You send a name. Our licensed team calls, quotes, sells, underwrites, and places the policy under your agency's name. You keep 50% of the commission and spend about two minutes on it.
Send a name, phone, and email. About two minutes, no life license required.
Our licensed team calls as your life division, quotes it, closes it, underwrites it, and places it.
50/50 split of the commission on placed business. Your client relationship stays yours.
Answer a few questions and we'll point you at the right route — refer it to us, drop the ticket, or write it yourself. Every path ends at the same form.
P&C agencies, mortgage companies, and financial services firms with clients who need life insurance — and no interest in building the department it takes to place it.
They hear it first when a client buys a home, has a baby, or changes coverage. We turn that into a referral without asking an account manager to become a life agent.
Buy-sell funding, key-person, succession, executive benefits, estate planning. Your team spots it, our specialists take it from opportunity to placed.
You are already talking about compensation, retention, and risk. Individual life, disability income, and long-term care sit one question away.
Your side of this is three steps long. You are not selling life insurance and you do not need a life license — you are noticing an opening and passing a name.
A client mentions something that changed — a house, a baby, a business partner, a loan, a term policy running out. That is the referral. There is no minimum case size and you do not need to guess whether they'll qualify.
One sentence, in your own words, that opens the door and hands it off. Then the line that actually matters:
Six fields and your name. Everything else is a bonus.
Carrier access is table stakes — every brokerage has it. Three things actually separate us, and then the routes you can work through.
Every other brokerage takes names out of your book. Beneficiary onboarding and claims education put names back in — one placed policy can return two to three new households to you.
Licensed agents across every line in every state, 60+ carrier appointments, an underwriter on staff, and case designers who structure the complicated ones before they go out.
Our CRM with automated email and phone drips, 100% digital submission, e-signatures, and e-policy delivery — free to partners, and the reason nothing sits waiting on a person.
Everything after the hand-off. Pick the one that matches how involved you want to be — the carriers, underwriting desk, and case managers are the same in all three.
Referring case by case is the simplest way in. If you would rather hand us volume, we will do the outbound ourselves — give us a list of clients, quoted-but-not-sold prospects, or dormant accounts, and our team calls them as your life division, qualifies them, and works whatever is there. Same 50/50 split, same white label, no lead cost to you.
Your lane has two boxes. Everything between them — the call, the sale, the application, the underwriting, the placement — runs on our side without pulling you back in.
A case arrives, we quote it across the carrier shelf, our underwriter makes the placement call before anything is submitted, a named case manager chases every requirement until it issues, and then it pays. You are not in any of these five boxes.
Sorted by the three questions an agency owner actually asks.
What having an underwriter on staff does to the share of submitted applications that end up in force.
Every referral, no exceptions. Speed to lead is the single biggest predictor of whether a case ever happens.
Beneficiary onboarding sends the people named on the policy through the same process — and back to you.
Impaired risk gets screened before submission and matched to the carrier whose underwriting actually writes it. That is where the average 20-point placement lift comes from — and on a 50/50 split, placement ratio is the whole game.
Every policy names people. Those people get an onboarding package explaining the coverage and a claims guide telling them exactly what to do if it is ever needed — and then they go through the process themselves. One placed policy can double the business that comes out of it, and the new households land in your book, not ours.
Your client is contacted by the life insurance division of your agency. Calls, emails, and scheduling links carry that identity — outbound mail comes from an @lifeinsurancedivision address, never a brokerage letterhead they've never heard of. Clients don't question it. The exact intro language is yours to set at kickoff, and you're welcome to sit on the first calls.
Nothing. No platform fee, no minimum production, no exclusivity, and no charge for the CRM, quoting engine, case management, or underwriting support. We're paid out of the same commission you are — so we only make money when your client's policy places. Pinney has been placing life business since 1972.
Term, UL, whole life, final expense, disability, LTC, and annuities.
Founded 1972. Winner of the 2017 iPipeline Industry Leadership Award.
e-Applications, e-signatures, e-tickets, e-policy delivery, encrypted email.
No platform fee, no minimum production, no exclusivity.
Every case gets matched to the carrier whose underwriting actually likes it. That matching is most of the placement-ratio difference — and it is the part you would have to build a department to replicate.
Every case gets matched to the carrier whose underwriting actually likes it — which is where most of the placement-ratio difference comes from.
Send the left column. Skip the right for now. Rule of thumb: if you wouldn't want to explain to the family why there was no coverage, refer it.
Six people already sitting in your book, the moment that opens each conversation, and the exact words to use. Match the sentence to who you're talking to — the wrong framing kills a good case faster than a bad quote. Say it in your own words; these are a starting point.
Talks about their kids before they talk about money. Bought the house for the school district. Responds to responsibility, not returns.
Congratulations again on the house. One thing I always bring up — that mortgage is the biggest bill your family would be left with if something happened to you. We have a life team that handles this for our clients. Want me to have them give you a call? No cost, no pressure.
Avoid Rate-of-return talk. They don't care about the yield, they care who writes the check.
Asks what it costs before they ask what it does. Comparison shops everything. Skeptical of anything that sounds like a pitch.
Most people are covered for one or two times their salary through work, and the actual number needed is usually closer to twenty times income minus what's already there. Our team will run that number with you in about fifteen minutes and show you what the market prices it at. No obligation on either side.
Avoid Emotional framing. Give them the arithmetic and let it do the work.
Already insures buildings, vehicles, liability, and data. Has never insured the two people the whole business runs on.
Quick question on the business side — if something happened to you or your partner tomorrow, is there anything in place to fund the buyout? Same question for whoever carries most of the revenue. Our life team does buy-sell and key man work for our commercial clients. Worth a fifteen-minute call?
Avoid Personal-protection language. Frame it as continuity and control of the business.
Maxed the 401(k) and the Roth, still has cash, and is tired of watching the market swing. Wants safe growth and predictable income later.
You mentioned you've already maxed out your retirement accounts. There's a category most people never get shown — growth with a floor under it and predictable income later, without the market risk. Our team walks through it in fifteen minutes. Want me to set that up?
Avoid Calling it life insurance up front. This is an income and tax conversation.
Has been meaning to do this for three years. Will say yes to the idea and no to the calendar. Needs the decision taken off their plate.
You've mentioned this before, so let me just make it easy — I'll hand your name to our life team and they'll call you. Fifteen minutes, no paperwork on your end, and if the timing's wrong they'll leave it alone. Fair?
Avoid Asking them to call someone or fill something out. You do it for them or it doesn't happen.
The single most common objection by a wide margin. Usually one to two times salary, and it ends the day the job does.
That's a good start. Two things worth knowing: it usually ends the day you leave the job, and it's often only one or two times salary. It costs nothing to have our team look at what you've got and tell you whether there's a gap. Want me to set that up?
Avoid Telling them they're wrong. Agree first, then add the two facts they've never been told.
We train your licensed P&C advisors on this process directly — how the referral gets generated, what we do with it, and where their case sits at every stage. Run it for a producer meeting or send it to a new hire.
Trouble playing it here? Watch on YouTube.
Referrals go cold because nobody calls twice. Here is the exact schedule your client is worked on, and the status your referral carries while it runs.
Heavy at the front, tapering after. If your client engages at any point the cadence stops and the case moves to a real conversation.
| Day | Attempts | Message pattern | Status |
|---|---|---|---|
| Day 1 | First call within 24 hours, then two more — midday and PM | Voicemail on the first and third; text and personalized email follow the first attempt | Hot |
| Day 2 | Two calls — AM and PM | Message on the afternoon attempt only | Hot |
| Day 3 | Two calls — AM and PM | Message on the morning attempt; text immediately after | Hot |
| Day 4 | Two calls — AM and PM | Message on the afternoon attempt | Warm |
| Days 5–8 | One call per day, alternating AM and PM | Message every other day | Cool |
| Days 8–13 | One call every other day, alternating AM and PM | No messages — attempts only | Cool |
| Day 14 | Final call | Final message: the file goes on hold until we hear back | Closed |
Then twenty-plus calls, texts, and emails across fourteen days before anyone gives up on a name you sent.
The moment your client responds, the case moves to discovery and a real conversation.
Placed, declined, or withdrawn — you are never left wondering what happened to a name you sent.
You're lending us a relationship you built. You should know, sentence by sentence, what gets said with your name on it. Bracketed fields are set at your kickoff.
“Hello [client], this is [advisor] with the life insurance division at [your agency]. [Your producer] asked me to reach out. Did I catch you at a bad time?”
Your agency is named first, your producer second. That is what gets the call answered instead of screened.
“I'm calling to take a few minutes to go over your information, get you a quote, and walk you through how the application and approval process works.”
Calls are recorded for quality assurance and the client is told so.
“What we do is gather your information and bring you free quotes from top-rated carriers — Prudential, Mutual of Omaha, Banner Life, John Hancock, to name a few.”
Carrier names do the credibility work. No unfamiliar brokerage enters the conversation.
“First of all — what's come up in your life that's prompting you to look at life insurance right now?”
Uncovers who they're protecting. Everything after this is built on the answer.
“It's three simple steps: a few health and lifestyle questions, a no-cost mini exam, and underwriting — usually four to six weeks to approval.”
Said up front, so the exam and the wait never become the surprise that stalls the case.
“Let me verify a few basics — name, address, phone, email, date of birth, height and weight. And have you used any form of tobacco or nicotine in the past five years?”
Clean data at the front is the difference between a four-week case and a twelve-week one.
“Based on what you've told me, I'd recommend around [amount] — replacing your income for [years] years, paying off debt, and crediting your existing coverage and savings. How does that sound?”
The number is derived on the call, in front of the client, from their own figures.
“Other than what we've discussed, are you taking any other prescription medications? Any other reason you might not qualify for the best rates?”
Where impaired-risk cases get caught early and routed to our underwriter before a carrier ever sees the file.
“The carrier with the best rate for you is [carrier] — how familiar are you with them? For [amount] of [term] level term, the premium is [premium]. How does that sound?”
Carrier rating and years in business are quoted alongside the number.
“That's a great start — most employer policies are limited. Let me show you how to build coverage that stays with you no matter where you work.”
Objections are answered, not argued with, and the application is taken on the same call wherever possible.
Move the inputs to your own book. The output is your half of the commission on business that actually places — an illustration built on your assumptions, not a quote.
Commission rates vary widely by carrier and product. Set this to whatever your grid actually pays.
Illustration only. Actual compensation depends on carrier, product, issue age, rate class, and the terms in your partner agreement.
Bars are cumulative. The chart redraws as you move the sliders above.
The ones that come up on every first call. Click any question to open it.
Set your team up on the portal for everything going forward, or use the form right now if someone needs coverage today. Either way a licensed advisor and a case manager pick it up and call within 24 hours.
Insureio is our CRM, free to partners. Set your team up once and submit, track, and check status on every case yourself.
No setup, no account. Six fields and the case is in our hands — the fastest route if a client is sitting in front of you right now.
Some browsers and preview environments block embedded forms. Open it directly, or email the client details over — either route reaches the same desk.
Working App Assist or writing the case yourself? Same form — note it in the message and we route it. Partnership questions go to brokerage sales support.
Nothing to sign before you test it. Pick the client you already know needs coverage, use the hand-off line, and send it through. You'll get a named advisor and a case manager on it right away.
Three ways in. Pick whichever fits where you are right now.
Partnership questions: [email protected] · (916) 409-6166. Client information: [email protected]. First call on any referral goes out within 24 hours.