Truly Unique Capital Resources

Specifically for insurance agents & agencies


Commission Purchasing Program

The foundation of our business since 2007, we’ve helped hundreds of independent life and health agents find the capital they need to take care of life’s unexpected expenses.

Commission Purchasing Program


Convert your commissions into debt-free capital.

Unlike banks and traditional lenders, we understand and appreciate the value of your renewal commissions. Through our many years of experience – both in the insurance and actuarial fields – we have learned how to accurately project future commission streams to determine a fair and equitable lump-sum payment for the agents we work with.

This is not a loan, so there are no payments due and no debt is ever incurred. It’s your money to use as you wish, for whatever you need!

To learn more, contact us today for a free, no obligation commission appraisal.

Commission types that we work with:

Individually-Underwritten, Guaranteed-Renewable Life & Health Products, such as:

Long-Term Care

Long-Term Care, Short-Term Care and Convalescent Care.

Medicare Supplement

All lettered plans, some Medicare Advantage Plans.

Supplemental Health Insurance

Critical Illness, Cancer, Heart and Stroke.

Life Insurance

Whole Life, Term Life, Universal Life & Final Expense Whole Life.

Disability Income

Short Term Disability Insurance, Disability Income Protection

Accident Insurance

Hospital Indemnity and other Supplemental Accident Insurance plans

Our process for converting commissions into capital.

We have developed a streamlined process to make our capital program simple, fast and efficient.

1. Collect Commission Information

To place an accurate value on your future commissions we will need to to gather some data. This would include:

  • Signed confidentiality agreement
  • 12 months of commission statements
  • Carrier contracts
  • Commission schedules

2. Commission Projection

Our valuation team analyzes the commission data and builds a "live snapshot" of your inforce policies.

Using this snapshot, we project your future commissions and arrive at their present-day value.

3. Written Purchase Offer

Based on our projection, we will send you a Formal Purchase Offer to buy the future commissions.

Once the offer is accepted we submit assignment documents to the appropriate insurance company for processing.

4. Access to Your Capital!

Once the assignment of commissions is approved by the insurance carriers we will close the transaction. Your capital will be electronically transferred to your bank account the same day!

Your capital, now.

Get a free, no obligation commission appraisal today.