The U.S. personal lines insurance market is worth over $386 billion a year. MIA gives licensed P&C agents a way to tap into it — without quoting a single policy, servicing a single client, or paying a single fee.
Share your link. Our platform handles quoting, binding, servicing, and renewals. You earn commissions on every policy — new and renewal — for as long as it stays active.
Most insurance business models require significant investment before you earn a dollar. MIA flipped the model.
| Franchise / Traditional | MIA Platform | |
|---|---|---|
| Startup Cost | $10K – $50K+ | $0 |
| Monthly Fees | $500 – $2,000+ | $0 |
| Book Ownership | Often shared or restricted | 100% yours — sell or transfer anytime |
| Carriers Available | Limited to network | 50+ carriers, all 50 states |
| Territory Restrictions | Usually locked to one area | No territory limits |
| E&O Insurance | Required ($1K – $3K/year) | Not required |
| Quoting & Servicing | You do everything | Platform handles all of it |
| Contract Lock-In | Multi-year commitments | No lock-in, no minimums, leave anytime |
MIA connects you to a national insurance platform with 50+ carriers, a licensed sales team, and the technology to handle the entire policy lifecycle — so you don't have to.
Send your unique MIA referral link to clients, partners, or your network. That's your only job.
Licensed professionals quote, bind, and service the policy. Your client gets a premium digital experience.
Earn 80% of MIA's share on every new policy AND every renewal. Your book compounds over time.
Everything you need to know in under 3 minutes.
Your effective commission rate is approximately 4 to 6% of premium. That may sound low compared to a direct 15% commission — until you see what you're NOT doing for that 15%.
Every referral you send builds your book. With 50+ carriers quoting automatically, your clients get competitive rates — and you earn commission on every policy, every month it renews. No additional work. No servicing. No phone calls.
The chart below shows what happens when referrals compound. Start with 20 a month — by year three, that's $7,200/month in passive income. Scale to 80 and you're looking at nearly $29K/month.
Renewals stack. Year over year, your book grows — and so does your monthly income. Without a single extra hour of work.
Based on 15% commission and $2K in premium per policy
20 referrals/month is the starting point. Serious agents build from there.
Commissions paid by carriers and premiums paid by customers vary. Assumes 100% retention for illustration. Actual retention varies.
Your clients get a seamless, modern experience. You stay informed every step of the way.
They land on a clean, professional quoting experience — branded and built to convert.
The platform shops 50+ carriers instantly. No more calling around for quotes.
Professional agents guide your client through binding. They handle all servicing, endorsements, and renewals.
Commission hits your account. New business and renewals. Track it all from your dashboard.
MIA works differently depending on your business. Here are three common ways agents plug in.
You focus on commercial lines — GL, BOP, WC, commercial auto. Every week, business owners ask you about their personal home and auto. You used to hand them a referral to someone else. Now you share your MIA link.
Every personal lines policy earns you commission — new and renewal — without touching a single quote.
You have relationships with mortgage lenders, real estate agents, and auto dealers. They send people your way who need insurance. Instead of quoting each one yourself, you share your link and let the platform do the work.
Your network becomes a lead machine. Each relationship generates ongoing commissions with zero servicing on your end.
You're building toward retirement — or building an asset to sell. Traditional books require you to service every client. With MIA, your book grows through referrals and compounds through renewals. No overhead. No servicing. Just equity.
In 3 years at 20 referrals/month, your book generates over $7,200/month in recurring commissions — and it's 100% yours to sell.
No waiting period. No approval queue. The moment you activate, everything below is live and ready.
A unique URL tied to your agent ID. Share it anywhere — text, email, social media, in person. Every client who uses it is tracked to you automatically.
See every referral, every quote, every policy — in real time. Track your pipeline, commissions, and book growth from your phone or desktop.
Every dollar is accounted for. See approved commissions, pending payouts, and your full earnings history. Connect your bank via Stripe for direct deposit.
Got a business owner who needs GL, BOP, or workers comp? Submit commercial leads directly through your portal. MIA's team handles placement.
A professional digital business card with your info, your share link, and a QR code. Share it in person, print it, or text it to prospects.
Upload your licenses, track expiration dates, and stay compliant. Your participation agreement and terms are always accessible in your portal.
2 minutes to set up. No credit card. No approval wait.
We believe in honesty. MIA is powerful — but it's not for everyone.
Nothing. No signup fees, no monthly fees, no hidden charges. You don't need E&O insurance, carrier appointments, or a physical office. There is no cost to participate.
When your referral becomes a policyholder, commissions flow through three steps: the carrier pays the national partner, MIA receives 50% of the partner's share, and you receive 80% of MIA's share. Your effective commission rate is approximately 4 to 6% of premium. This applies to new business AND renewals — meaning your earnings compound as your book grows.
Commissions are processed monthly. After a client's policy is issued, the carrier processes the commission and sends it to the national partner, who then sends MIA's share. MIA's team reviews, matches each commission to the correct agent, and approves it. Your 80% share is deposited directly to your bank via Stripe. From policy to payout, expect roughly 50 to 75 days for your first commission. Renewals process faster. Track every step in your Agent Portal.
You can refer clients in any state. However, to receive commissions, you must be licensed in the state where the policy is written. If a policy is placed in a state where you're not yet licensed, commissions can be held for up to 90 days while you obtain a non-resident license. Most non-resident licenses are straightforward to obtain through NIPR.
Every agent gets a unique referral link containing your agent ID. When a client uses your link, every action — from first click to policy binding — is tied to your tracking code automatically. You can see lead progress and policy status in your dashboard at any time.
Your client enters a clean, consumer-friendly online quoting experience. They can compare options from multiple carriers within minutes. Licensed agents from our national partner step in to answer questions, review coverage, and bind the policy.
Personal lines including auto, home, renters, condo, landlord/rental properties, umbrella, and recreational vehicles. Product availability varies by state, but coverage options are broad nationwide.
Our national partner's licensed team handles all ongoing service: policy changes, billing questions, ID cards, renewals, and support. Service hours are typically 8am–9pm EST, Monday through Friday, with digital self-service tools available 24/7.
Yes — a straightforward Participation Agreement with no long-term lock-in, no minimums, and no penalties for leaving. You can exit anytime and retain ownership of the book you built.
No. MIA has a zero-tolerance policy. If you are currently under a captive or exclusive agreement with any carrier — State Farm, Allstate, Farmers, American National, Country Financial, GEICO, USAA, Shelter, American Family, or similar — you are not eligible. If you leave your captive carrier and become independent, you're welcome to apply.
MIA's platform is designed for standard and preferred personal lines risks. Clients with significant claims history or non-standard risk profiles may not find coverage through the platform. Think of it as a premium quoting experience — your clients deserve a professional process.
Our AI assistant is trained on the entire MIA program — commissions, requirements, the participation agreement, commercial lines, and more.
Prefer to talk to a real person? Schedule a quick call with Dave →
Own your book from day one. Earn on every policy — new and renewal — for as long as it stays active. No franchise fees. No lock-in.
Takes 2 minutes. No credit card required. Have questions? Ask the chatbot below or schedule a quick call.