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  • Smart Choice - Insurance Clusters
    Hi Everyone, I am a new independent insurance agency, and I am looking for markets for my customers. I have been reading the forum, and doing research on the Webb regarding insurance clusters. I spoke with the people at smart choice, which sounds like a pretty good fit for my agency. I would like to hear from anyone who has used Smart Choice to place business, if you have any Pros,......
  • New York Insurance Clusters
    Hi All, I am a new independent agent in NY, and getting appointments has been very challenging. Does anyone have any experience with working with clusters, who would you recommend to go with, and who would you recommend to stay away form. Do you have any pro's, con's, or any experiences with them that you can share?? Thanks in advance for any feedback anyone can provide....
  • P&C Start Up
    Hello Everyone, We are an agency in the state of Florida, we have been doing business in Life and health for some time now. We have a large number of clients that we would like to work with in P&C, but it is completely different from life and health. I've read about some ways to get started such as becoming a member of an alliance or cluster. Now I would like to know in your experience,......
  • Wholesaler, Aggregators, and Clusters in TN?
    Currently working for a captive in Tn. Considering going independent. I am wanting to get some opinions on which aggregators, wholesalers, or clusters are the best to deal with? I intent on writing personal lines and commercial lines. Lets hear your opinions on who is your recommendation? Why do you like them? Who to steer clear of and why? What type of support do they offer you? How......
  • 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......