Agents & Agency Owners

Get Contracted with Encore

Encore supports independent producers and agency owners through flexible contracting pathways designed around production goals, business structure and long-term growth.

See If You Qualify

Own Your Book of Business

Your client relationships and book of business remain yours. Book ownership, renewals, vesting, release rights and related rights are subject to applicable carrier, agency and contracting agreements.

Stay Independent

No captive mandates or proprietary product quotas — you continue to serve clients as an independent professional.

No Obligation

A confidential, exploratory review to see if you qualify, with no pressure or commitment.

Contracting Positioning

100% Street-Level Contracting

For qualifying independent agents, Encore generally targets a 100% street-level starting contract following an initial review and interview, subject to carrier availability, state licensing, appointment requirements, product eligibility and the applicable contracting structure.

For Experienced Producers & Agency Owners

Street Level Is the Starting Point — Not the Ceiling

Experienced producers, agency owners and established organizations may have access to materially higher contract levels and broader agency economics based on production history, team structure, carrier eligibility and the overall relationship with Encore.

For the right organization, Encore can evaluate:

Higher-than-street contract opportunities
Agency-level compensation structures
Downstream production economics
Team-building and override opportunities
Multi-line contracting pathways
Broader strategic growth structures

The goal is not simply to place an established producer at a standard contract level. For larger opportunities, Encore can evaluate a compensation and growth structure that better reflects the scale of the producer, team or organization.

See If You Qualify

Contract levels, overrides and agency economics vary by carrier, product, state, production history, eligibility and contracting structure and are not guaranteed.

What We Support

Independent producer contracting
Personal-production pathways
Team and agency-building structures
Existing agency expansion
Advanced-market access
Production support
Technology and training
Multiple-line opportunities
Collaboration while maintaining an existing hierarchy where appropriate

See If You Qualify

Start a Contracting Request

Confidential review. No obligation. Encore supports independent contracting pathways. Book ownership, renewals, vesting, release rights and related rights are subject to applicable carrier, agency and contracting agreements. Share a few details about your business—actual contracting documentation is handled later through a secure process.

First Name

Last Name

Phone

State

Current Role

Primary Production Focus

Currently contracted through an IMO / FMO / agency?

What are you primarily looking for?

Whose production are you reporting?

Current typical contract level

Approximate annual placed premium / production volume

Use your approximate annual placed premium or closest comparable production volume. Additional context can be provided below.

What are you trying to produce or build over the next 12 months? (optional)

Brief message (optional)

Please do not include Social Security numbers, banking information, carrier passwords or login credentials, or contracting documents. Contracting paperwork is handled later through a secure process.

Encore does not guarantee contract levels, commissions, revenue, or production outcomes. See our Website Privacy Policy.

Encore Family Life Insurance Solutions · California-Licensed Independent Insurance Agency · California Insurance License #6009388. Insurance products and services are available only where Encore and the responsible insurance professional are properly licensed, authorized, and appointed. Requests from other states are reviewed individually without a promise of service.