(804) 731-3050

"THE PARTNER FOR INDEPENDENT INSURANCE AGENTS"

Smart Choice® Virginia Agents Program 

Updated November 10,  2018

 Virginia Insurance Agent Network Program | Call Roger Gill (804) 731-3050 | Independent Insurance Agent Cluster | Access Insurance Carriers

 

Watch The Video Below To Learn About The Smart Choice Virginia Agents Program

To Talk With Smart Choice® State Director Roger Gill, Call (804) 731-3050

 

The Smart Choice Agents Program Virginia Independent Insurance Agent Update on the Smart Choice Agents Program (804) 638-9024 has provided insurance agents with access to carriers and brokers since 1994.  Over the past several years,  the Smart Choice Virginia Agents Program Team has been working hard to make their Virginia Insurance Agents Program even better.   The following is an overview that will provide some insight as to why I believe this program is the best opportunity for Virginia Insurance Agents to expand their markets with top rated, diverse carriers, receive higher commissions and bonuses, and have unequaled support services.  Bookmark this page for easy future reference (Ctrl  D).

 

IMPORTANT REMINDER:  Smart Choice provides access to direct appointments with many personal and commercial lines carriers with limited commitments.  All production with direct appointment carriers adds to the DWP CAP — the pathway toward 100% commissions, contingency bonuses, and more!  See the Advantages of becoming a Smart Choice Leadership Agency below.

 

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Why Choose Smart Choice Agents Program? 

 

Reasons to recommend our Smart Choice Agents Program in Virginia:  I chose the Smart Choice Agents program over the other alliance and aggregate opportunities for the following main reasons:

 

(1)  Access to Top-Rated, Competitive Carriers

(2)  No Startup or On-Going Fees

(3)  Own 100% of Your Book of Business

(4)  Perpetuate Your Agency the Way You Would Like

(5)  Contingency Sharing and Bonuses — Mostly at the TOP TIER

(6) Training & Support

(7)  Many Money Saving Benefits 

 

In summary, the Smart Choice Virginia Insurance Agent Program provides you with access to top rated, insurance carriers without a large upfront fee or ongoing perpetual fees.   Smart Choice shares a commission split up to a cap each year; after the cap is reached, the agent receives 100% of commissions over the cap.  (Details about commissions are explained in the Smart Choice Agents Agreement (request one from Roger Gill).  It is important to understand that with the large national production volume of over 6400 agents, our Smart Choice Carrier and Wholesale partners generally pay TOP TIER commissions.  The result is more net commissions to Smart Choice Agents–from the Base and Contingency Sharing Commissions to additional bonuses and incentives.

If and when you decided to sell or give away your agency—no problem, you can.  Smart Choice does not own an equity position in your agency—you own 100% of the agency and book.

For details about any of the above summary reasons why I believe Smart Choice is also the BEST CHOICE for Independent Agents.

 

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IMPORTANT RECENT NEWS

 

 

  1. NEW:   Need E&O for your new agency–Contact Curtis Ezzelle  (888-264-3388 x3053curtise@smartchoiceagents.com
  2. NEW:   CRC  (EXPRESS MARKET)  Access 300+ Standard & E&S Carriers; e.g.; Transportation, Energy.
    1.     One-Stop-Shop:  MGU Programs, and Underwriting Wholesaler & Specialty Markets.   Learn More 
  3.  NEW:   Insurance LEADS Now Available with Discounted Rate:  Learn More About EVERQUOTE PRO LEADS 
  4.  NEW:   Utica direct sub-code appointments available soon!
  5.  NEW:   Safeco is offering full and partial Book Roll incentives!
  6.  NEW:   ALL Risk QuickHome Program–One-Stop for Non-Standard Home including Coastal.  
  7.  NEW:   Smart Start Personal Lines–Join the Quick Start Club! 
    1.     Earn an extra $25 for every new policy bound for the first 60 days for up to five policies. 
    2.     Use the Smart Start PL program to earn a sub-code direct appointment!
  8.   NEW    Increased Benefits for Smart Choice Leadership Agencies.  Click Here for more Info.
  9.   NEW:   Assurant Flood (EXPRESS MARKET) Provider of NFIP and private market flood insurance.
  10.   NEW:   HISCOX Available Now!   Fifteen (15%) Commission! NO Split.
  11.   NEW:   Tokio Marine (EXPRESS MARKET) Artisan Contractor–Easy-to-Use Online System.
  12.   NEW:   Grange Commercial Insurance is Available in Virginia NOW!
  13.   NEW:   Nationwide PL & CL Appointments Available in Virginia NOW!
  14.   NEW:    All Agencies should have EXPRESS MARKETS to expand market offerings.  See Listing Below.
  15.   NEW:    MetLife Auto & Home has lowered rates in areas of Virginia and is Offering Book Roll Incentives!
  16.   NEW:   The New State Auto Commercial Platform will be available in Virginia earl Fall 2018.
  17.   NEW:    Liberty Mutual CL Available in Virginia NOW!  Special LOW commitment level for Smart Choice Agents!
  18.   NEW:   SES (EXPRESS MARKET)  Habitational Landlord Tenant Risks with no limit on properties!
  19.   NEW:   RPS  (EXPRESS MARKET) Broad & High RISK Markets E&S and Standard Markets are now available!
  20.   NEW:   BH Guard is now offering TOWING Coverages!
  21.   NEW:   FREE Insurance Agent Resources NOW Available 

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Smart Choice Programs

Five Programs with Market Access and Support

 

Smart Choice offers Four Programs for agents to access P&C carriers and One Program to access Life Insurance carriers and services–Quick Life.  The P&C Programs include:  Smart Start Personal Lines Program, Smart Start Commercial Lines Program, Express Markets, and Sub-Code Direct Appointments.  

 

I.  Smart Start Personal Lines Program  allows agents instant access to 7 top-rated personal lines carriers without needing an appointment and with no premium commitments.  Has a 70/30 commission split with Smart Choice (Agent gets 70%) and are a pathway to a direct appointment.  Requires a subscription to the Ezlynx Comparative Rater (available at a discounted rate).  Features include:

  • Instant Access to 8 Top-Rated Carriers
  • No Appointment Needed with Carriers
  • No premium volume requirements
  • Receive competitive commissions (most companies pay 15% on new business)
  • Dedicated underwriter to assist and bind coverage
  • Uses the Ezlynx Comparative Rater
  • Pathway to Smart Choice Sub-Code Direct Appointments

 

Smart Start Personal Lines Program

 

 

 

II.  Smart Start Commercial Lines Program  allows agents instant access to 10 top-rated commercial lines carriers without needing an appointment and with no premium commitments.   Has a 70/30 commission split with Smart Choice (Agent gets 70%) and are a pathway to a direct appointment. Features include:

  • Instant Access to 10 Top-Rated Carriers
  • No Appointment Needed with Carriers
  • No premium volume requirements
  • Receive competitive commissions (most companies pay 15% on new business)
  • Dedicated underwriter to assist and bind coverage
  • Uses an Online Form on the Smart Choice Agents Business Center Portal
  • Pathway to Smart Choice Sub-Code Direct Appointments

 

Smart Start Commercial Program 

 

 

 

III.  Smart Choice Agents Program — Sub-Code Direct Appointments allows agents to obtain appointments with some of the top-rated Personal and Commercial Lines carriers in the industry, with limited premium commitments through sub-codes with Smart Choice. Has a 70/30 commission split with Smart Choice (Agent gets 70%) up to an annual Commission CAP, then agent receives 100%.  Sub-Code Direct Appointments are the pathway to the primary agency goal of Leadership Agency Status with enhanced earnings and benefits.  Although the carriers make the appointment decision, Smart Choice Territory Managers and State Directors work closely with carriers and assist agencies in the appointment process.  See a list of the Smart Choice Carriers below.

  • Access Carriers Directly
  • Low Minimum Premium Commitments
  • Potential to Earn Bonuses & Contingency Sharing
  • Potential to Earn 100% Commissions
  • Book Roll Services with Bonuses via Carrier Partners
  • Aggregation Opportunities to Enhance Net Commissions
  • Only Sub-Code Appointments Count Towards the CAP
  • Pathway to Leadership Agency with Enhanced Earnings & Benefits

 

 

Smart Choice Agents Program — Sub-Code Direct Appointments

 

 

 

IV.  Smart Choice Express Markets allows agents nearly instant access to Top-Rated Carriers & Brokers that provide a broad segment of diverse Commercial and Personal Lines coverages from Admitted Standard Markets to Non Admitted E&S via a direct appointment.    The Express Market carriers pay 100% commissions to Agents with no split to Smart Choice;  most do not require any premium commitment, and the appointment process is quick.  Click to Learn more about the Smart Choice Express Markets.   See the EXPRESS Commercial Carriers in the list below.  Features include:

  • Nearly Instant Access
  • 100% commission paid directly to agent
  • Access to Personal, Commercial, Excess/Surplus, & Specialty Markets
  • Directly appointed with the carriers
  • No or very limited production requirements
  • No fees

 

V.  Smart Choice Life allows agents instant access to a user-friendly, online rating platform that makes it easy to provide Individual and Group Benefits and Life, LTC, DI and Annuities.. We offer a complete service which can handle all of the paperwork and para-med scheduling for you.  Smart Choice also offers easy-to-use products through Smart Choice Quick Life powered by Insure Now Direct, Lincoln Financial, & AgentLink. We also offer hands on assistance and training from our dedicated Life Insurance representative Choco Harwell.   Watch the Quick Life Video Demo   Download the Quick Life Info Sheet

 

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Smart Choice Agent Services & Benefits

 

NOTE:  The Vendor Services and Products are discounted for Smart Choice Agents!  Go to the links below for Details.

Book Rolls and Book Aggregations may immediately increase your current and future income.  For example, one carrier currently pays an 8% bonus (Pays directly to agent–no split) on personal lines DWP for a book roll. Carriers generally do most of the work for books over 250,000 DWP.   Call Roger Gill (804) 731-3050 for details.

CE  Authority   $29 a year for a Library of Insurance Courses and Complete CE Requirements!   

Smart Choice Agents Referral Program  Get paid by simply referring insurance agents to Smart Choice.   Download Smart Choice Referral Agreement and return to Roger Gill.

Smart Choice Group E&O    Get E&O coverage in minutes —  Online Form from CalSurance

EzLynx Comparative Rater & Management System   Discounted for Smart Choice Agents

QQ  Solutions Management System   Discounted for Smart Choice Agents

Applied Rater (Formerly SEMCAT RATER)   Discounted for Smart Choice Agents

Smart Choice Website Builder    Professionally-designed and maintained websites for extremely reasonable prices!  Sign up for monthly hosting and get your website creation free! 

Smart Choice® Magazine  Learn  about the history and development of Smart Choice in our Monthly Magazine.

Live Oak Bank    Financial Solutions to support agency growth

Oak Street Funding   Financial Solutions to support agency growth

Smart Choice Carrier Spreadsheet  To provide a quick overview and a detailed review of the many carriers that Smart Choice has provided for Virginia agents, I am developing a Master Virginia Carrier spreadsheet with many features and components—Market Segmentation, Underwriting Guidelines, Coastal Guidelines, etc….. and that will keep you informed.  This Tool is intended to provide you with a quick determination of carrier markets and the information to move quickly toward meeting the needs of your clients.

 

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Become a Smart Choice Leadership Agency

 

PRIMARY GOAL:  Become a Smart Choice Leadership Agency.  As a member of the Smart Choice® Leadership Agent Club, you get special access to a variety of special bonuses and incentives.  You’ve proven yourself to be a successful agency owner, who over time has written a level of business through Smart Choice carriers, that has earned you the right to receive the following benefits:

  • Exclusive Smart Choice Gify Box
  • 100% Commissions
  • First opportunity to purchase other Smart Choice agencies  (as available)
  • Access to exclusive contests and additional compensation opportunities from Smart Choice carrier partners
  • Eligible to qualify for the annual Leadership Agent Trip
  • Opportunity to earn bonus and contingency sharing each year
    • Loss Ratio Forgiveness: If your agency’s loss ratio doesn’t meet the annual requirement, the agency’s two year average will be considered
    • Growth Forgiveness: If your agency’s growth is 1% or less with a carrier, but total growth with Smart Choice carrier partners exceeds 10%, the agency will still qualify

Contact Roger Gill to develop your plan to become a Smart Choice Leadership Agency.

 

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COMMERCIAL LINES SUB-CODE DIRECT APPOINTMENTS

 

Smart Choice Virginia Agents Program Carrier Partners:  Below are our current Virginia Insurance Carrier Partners that provide a broad segment of diverse commercial markets.  Direct appointments with our commercial carriers generally only require minimum commitments of one to two policies per month average or about $50,000 in new DWP annually.  Agents have direct access to directly appointed carriers.

 

Berkshire Hathaway Guard    (Commercial Lines Direct—NOW offering TOWING Coverage!)

CNA  (Commercial Lines – Smart Start Commercial and Direct)

Donegal  (Commercial Lines Direct)

Grange  (Commercial Lines Direct)

Liberty Mutual  (Commercial Lines Smart Start Commercial and Direct–Offering Bonuses for 2018)

Main Street   (Commercial Lines Direct)

MetLife Small Business  (Commercial Lines – Smart Start Commercial and Direct via Dovetail-Offering Bonuses for 2018)

Nationwide / Allied  (Commercial Lines Direct)

NetComp   (Stand Alone Workers Comp–Startups and Lapses Welcomed!)

State Auto   (Farms–BOPs, BA, WC, & UM)

The Hartford   (Commercial Lines – Smart Start Commercial and Direct)

Travelers  (Commercial Lines – Smart Start Commercial and Direct)

Guide One (Commercial Lines Direct–Coming January 2019)

 

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EXPRESS MARKETS DIRECT APPOINTMENTS

 

Smart Choice Virginia Agents Program EXPRESS MARKET Carrier Partners:  Below are our current Virginia EXPRESS MARKET Insurance Carrier Partners that provide a broad segment of diverse Commercial and Personal Lines coverages from Admitted Standard Markets to Non Admitted E&S.  The Express Market carriers pay 100% commissions to Agents with no split to Smart Choice,  most do not require any DWP commitment, and the appointment process is quick.

 

All Risks  (EXPRESS   QuickHome plus Broad Risk Brokerage–pays agents directly)

Arrowhead  (EXPRESS    Personal Lines Homeowners–pays agents directly)

Assurant  Flood   (EXPRESS  NFIP and Private Flood Program–pays agents directly)

Atlas   (EXPRESS Commercial Lines Class A Contractors up to 100% Subs, Artisans, and more–pays agents directly)

BTIS  (EXPRESS Commercial Lines GL and WC mainly for Artisan Contractors–Startups and Lapses welcomed!  Pays agents directly)

Burns & Wilcox Brokerage  (EXPRESS  Broad Risk Brokerage–E&S and Standard Markets–pays agents directly)

Cabrillo  (EXPRESS   Personal Lines Coastal Homeowners — Admitted & Surplus lines with A rating–pays agents directly)

CRC   (EXPRESS  Broad Risk Brokerage–E&S and Standard Markets–pays agents directly)

DoveTail   (EXPRESS Commercial Lines–Smart Start Commercial and Direct–pays agent 100% via Smart Choice)

Five Star (EXPRESS Commercial Lines — Transportation — Trucking, Limos, & Taxis, and more–pays agents directly)

Hagerty  (EXPRESS    Personal Lines Classic & Antique Auto.  Pays agents directly)

HISCOX  (EXPRESS Commercial Lines BOPs, Professional Liability & More; 15% Commission; No Split)

Legends  (EXPRESS Commercial Environmental Insurance Services–pays agents directly)

RMS   (EXPRESS    Hospitality Industry – Motels to Night Clubs — pays agents directly)

RPS  (EXPRESS  Broad Risk Brokerage–E&S and Standard Markets–pays agents directly)

SES  (EXPRESS    Habitational Landlord Tenant Risks with no limit on properties!–pays agents directly)

TAPCO Brokerage   (EXPRESS    Broad Risk Brokerage–pays agents directly)

Tokio Marine  (EXPRESS Artisan Contractor BOP — Admitted & Non Admitted Commercial Lines Direct)

USLI  (EXPRESS   Commercial Lines–Available via Tapco Direct–pays agents directly)

 

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PERSONAL LINES SUB-CODE DIRECT APPOINTMENTS

 

Access to Personal Lines Insurance Carriers for Virginia Agents

 

Below are the current Smart Choice Virginia Agents Program Personal Lines Insurance Carrier Partners that provide a broad segment of diverse, markets with limited commitments.

 

Allied (Nationwide)   (Personal Lines)

All Risks  (EXPRESS   Quick Home plus Broad Risk Brokerage–pays agents directly)

Allstate  (Mainly for Rural Areas)

ArrowHead   (EXPRESS Personal Lines Mono Homeowners– pays agents directly)

Assurant Flood  (EXPRESS  Full Service Provider of NFIP and Private Market Flood Insurance)

Augusta Mutual  (Personal Lines Homeowners- PC 9&10s Welcomed!)

AVIA Life  (Online Direct Purchase Client Portal Term Life)

Cabrillo  (EXPRESS  Personal Lines Coastal Homeowners — Admitted & Surplus lines with A rating. Pays agents directly)

Dairyland  (Standard Motorcycle and Non Standard Auto)

Donegal  (Personal & Commercial Lines)

Encompass  (Smart Start and Personal Lines Direct)

Foremost   (Personal Lines Specialy, Dwellings, and Non Standard Auto)

Grange   (Personal Lines Smart Start, Personal & Commercial Lines Direct, and Life)

Hagerty  (EXPRESS    Personal Lines Classic & Antique Autopays agents directly)

Kemper   (Personal Lines Smart Start and Direct)

Lincoln Financial  (Life and Annuities)

Main Street   (Personal & Commercial Lines Direct)

Mercury  (Personal Lines Smart Start and Direct)

MetLife  Auto & Home  ( Personal Lines Smart Start, Direct and Flood)

Nationwide  (Personal & Commercial Lines Direct)

Quick Life Program  (Life Insurance–Quick & Easy Quote engine for multiple carriers–Professional Team will do it all for you!)

TAPCO Brokerage   (EXPRESS  Broad Risk Brokerage–pays agents directly)

Travelers  (Personal & Commercial Lines Smart Start —  Direct)

TREXIS formerly ALFA Vision & Select  (Non Standard Personal Lines Auto)

Safeco  (Personal Lines Smart Start — Direct)

State Auto  (Personal and Commercial Lines and Farms Direct)

Stillwater  (Personal  Lines Smart Start — Personal and Commercial Lines Direct)

 

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STATE DIRECTOR & TERRITORY MANAGER

About Your Smart Choice Virginia Agents Program State Director & Territory Manager Roger Gill ​

  • ​Over Twenty years of Agency Management Experience–Both Captive and Independent.
  • ​Founder of the Fast Growing Independent Agency — The Insurance Advisor — Founded in 2012​.
  • ​Built The Insurance Advisor from Scratch ​to a Smart Choice CAP Agency in Less Than Four Years.
  • Provides Training and Resources to Enhance Profitable Agency Growth.
  • Provides Online and Offline Marketing Support.
  • Provides Assistance with Business Development — Startups to Large, Experienced Agencies.
  • ​Ezlynx Comparative Rater and Agency Management System Experience–We use and know Ezlynx!​
  • We Share our Agency Processes and Technologies — Value Added Resources to Enhance Efficiency & Effectiveness.
  • Extraordinary Agency Services and Responsiveness — We Give Our Cell Numbers to Our Agents.
  • Learn More About Roger on LinkedIn

 

Want to know what Insurance Agency Owners and Carriers say about Roger Gill?   CLICK HERE  

 

Please let me know if you have any questions.  I look forward to working with you.

 

Roger L. Gill | Smart Choice® State Director of Virginia | (804) 731-3050 | RGill@SmartChoiceAgents.com | Independent Insurance Agent Network

 

Roger L. Gill
___________________________

 

Smart Choice® Virginia State Director & Territory Manager

7633 Hull Street Rd, Ste 100
North Chesterfield, VA  23235

C: 804-731-3050
F: 804-638-9900

rgill@smartchoiceagents.com

www.smartchoiceagents.com
www.facebook.com/SmartChoiceVirginia