Insurance Aggregator Referral Program for Licensed Agents

Most licensed agents are leaving money on the table. Not because they're bad at their jobs — but because they don't have a structure to capture revenue from business that falls outside their direct focus. Every declined risk, every out-of-state lead, every line they don't write is commission someone else is earning.

MIA's aggregator referral program is the structure that fixes that.

Two Ways to Earn Through MIA

MIA gives licensed agents two paths to commission income — and most agents use both:

• Write business directly: Access 50+ carriers and write P&C policies yourself. You quote, bind, and manage the client relationship. You keep 80% of every commission.
• Refer business: Introduce clients to MIA's licensed team. They handle quoting, binding, and service. You earn 80% of the commission split when the policy binds — with zero involvement after the introduction.

There's no requirement to choose one or the other. An L&H agent might write zero P&C business directly while generating thousands per year in referral commissions. A P&C agent might write 90% of their book and refer the commercial risks they can't handle.

What You Get as a MIA Partner

• 50+ carrier appointments — personal and commercial lines
• 80% commission split — on written and referred business
• Zero production minimums — no quotas, no minimums, no pressure
• Full book ownership — your clients belong to you
• Unique referral link — track every referral and commission in your portal
• No monthly fees — commission-only structure

The Referral Mechanics

Here's how a referral flows from introduction to commission:

1. Introduction: You share your unique MIA referral link with the client, or contact MIA directly to introduce them. You can do this via email, phone, or through your client portal.
2. Contact: MIA's licensed team reaches out to the client, typically within one business day.
3. Quoting: The MIA team shops 50+ carriers for the best rate and coverage combination for the client's specific needs.
4. Binding: If the client selects a policy, it binds under MIA's carrier appointments. Your account is credited the commission split.
5. Renewals: As long as the client maintains coverage, you continue receiving renewal commissions without any ongoing involvement.

Why the 80% Split Matters

Commission splits in the aggregator world range from 60% to 90%. The split percentage isn't just a number — it compounds significantly over the life of a book.

Consider an agent who refers 15 auto/home bundles per year, averaging $350 in first-year commission per policy. At 80%:

• Year 1: $5,250 in referral commissions
• Year 3: $5,250 new + $4,200 from renewals = $9,450 total
• Year 5: $5,250 new + $8,400 from renewals = $13,650 total

That's from 15 referrals per year. The renewal stack compounds every year the client stays on coverage — and P&C retention averages 85%+ annually.

Who Qualifies to Join MIA

MIA works with licensed agents across the country. Qualification requirements are minimal:

• Active state insurance license (P&C, L&H, or both)
• Current E&O coverage
• Completed MIA onboarding application

New agents, part-time agents, and agents who haven't written P&C before are all welcome. There's no experience minimum.

Every lead you lose is money you didn't have to lose. MIA is the structure that captures it — whether you write the business yourself or refer it to someone who will.