to know what they initially charge? And also how does it work? Do they set up direct appointments? Am I guaranteed to get......
  • Starting P&C Agency. Insurance Clusters
    Hello, Just wanted to get feedback from P&C agents that work with insurance groups like Smart Choice, Insurance Noodles and others. I would like to keep my independence without going captive. I have been selling P&C for five years, placing personal and commercial business with agency. Recently they sold the book and I need to find out a better way to build a book of business that I could......
  • Looking at Groups and Clusters to Join
    Does anyone have any experience with Superior Access. I know there are a few groups out there. Wanted to positive and negative on ones to look at....
  • Clusters with Fast Turn Around Time?
    Do you know of any companies that provide assignments and can have a quotes done faster than 24 hours? I believe Smart Choice is 24hours. Are there any others that are faster and if I sign up with Smart choice am I only tied to their carriers? Looks like insurehive I would need to get my own assignments first then sign up with them. I am freshly starting and independent agency and looking......
  • Insurance Clusters Monopolizing the Market? Help!
    So I'm coming from the life and health side looking to enter P&C. Got my license easy enough. However now I'm sitting on it with no appointments. getting with other independent agencies is near impossible and wouldn't allow me to stay truly independent on the life side. So naturally me being tired of shackels on my ankles decide to take the hard route and strike it on my own. I know it's not......
  • Point of Clusters and Agents Leaving
    I'm not in the business so I am probably 100% off here, but why don't independent agents sign up with clusters, use them to get directly appointed, and then immediately leave with those direct appointments and go be 100% independent with no commission split or fee? Sure it might cost them an initiation fee, but that is probably worth the cost to get access to a cluster carriers with no commission......