Why leverage your future renewals?
Access Capital 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. Then make an offer to purchase them in exchange for a lump-sum today.
Leveraging future commissions is a great alternative to a loan for independent agents because the capital is 100% debt-free. The agent remains the agent of record and the policyholders are not made aware that any transaction has taken place.
Unlock the value of your future renewals now
Rather than waiting years, access the value of your future renewals today in a lump-sum payment.
It's debt-free capital
The capital provided is not a loan, so there are never any principal or interest payments due.
100% confidential
Any data provided is 100% confidential, and is bound by a Confidentiality Agreement.
How it works
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.
Free and Fast Commission Valuations
To determine its current value, our valuation team performs a no-cost valuation of your book of business, and typically you will have a formal written offer to consider within 3-4 business days.
Use Your Capital for Anything
How you use your capital is your business, but many agents have used it for paying down debt or taxes, marketing expenses, hiring agents, lead costs, ownership restructuring, retirement, expanding to new product lines, new technology investments, or simply taking some "chips off the table".
Renewal types that we purchase
We purchase renewal commissions generated by Individually Underwritten, Guaranteed-Renewable Life & Health Products, such as:
Long-Term Care
Long-Term Care, Short-Term Care, Convalescent Care.
Medicare Supplement
All lettered plans, some Medicare Advantage Plans, Dental Vision Hearing.
Supplemental Health Insurance
Critical Illness, Cancer, Heart and Stroke.
Life Insurance
Whole Life, Term Life, BOLI/COLI, Final Expense Whole Life.
Disability Income
Short Term Disability Insurance, Disability Income Protection.
Accident Insurance
Hospital Indemnity, Other Supplemental Accident Insurance plans
Testimonials: What our clients are saying.
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.
Robert B.
Agency Owner
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.
Isella P.
Baton Rouge, LA
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.
Robert Thiele, Senior Marketing Rep.
Settlers Life Insurance Company
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.
Harry S.
Austin, TX
Access Capital Group was professional, efficient and over-delivered on their promises. I appreciated their integrity and ethical business approach.
Michael F.
Morristown, NJ
It was a pleasure to work with you and your team. This process was much quicker and smoother than I had anticipated.
Rich H.
Fort Worth, TX
Let's get to work.
Access your capital today. Let's get started.
Contact our valuation team to learn more about our process.
Our Headquarters
11011 Q. Street, Suite 101BOmaha, NE 68137
Phone: (800) 560-2872
Email: info@accesscapitalgrp.com