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Independent Insurance and Financial Planning Agency
An independent insurance agency earning commission-based renewal revenue from a diversified book of auto, home, life, business and umbrella policies, at margins above 50%.
Business Highlights
- Commission revenue recurs through annual policy renewals
- Margins above 50%, sustained across multiple years
- Diversified book across auto, home, life, business and umbrella products
- Minimal overhead with high conversion of revenue into cash
- Financial planning services available as a cross-sell into the existing book
Considerations / Questions to Ask
- Is this an independent agency or a captive appointment? The listing points both ways and the answer changes what is being sold.
- Carrier appointments do not always transfer. Confirm which ones survive a sale, and on what terms.
- What is the policy count, and what is the annual retention rate on the book?
- How much of the book is personally attached to the current agent?
- The buyer needs the relevant state licence. Confirm the requirements before agreeing terms.
Opportunities
- Renewal commission is among the most predictable revenue in any small business, and it arrives without being resold
- An existing book is the cheapest place to sell an additional policy
- Financial planning attaches to clients the agency already serves
- Agency books are actively consolidated, so there is a real market on exit