FAQs
Group 1 — The model
Will AI put insurance agents out of business?
No. But agents who ignore AI will fall behind. Insurance is built on trust and advice — AI removes friction, not relationships. Bottom line: AI exposes weak models. It doesn't destroy strong ones.
It feels like the hardest time in decades to be an agent. Why do you call it a transition?
The pressure is real — carrier pullbacks, rate shock, higher costs. That's not collapse. It's transition. Weak models are breaking. Strong ones are being revealed. Bottom line: this isn't the hardest time to be an agent. It's the hardest time to run a broken model.
Where do the producers actually come from?
A Virtual Producer is a 1099 sub-producer under your agency, licensed in their own state. The job is exactly two tasks: refer a warm prospect, and collect the supporting documents. They don't sell, service, or handle claims. You don't build the network alone — we run the recruiting campaigns and provide a licensing training course ($197 one-time) that prepares producers to pass the P&C or Life, Accident & Health exam. The course has a 94% pass rate. We do not cover state licensing fees or exam retake costs. Bottom line: because the job is that small, people with good local relationships can do it.
How long until I actually have producers?
It depends on your market and how much you put into it, and we won't hand you a number we can't stand behind. We've built this in New Jersey and we're building it with our first agents now — anybody who quotes you a ninety-day producer count is guessing. What's on us: we run the recruiting, we provide the licensing training course, and you pay a producer nothing until they produce.
What's actually changing in the industry?
Bigger forces are reshaping who wins: trust over ads, AI-driven advantage, new income pressure, and the end of "job for life." Most agents feel the pressure but can't name the cause. Bottom line: the game changed quietly. This was built for the new rules.
Group 2 — The money
What does it cost? All of it?
Two numbers. The platform is $547 a month on a recurring card — month to month, cancel any month. It's a fixed cost like every other tool your agency pays for. Separately: you keep the first $547 of platform commission every month, whole, and from dollar 548 up it's eighty-twenty, you and us. You also pay your own producers out of your share — you set that rate, we take no part of it. And there's a lag at the start: figure on carrying the fee for roughly the first three months, because carrier commission takes the time it always takes. The full breakdown, including what we can't promise you, is on the homepage.
What happens in a slow month?
The fee is a fixed cost, so in a month under $547 of platform commission you've recovered less of it — that's it. There's no shortfall owed and no debt to us. And because you keep the first $547 whole, our share of your commission is smallest when your month is smallest: zero at $547, nine percent at $1,000. Twenty percent is the ceiling, not the rate.
What happens if I cancel?
Our share of your renewals stops. You keep the book, the producers, and the renewals, whole — and if you sell, the buyer never inherits us. There's nothing to be locked into. If this stops earning its keep, you leave and you take everything with you.
What does "platform-generated" mean?
Business that came from our resources — a producer or partner we recruited or introduced, or business written inside a silo we built for you. If it came from you — your existing book, your own relationships, business you'd have written anyway — we take nothing, ever. Your carrier profit sharing is yours alone.
Why does SaaS income matter next to commissions?
It doesn't replace commissions — it strengthens them. Monthly recurring revenue that doesn't depend on a carrier, with the software built and serviced by our team, not yours. Bottom line: commissions are great income. Recurring revenue is what makes a buyer lean in.
Group 3 — The guardrails
Is this an MLM?
No, and here's the structure, flat: every override is one level deep — you earn on producers you personally recruited, nobody above you and nobody earning off you. Everyone holds a real license issued by their own state regulator. Producer commission is only ever paid on a bound policy — nothing for recruiting, signing up, or volume tiers, because there are no kits and no tiers. And you own the book. That's a standard insurance producer override, which has existed in this business for a century.
Are you logging into my carrier portals?
No. What you get is the completed ACORD — the AI reads the risk and fills the application, and your team submits it through your own systems, with your own credentials, the way you do now. We don't hold your carrier logins, and we don't want them. Nothing about your carrier relationships or appointment agreements changes.
Who owns it if the AI gets something wrong?
You do — and that's the right answer, not a dodge. The AI prepares and recommends. Your licensed team reviews it, decides, and binds, the same as now. The liability structure is exactly the one you have today, because the decision is still yours.
Will the AI ever call my clients?
No. With your permission we build an AI avatar video of you — for your own website and your own emails, and that's it. Nobody is getting an AI phone call from you. We don't do that and we won't.
Is my market still open?
One agent per market, no exceptions — and "market" is drawn around where the households actually are: a handful of ZIP codes in Manhattan, several counties in rural Nebraska. We'll show you exactly what yours covers before you commit to anything. Two things to know about timing: we're taking 500 agencies nationally, and when we reach 500 we stop. And every agent who joins names three agents we'll never work with — at all. The fastest way to find out if your market is open is to ask.