Joining an insurance agent network should give you appointments, tools, and a commission structure that rewards production — not lock you into one carrier or rent you leads that never convert. Local Life Agents is built for licensed independent producers who want to write life and P&C across 40+ carrier markets and run a modern agency from a home office or storefront.
I founded Local Life Agents in Columbus, Ohio in 2014 and have been licensed since 2004. We are not a captive shop and not a lead marketplace. You get real carrier access, direct underwriter relationships on most contracts, and the freedom to build your agency your way — as long as you perform.
Key Takeaways
- No startup fee. There is no upfront cost to join. You write business through Local Life Agents and receive partner pricing on Fat Agent.
- 40+ carrier markets. Life, annuities, disability, long-term care, auto, home, renters, commercial, and specialty P&C lines are available through our appointment stack.
- Top street on life, 50/50 on P&C. Life pays carrier street-level commissions. Property and casualty runs a 50/50 split.
- Fat Agent included at half price. Partners get 50% off Fat Agent — quote widgets, pipeline, and client tools without buying a separate agency management system.
Who should join Local Life Agents?
This program fits licensed agents who can contract without an IMO release. You do not have to be writing today. You do need to invest in your own marketing and treat insurance as a business — not a side gig with a 9-to-5 schedule.
Strong fit
- Already licensed and able to contract without an IMO release
- Comfortable with technology — online quotes, CRM workflows, and digital follow-up
- Marketing budget to generate your own leads instead of waiting for shared leads
- Willing to work evenings and weekends when prospects and clients are available
- Want direct carrier appointments and binding authority up to carrier limits
Not the right fit
- Not yet licensed — get licensed first, then reapply
- Need an IMO release from your current contract before you can join
- Looking for a 9-to-5 job with assigned leads and no production pressure
- Want to keep outside appointments with other agencies on the same lines
- Need a call center to service policies — each agent services their own clients here
- Expecting guaranteed income without building a client base
We work Saturday mornings because that is when families shop for coverage. We are not clock-punchers. If you want to hit the gym at 1 p.m. on a Tuesday and your numbers are strong, nobody micromanages your calendar. If your numbers are not strong, this is not the place to hide.
What can you sell with us?
Our agents place business across personal and commercial lines. Appointment availability varies by state, but the network includes:
- Life insurance — term, whole life, IUL, final expense, and survivorship products
- Annuities — fixed, indexed, MYGA, and immediate income products
- Disability and long-term care — individual income protection and LTC planning
- Personal P&C — auto, home, renters, condo, dwelling fire, boat, and motorcycle
- Commercial lines — small business and commercial property and casualty where appointed
You write through Local Life Agents. We do not allow outside appointments on lines we already cover — if you cannot win with our carrier stack, we have not trained you well enough yet. That discipline keeps underwriting relationships clean and protects the whole network.
Commissions and contracts
Economics are straightforward:
- Life — carrier top street levels. You earn what the carrier pays at the appointed level, not a discounted override tier.
- P&C — 50/50 split on placed premium.
- Policy service — you service your own policies. We provide carrier access and tools.
- Binding authority — yes, up to each carrier's limits once you are appointed.
There is no startup fee. The trade is exclusivity: business flows through Local Life Agents contracts so carrier reporting, compliance, and appointments stay centralized.
Tools and support: Fat Agent and appointments
We built Fat Agent, the best insurance software ever. It is a complete insurance operating system — quoting, phone, SMS, lead management, and commissions in one native application, including the mobile app. That is how our agents write more premium every month than the industry average.
Every partner receives 50% off. You do not need a separate agency management system on day one.
Carrier appointments typically complete in two to four weeks depending on state and line of business. Most contracts give you direct access to carrier underwriters and marketing teams — not a black-box general agency where you never speak to the home office.
We offer two appointment models: storefront (physical location) and digital (home office). Both work. What matters is that you show up for clients when they need you.
Lead programs
We have lead programs. Vendors post into Fat Agent in real time. You pick the vendor and the lead type. It is plug and play.
Leads we can provide:
- Term life insurance
- Final expense
- Annuity
- Infinite banking
- IUL
This is not a shared-lead pool and not a marketplace dumping leftover names on you. You buy the traffic. The lead hits Fat Agent so you can quote, call, and text from the same native app.
We grade every lead vendor. Quality has to stay choice, or they do not stay in the program. You can pay per lead, per appointment, or per policy. Pay per policy gives you unlimited leads until you write 15 to 30 policies, depending on the package you choose.
How to apply
If you are licensed, can contract without an IMO release, and have marketing funds, go to the contact page and start a chat. Include:
- States where you hold an active license
- Lines you want to write
- Rough annual production or time in the business
- Whether you prefer storefront or digital appointment
We read every application. If there is a fit, we schedule a call, walk through contracting, and start appointments. If there is not a fit, we tell you directly.
Looking for a consumer quote instead? Start at life insurance quotes.
Conclusion
Local Life Agents exists because independent agents deserve carrier depth, modern tools, and a commission structure that does not punish production — without a captive contract. We built this network for agents who want to write across life and P&C and work on a schedule that fits real life.
If that sounds like you, start a chat on the contact page. We are selective because our carrier relationships and client experience depend on agents who take the work seriously.