We've helped hundreds of Texas entrepreneurs launch thriving insurance agencies. Now it's your turn. Discover which path to agency ownership fits your goals, your capital, and your ambition.
Why This Opportunity
You're backed by a household name with nearly 100 years of history. Customers come to you because they already trust the brand — you focus on growing, not convincing.
From new business bonuses to renewal commissions, the income structure is designed to reward performance at every stage.
The University of — voted one of the top corporate training programs in the U.S. — gives you every tool to become a top-performing agent.
District Managers, marketing support, and a nationwide agent network ensure you're never navigating business ownership alone.
Three Paths to Ownership
Launch a brand-new agency from the ground up with full national brand backing. Requires $100K in liquid capital and earns new business bonuses from day one.
High Earning PotentialBuy an existing book of business and earn renewals from day one of ownership. An established client base means immediate cash flow and a running start.
Instant RenewalsDon't have $100K liquid yet? Partner with a mentor agent, hit your goals in 12 months, and graduate ready to claim a turn-key book of business.
No Capital RequiredThe Retail Program is our flagship path to ownership — launch your own agency with the full power of an established national brand behind you and earn competitive bonuses from your very first policy.
Earning Potential Calculator
Built from the official 2026 Retail Bonus Program guidelines. Adjust the inputs below to model your 3-year income projection across all bonus tiers.
| Quarter | Base NB Comm. | Tier A % | Tier A Total | Tier B % | Tier B Total | Tier C % | Tier C Total |
|---|
* Projections use the official 2026 Retail Bonus Program bonus percentages (340% → 84% over 12 quarters) with 15% quarterly commission growth compounding, based on district average data. Q1 starts at 340% Tier A for all agents. Tier placement from Q2 onward depends on meeting quarterly NB commission AND Life I&P targets AND having 2 L&A staff AND an approved office. Life/Commercial monthly bonuses are capped per the program guidelines. Programs not available in all states. Actual results will vary.
Program Overview
You simply show $100,000 in accessible funds — you keep every dollar. Bank statements are used to verify, not as a deposit.
You only need a Property & Casualty or Life & Health license to get started as a Reserve Agent. You'll need both to transition to full-time agency ownership — resources are available to help you get there.
You'll establish a professional storefront in your community. Full brand standards, signage support, and co-op marketing are provided.
Earn accelerated bonuses on top of base commissions when you hit monthly and annual production milestones. The faster you grow, the more you make.
Unlike a franchise fee, the $100K liquid capital requirement is simply shown as proof of financial stability. It stays in your account — you use it to run your business on your own terms.
Skip the cold-start. Acquire an existing an agency and step into ownership with an established book of business — generating renewal income from your very first day.
Why Acquire?
The acquired book comes with existing policyholders. Their renewals are yours from the moment you take ownership — no waiting period, no ramp-up.
You're buying a business with a track record, not a projection. Review real financials, retention rates, and premium data before you commit.
Renewals from the acquired book PLUS new business bonuses from your own growth. Two income streams working simultaneously.
Just like Retail, you show $100K in liquid capital as proof of financial fitness — you don't hand it over. It's yours to use to run your new agency.
Bonus Structure
In addition to day-one renewals, accelerated bonus plans are designed to reward acquisition owners who grow their inherited book rapidly.
| Annual Premium Written | New Business Bonus % | Est. Annual Bonus | On Top of Renewals? |
|---|---|---|---|
| $0 – $150,000 | Up to 3% | Up to $4,500 | Yes |
| $150,001 – $300,000 | Up to 6% | Up to $18,000 | Yes |
| $300,001 – $500,000 | Up to 9% | Up to $45,000 | Yes |
| $500,001 – $750,000 | Up to 12% | Up to $90,000 | Yes |
| $750,001+ | Up to 15%+ | $112,500+ | Yes |
* Bonus tiers are illustrative. Exact structures vary by district, product mix, and annual plan. Contact your District Manager for program-specific details.
An acquired book typically includes auto, home, life, and umbrella policies — a diversified premium base. Renewals begin accruing immediately, creating a predictable income foundation you can grow from.
The Protégé Agency Producer Program is designed for driven candidates who want agency ownership but haven't yet accumulated $100K in liquid assets. Partner with a mentor agent. Hit your production goals within 12 months. Graduate to ownership — with the $100K capital requirement waived.
The Protégé Journey
You'll need at minimum an active Property & Casualty license to enter the program (your Life & Health license must follow to hit production milestones). You're then paired with a qualified Lead Agent — an established agency owner — who mentors you through the program.
You write policies under your Lead Agent's agency and work toward three defined production milestones over 9 months. Each milestone unlocks bonuses for your Lead Agent — and builds your track record toward graduation. Milestone 1 is $25K in new business gross premium within 3 months. Milestones 2 and 3 follow at 6 and 9 months respectively.
The New Agent Training Launch Program must be fully completed as part of your graduation requirements. Once you have an active agency email and account, you'll receive access to the Getting Started curriculum — a structured program designed specifically for new agents.
To graduate, you must hit Graduation Level 1 within 12 months: $150,000 in new business gross premium, 75 Personal Lines/Specialty policies, 6 Life policies issued & paid, 2 Business Insurance policies, and completed training. Hit Level 2 ($200K NB GFP, 100 policies) for an even higher graduation bonus.
Upon graduation, the standard $100K capital requirement is waived. You receive a Graduation Bonus of $6,000–$8,000, paid in two installments (50% at Reserve appointment, 50% at Full-time appointment). You're then eligible for the Retail or Acquisition program — and may qualify for turn-key book opportunities when an agency owner retires or sells.
Program Advantages
The standard $100K liquid capital requirement is fully waived for Protégé graduates. Spend your 12 months building your skills and track record — not worrying about a capital hurdle.
Graduate at Level 1 and receive a $6,000 bonus. Hit Level 2 ($200K in new business) and earn $8,000 — paid in two installments at Reserve and Full-time appointment.
No ambiguity. Three milestone checkpoints at 3, 6, and 9 months give you a clear roadmap with defined premium and policy targets. You know exactly what winning looks like.
Graduates qualify for both the Retail and Acquisition programs. You may also be eligible for turn-key book opportunities when an existing agency owner retires or sells — walking into ownership with an existing client base.
Must pass a background check · Hold at minimum an active P&C license (L&H required for milestones & full-time appointment) · Not currently an agency producer at another agency · Not previously appointed as an agency owner · Not previously a Protégé under a Lead Agent who received program bonuses