Convert your commissions into debt-free capital


Since 2007, we've helped hundreds of insurance agents and agencies leverage their future renewals to acquire debt-free capital.

Financial Independence

for Insurance Agents & Agencies.

ACCESS Capital Group 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. 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.

The clients are still your clients. Our program simply provides a mechanism that accelerates your future commissions – giving you access to a lump-sum of debt-free capital today.

Tap into the value of your future renewals with ACCESS Capital Group.

Recent Purchases:

Long-Term Care
Supplemental Health // Disability Income
Final Expense
Medicare Supplement // Medicare Advantage
Long-Term Care
Long-Term Care // Medicare Supplement
Final Expense // Term-Life // Whole-Life
Medicare Supplement

Your capital, now.

Get a free, no obligation commission appraisal today.

Our streamlined process:

1. Send Your Commission Data

25% Complete

2. Commission Projection

50% Complete

3. Written Purchase Offer

75% Complete

4. ACCESS Your Capital

40% Complete (success)

By the numbers:


Average Lump-Sum Payment


Carriers We've Worked With

What agents are saying:

  • « 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

  • « 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. »

    Isela P. Baton Rouge, LA

  • « 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. »

    Mike K. The Woodlands, 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. »

    Harry S. Texas Assurance Care, Austin, TX

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

    Michael F. LTC Specialist, 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

Your capital, now.

Get a free, no obligation commission appraisal today.