Easiest Insurance Companies to Gain Access With: Top Picks

For independent insurance agents, getting appointed with the right insurance companies is crucial for success. This will help you sell policies on behalf of the companies and expand your product offerings. 

However, not every insurance carrier is easy to work with, and some require a more extensive process. Knowing which companies are easy to partner with can save time and effort, allowing you to focus on building your business. 

This article will help you explore the easiest insurance companies to gain access with, including tips to help agents make the best decision.

To further simplify the appointment process, First Connect Insurance offers a platform that connects you with multiple carriers, making it easier to gain access and start growing your agency.

Key takeaways

• Knowing which insurance companies are the easiest to gain access with can streamline an agent’s business growth.
• There are numerous insurance types to sell, such as life, auto, and P&C, and a wide variety of insurance carriers for independent agents. 
• Partnering with a carrier platform like First Connect Insurance can lead to better commission structures, diverse product lines, and support for business development.
• Agents should consider company reputation, commission rates, and customer service when choosing the best and easiest insurance companies to gain access with.

First Connect’s best insurance companies for independent insurance agents

Independent agents rely on strong partnerships with top insurance carriers to offer their clients the best coverage options.

Here are some of the best insurance types to sell and the easiest insurance companies to gain access with.

Homeowners Insurance

Homeowners insurance provides financial protection against damage to a home and its contents, as well as liability coverage in case of accidents that occur on the property. It is essential for anyone who owns a home, and independent agents can find a variety of homeowners insurance options to suit their clients’ needs.

Delos insurance

Delos Insurance offers comprehensive homeowners insurance designed to protect clients’ homes and personal property against various risks. Their homeowners policy includes coverage for dwelling, personal belongings, liability, and additional living expenses in case of a covered loss. 

The claims process is straightforward, with a dedicated support team available to assist clients through each step, ensuring peace of mind in the event of a loss. Independent agents appreciate Delos’s competitive pricing and flexible underwriting, which allow them to provide their clients with the best possible coverage tailored to their individual circumstances. Currently, Delos Insurance is available exclusively in California.

Flood insurance

Flood insurance is crucial for homeowners in flood-prone areas. Standard homeowners insurance policies typically do not cover flood damage, so it is important for agents to offer specialized flood insurance products to their clients. This can help protect their homes and belongings from devastating flood-related losses.

Aon Edge

Aon Edge specializes in providing comprehensive flood insurance solutions designed for the unique needs of homeowners and businesses in flood-prone areas. As an independent agent or agency, partnering with Aon Edge allows you to offer your clients robust coverage that protects against the financial impact of flood-related damages, which are typically excluded from standard homeowners policies.

Aon Edge’s flood insurance products feature customizable options, including building coverage, personal property protection, and additional living expenses, ensuring that clients have the necessary safeguards in place. The company is committed to streamlining the application process with a user-friendly platform that allows agents to quickly generate quotes and manage policies efficiently.

Independent agents benefit from Aon Edge’s competitive commission structure and dedicated support team, which provides training and resources to help agents educate their clients on the importance of flood insurance. With Aon Edge, agents can confidently offer reliable flood protection, ensuring their clients are prepared for unforeseen events.

Specialty lines insurance

Specialty lines insurance covers unique and specialized risks that are not typically included in standard insurance policies. This can include coverage for high-value items, such as art or jewelry, as well as niche markets like aviation or marine insurance. Independent agents can benefit from offering specialty lines to meet the specific needs of their clients.

Aegis Insurance

Aegis Insurance specializes in providing comprehensive specialty lines coverage tailored to meet the unique needs of clients with non-standard risks. With a focus on niche markets, Aegis offers independent agents access to innovative products, unique assets, and industry-specific liabilities.

Their streamlined application process and user-friendly platform enable agents to quickly obtain quotes and customize policies for their clients. Aegis is committed to supporting independent agencies with competitive commissions and dedicated resources, empowering agents to effectively address the specific challenges faced by their clients in specialized sectors.

Commercial Insurance

Commercial insurance is essential for businesses of all sizes, providing protection against risks such as property damage, liability claims, and business interruptions. Independent agents can help their clients find the right commercial insurance policies to safeguard their businesses and ensure they have the coverage they need to operate effectively.

Coterie

Coterie offers tailored commercial lines insurance designed for small to medium-sized businesses. Focused on simplifying the insurance process, Coterie provides independent agents with quick quotes and efficient policy management through its innovative platform. Their offerings include general liability, property insurance, and specialized coverage options, allowing agents to customize policies for various industries.

With transparent pricing and flexible underwriting, Coterie supports agents in serving a wide range of business needs. The carrier also provides dedicated support and training resources, empowering independent agencies to confidently expand their commercial insurance offerings.

Auto insurance 

Auto insurance is mandatory in almost every state, making it an essential product for individuals and a foundational offering for insurance providers. Partnering with a reputable auto insurance carrier can open opportunities to upsell additional products, such as home insurance. Several types of car insurance policies are available to cover damages and injuries, including:

• Liability coverage
• Uninsured/underinsured motorist coverage (UM)
• Personal injury protection (PIP)
• Medical payment coverage
• Comprehensive and collision coverage

Bristol West

Bristol West Bristol West is recognized for its affordable auto insurance policies and commitment to independent agents. It offers a variety of coverage options, including liability, collision, and comprehensive plans, making it suitable for diverse client needs. 

The carrier’s user-friendly platform enhances policy management efficiency, allowing agents to serve their clients effectively. With a strong focus on customer service and a straightforward claims process, Bristol West is a reliable partner for independent agents seeking to expand their offerings in the auto insurance market.

Property and Casualty (P&C) insurance

Property and casualty insurance is an umbrella term that includes different types of insurance, such as homeowners, renters, auto, and power sports insurance.

It generally covers property (like homes and belongings) and liability (injuries or damages to others) and is vital for homeowners, car owners, and business operators.

Seeking a wide client base? Property and casualty insurance can be a great option.

Foremost Insurance

Foremost Insurance is recognized for its specialization in niche markets, offering tailored coverage for unique needs such as mobile homes, motorcycles, and recreational vehicles. With a strong focus on providing comprehensive insurance solutions, Foremost combines competitive pricing with personalized service, making it an attractive option for independent agents. 

The company is particularly valued for its expertise in insuring high-risk properties and unique assets, which helps agents cater to a broader client base. With Foremost, agents can easily access flexible policy options and support, positioning it as a reliable partner in the Property and Casualty insurance market.

Life insurance 

Life insurance is crucial if a family relies on one income. LIMRA, an industry-funded research firm, reports that 44% of U.S. households would struggle within six months if the main earner died, and 28% would struggle in just one month. 

Life insurance helps replace lost income. There are two main types: term life insurance and permanent life insurance. 

Curious to know which types of insurance are the most profitable for independent agents? Life insurance is a top choice because it offers some of the highest commissions in the industry.

Nationwide 

Nationwide is a well-known life insurance company and one of the easiest to gain access with. They offer many types of life insurance, such as term, whole, and universal, so agents and consultants can find what their clients need. 

It also has one of the largest selections of products and is a top provider of riders, which allows you to customize coverage for your clients.

Moreover, the insurer’s policies include free-living benefits, which pay out while your clients are still alive if they have a critical, chronic, or terminal illness.

Their flexible underwriting makes it easy for independent agents to gain access. Overall, Nationwide is known for its top-rated customer service, competitive commissions, and wide range of products.

Benefits of partnering with an insurance company 

Getting an insurance carrier appointment is important for insurance agents, consultants, or agencies. 

These appointments allow them to build a formal relationship with a carrier and start selling their products. However, selling is just one benefit of getting an appointment. 

This partnership can open doors to new opportunities, increase earning potential, and even help you scale your business. 

Without further ado, here are a few other reasons why you should partner with an insurance company as an independent agent:

Enhanced product offerings

Clients are unique, and so are insurance carriers. Partnering with several insurance providers enables independent agents to offer various insurance products. 

From home and auto insurance to life and health policies, your clients have diverse and evolving needs – and meeting those helps grow your client base. 

A partnership with a reputable insurance company or an independent insurance agency network ensures access to various plans, helping you cater to different customer segments and providing more opportunities to close deals.

This diverse product offering allows you to cross-sell and upsell policies and helps maximize your revenue from each client relationship. For example, you may start by selling auto insurance and later introduce life or homeowners insurance, offering a comprehensive suite of protection options.

Easy access to markets

Many insurance companies already have a strong market presence and brand recognition. Independent agents who partner with reputable carriers can gain access to sell a wider variety of products, accessing new markets and expanding their offerings, which helps build trust with clients. 

This connection also helps increase an agent’s visibility and credibility with potential clients. After all, clients are more likely to purchase policies from companies they recognize, which allows you to lock in deals more easily. 

Some of the top 10 insurance aggregators can also provide access to a wide range of insurers, making it easier for agents to expand into new markets. Partnering with an aggregator helps agents simplify the appointment process and gain access to multiple carriers without lengthy applications or the need to fulfill volume requirements.

Availability of support & resources

Insurance carriers value their appointed agents, so they offer support and resources to help them succeed. 

This may include training programs for professional growth, co-branded marketing materials to attract and retain clients, and underwriting expertise.

Insurance companies may also provide agents with digital tools like quoting systems and customer management platforms to streamline their work. These tools can help agents provide excellent service to their clients.

Remember, insurance is an ever-changing industry, and staying on top of the latest trends and regulations is critical to success. 

Financial stability & trust

Reputable insurers are financially stable. This means they have the resources to pay out claims and fulfill their obligations to policyholders. 

When you partner with a financially strong company, your clients gain peace of mind knowing that their policies are backed by a company that will be there when they need it most. 

This builds trust between you and your clients, which is crucial for long-term business success.

Tips on choosing the best insurance company to gain access with 

Just as insurance carriers will evaluate if you’re a good fit to sell their products, agents should also research insurers to find the best match for their agency.

Here are some tips for choosing the best and easiest insurance companies to gain access with:

Research the company’s reputation

Before jumping into any partnership with an insurance company, it’s best to do your homework. 

Check the company’s reputation in the industry and among other agents. Do they have a strong track record for paying claims and providing excellent customer service? What do other agents say about working with them?

An insurance company with a good reputation will give your clients confidence and help you build trust and credibility as an agent.

Read online reviews, check their ratings with organizations like A.M. Best and the Better Business Bureau, and ask for recommendations from other agents. This may help give you a clear picture of their reputation.

Ensure the carrier’s product suits your specialty

Consider whether a potential insurance carrier’s products match your agency’s target market and specialty. Look at whether their coverage options suit your clients. 

Working with carriers that offer products in your niche, like home or health insurance, helps you meet your client’s needs and boosts your chances of success.

Assess the commission structure

The commission structure of an insurance company helps determine how much you’ll earn. Different insurers offer different commission rates, so evaluating how much you’ll be compensated for each policy you sell is important.

Look for a carrier that offers competitive commissions and bonuses for reaching sales milestones. Some companies also provide residual income from policy renewals, which can help you build long-term financial stability. 

Ask about any hidden fees or restrictions that could impact your overall earnings.

Consider ease of doing business 

Insurance carriers with intuitive, efficient systems and processes can help streamline operations and improve customer service. 

Choose insurers that provide automated processes, user-friendly online platforms, and responsive customer support.

Inquire about the appointment process

Before deciding on a company, ask about their appointment process and how long it typically takes. Some companies have a simple and quick process, while others may require more paperwork or take longer to approve agents.

Choose a company that makes it easy to gain access so you can start selling their products without unnecessary delays. Quick appointments mean you can start building your book of business sooner and earn commissions immediately.

Final thoughts

Getting appointed with the right insurance company can help you build a successful career as an independent insurance agent.

Make sure to choose carriers that offer a variety of products, strong agent support, and competitive commissions, and you’ll be well on your way to success. 

With our curated top picks, you can start selling insurance quickly and enjoy the benefits of working with some of the best and easiest insurance companies to gain access with. 

Take the time to research and find the company that best suits your needs and business goals.

FAQ

What is the easiest and most profitable insurance to sell?

It varies based on the agent’s target market. While auto insurance is often the easiest to sell as it’s lawfully required in about 48 states, life insurance can be considered the most profitable, especially when sold to clients seeking long-term protection.

What is the hardest insurance to sell?

Disability, long-term care, and life insurance are typically considered the hardest types of insurance to sell. These products can be more challenging because customers may not see the immediate need for them, and the policies can be complex to explain.

What insurance company pays their agents the most?

Although commission rates vary by insurance provider, some top-paying insurance companies include MassMutual, Nationwide, and New York Life. Due to their products’ complexity and long-term nature, such as whole life insurance policies, these companies often provide higher payouts, competitive commissions, and bonuses.

What is the fastest-growing insurance type?

Cyber insurance is one of the fastest-growing types of insurance due to the increasing number of cyber threats businesses face. This insurance helps cover the costs related to data breaches and other cyberattacks. 

What insurance companies are not suitable for independent agents?

Independent agents benefit most from partnering with carriers that offer flexibility and allow them to provide clients with a range of options. Companies featured on First Connect, for example, specialize in supporting independent agents by enabling them to sell a variety of policies from different insurers. In contrast, companies like State Farm and Allstate rely on captive agents, who work exclusively for one company and cannot offer policies from other carriers, which limits client choices.