Debt-Free Capital For Insurance Agents & Agencies

Accelerate your future renewal commissions today and grow.



There's a better way for agents to get capital

Banks make capital acquisition for insurance agents overly complicated because they don't understand the value of renewal commissions — Luckily, we do.

How accelerating your renewals with ACCESS works:

Our company was founded with the sole purpose of helping insurance agents and agencies acquire the capital that they need without having to take on more debt.

How do we do this?

We use our actuarial expertise to determine the true-value of your future "unearned" commission streams. We then make an offer to purchase them from you in exchange for a lump-sum today.

Why is this better than a loan?

First, you pay no interest and have no loan payments.

Second, we all know that policies will fall off the books over time (policies will lapse, policy holders will pass away, policyholders quit). You can capitalize now on the future value of your block—while everything is inforce—and “take some chips off the table”.

Tap into the future value of your renewals with ACCESS Capital!

Request a Free Valuation Today

Eligible Product Types

Long-Term Care

Medicare Supplement

Life Products

Supplemental Health

Disability Income

Accident Insurance

Your Renewals

Accelerate your future renewal commissions and get debt-free capital to use for anything. Banks and lenders don't understand your "unearned" commissions, but we do!


The valuation of your business is 100% confidential. Any data is transmitted secured and encrypted, and is protected by our Confidentiality Agreement.


Submit three-pieces of data and our valuation team will analyze and present you with a written offer within 3-5 business days.

No Interest
Or Debt

This is not a loan, so there are no loan payments or accrued interest. It is simply a way for you to get your future commissions now.

Still Your

You remain the agent of record and the clients remain your clients. In fact, your clients will never be made aware that any transaction has taken place.


Since 2007 we have valued thousands of blocks of business and have earned the trust of thousands of agents, agencies, and carriers throught the process.

The ACCESS Commission Valuation Process


Submit Commission Data

We only require 3 pieces of information to value your block of business:

  1. 12-Months of Commission Statements
  2. Carrier Contract
  3. Commission Schedule


Review Your Lump-Sum Offer

Our valuation team performs a policy-by-policy projection of your block of business to determine the current value of the future "unearned" commissions.

We then make a formal written offer to purchase those commissions from you in the form of a lump-sum payment.


Access Your Capital

We work to assign the commissions with the carrier, and then EFT the purchase price directly into your bank account.

Recent Transactions

Long-Term Care
Long-Term Care
Long-Term Care
Long-Term Care
Long-Term Care
Long-Term Care
Long-Term Care
Long-Term Care
Long-Term Care


Robert B., Agency Owner

I have recommended Access to other Agency owners. Doing high volume in the Medigap space is expensive and cash flow was slowing my Agencies growth; by selling the future commissions of a block business I could properly capitalize. I did not have to go into debt and I did not have to sell any equity of my agency to raise the money.

Forwarding to the present, thanks to the deal that I did with Access my agency is debt free, I own my agency, and we are doing double the production.

I really do appreciate Access for the deal that we did. A true win-win.

Isela P.
Baton Rouge, LA

I decided to leave insurance and needed capital to start my own real estate business. ACCESS Capital Group made selling my renewals simple and they were great to work with.

Robert Thiele, Senior Marketing Rep.
Settlers Life Insurance Company

ACCESS Capital Group helps agents in a way that is truly unique and helpful... by converting your future renewal commissions into a lump sum payment.

Mike K.
The Woodlands, TX

ACCESS Capital Group really understood my insurance business. They provided me with debt-free capital for my commission receivables in a way that the banks could not.

Harry S., Texas Assurance Care
Austin, TX

My agency needed capital for business enhancements so we contacted ACCESS Capital Group. We retained control of our business and client relationships without taking on debt.

Michael F., LTC Specialist
Morristown, NJ

ACCESS Capital Group was professional, efficient and over-delivered on their promises. I appreciated their integrity and ethical business approach.

Rich H.
Fort Worth, TX

It was a pleasure to work with you and your team. This process was much quicker and smoother than I had anticipated.

Request Your Free Valuation Now

Submit your contact information and one of our valuation experts will reach out to you to discuss your personal commission valuation.

Providing millions of debt-free capital to thousands of agents and agencies since 2007.