+10%
New-business bonus
Earn a 10% bonus on new business above your current franchise payout. Better math from day one.
Franchise transfer program
Leave your franchise.
Get paid to upgrade.
If you are stuck in a franchise or captive model with a shrinking cut, a controlled book and territory rules, switch to Insurance Exchange of America. Transferring agents earn a 10% bonus on new business and a 5% increase on renewals over their current deal — and keep full ownership of their customers.
The switch offer
Better numbers from the first policy. Built-in upside.
+5%
Renewal increase
Keep 5% more on renewals than you get now. Renewals are where real agency wealth is built.
$0
No fee to switch
No buy-in, no franchise fee, no annual fee. We make money when you sell, not when you sign.
Your franchise vs. Insurance Exchange of America
Figures are based on typical franchise and captive models. Your actual deal may differ, but the pattern is consistent: the old model takes fees and keeps your book; the independent model keeps the money and the ownership with you.
Feature
Typical franchise / captive
IEA Broker
Franchise fee
$25k – $65k
$0
Your customer list
They own it
You own 100%
New-business bonus
None
+10% above your current deal
Renewal payout
Low or withheld
+5% above your current deal
Territory
Restricted
Sell nationwide
Carrier access
Limited panel
150+ carriers
Lead program
Shared or paid leads
Unlimited exclusive real-time
Phone & CRM
Billed back to you
GTE Phone + Agency Compass 360 included
Marketing & AI
On your dime
Google Ads, website, AI receptionist & drip included
The switch comes with the full stack. No extra bills.
GTE Phone
Business phone system built for agencies. Record calls, route leads and never miss a prospect.
Visit gtephone.com →Agency Compass 360
Your agency CRM, fully set up so you can track every prospect, policy and renewal.
Visit agencycompass360.com →24/7 AI receptionist
Answers calls, qualifies prospects and books appointments while you sell or sleep.
Google Ads management
We build and optimize your ads account. You focus on calls, not campaign settings.
Free agency website
A professional site built for you at no cost. You look established from day one.
Drip marketing
Automated email and SMS follow-up sequences that nurture leads until they buy.
Questions agents ask before switching
Who qualifies for the transfer bonus?
Licensed agents leaving a franchise or captive model who transfer their book of business to Insurance Exchange of America. We review each situation individually and confirm your current payout so the bonus is clear.
How is the bonus actually paid?
The bonus is layered on top of our standard payout, so you receive a 10% increase on new business and a 5% increase on renewals relative to your current arrangement. Exact terms are reviewed during onboarding.
Do I keep my existing customers?
Yes. You retain 100% ownership of your customer relationships and renewal income. We do not take equity in your book.
What if I’m not licensed in every state?
You can sell in any state where you are licensed. We help with carrier appointments in the states you want to write.
Keep your book. Keep more money.
Tell us about your current deal and we’ll show you exactly what switching looks like. No pressure, no franchise fee.