For State Farm, Allstate, Farmers, and Farm Bureau agents
Do the math. Before you talk to anyone.
Move the slider to your approximate book size. See what your current split costs you every year, and what going independent with ISG would keep in your agency.
Live calculation
- Captive
- $100,000
- Aggregator, 80/20
- $96,000
- ISG United, Gold
- $114,012
Annual take-home commission
$1,000,000
Your approximate annual premium
01 · Captive model
As a captive agent
$100,000
Approximate annual take-home commission at typical captive rates.
Assumes 10% captive commission structure typical of major captive carriers.
02 · Aggregator model
In a traditional aggregator, 80/20
$96,000
What you keep after the group takes 20% of commissions.
Assumes 12% independent commission at 80/20 split with your aggregator.
03 · ISG United, Gold tier
With ISG United
$114,012
Full commission, minus your flat $499/month membership. That is it.
Based on ISG Gold tier, $499 per month. No splits, no percentage taken.
The difference is what your agency keeps. Every year. Forever.
+$14,012 / year with ISG vs. captive
From members
We are who people say we are.
“Partnering with ISG was one of the best decisions for my agency! After 13 years with Farmers, ISG made the move and grand opening so smooth and easy. You will NOT be disappointed!”
Richard S
Member Agent
“After leaving the captive market, nothing clicked until I met with ISG. They showed us how to keep our independence while gaining the support and market access we needed.”
Dennis S
Member Agent
“We've had a great experience working with ISG United. Their carrier access, operational support, and responsiveness have helped us stay competitive in a challenging market.”
Scott B
Member Agent
“After more than 20 years with Farmers, joining ISG was one of the best decisions for my agency. ISG provides flexibility and multiple options other brokerages don't offer.”
Donna K
Member Agent
“During a very tough market, ISG delivered on carrier access, back office support, and above all else — integrity. My agency is thriving.”
Ashley J
Member Agent
“ISG understands that visibility and credibility matter. The communication has been professional, the support consistent, and the partnership feels intentional.”
Oscar J
Member Agent
“Their experienced team and honesty made our decision to join easy. If you want a well-represented, trustworthy group, ISG is a great place to consider.”
Jack S
Member Agent
“When you are starting an insurance agency, there is no better partner than ISG United. Chris and the staff have always delivered more than they promised.”
Stacey R
Member Agent
“ISG has been such a great company to work with while starting up my own agency. Would highly recommend their services for anyone looking to start or grow their agency!”
Jacob W
Member Agent
“I was absolutely blown away by the professionalism, transparency, and genuine interest in my business. Chris and Lorin delivered on every promise.”
Bill M
Member Agent
“The best move I ever made. I come from a captive background and was always afraid to go independent. ISG helped me every step of the way.”
Zack T
Member Agent
“ISG United team are the best. I have been with them for over 2 years and would not consider going anywhere else. If you're looking for a group that truly cares, this is the team.”
Edwin C
Member Agent
“ISG United is absolutely wonderful to work with. They are personable, professional, and always go above and beyond to help Independent Agencies succeed.”
Tina M
Member Agent
“We love being part of the ISG team and family. Our insurance agency is growing with the support of ISG's team and expertise. Thank you ISG!”
Joy R
Member Agent
“We partnered with ISG a few months ago and they have been easy to work with. Very responsive. Very knowledgeable.”
Chad J
Member Agent
“Love ISG! They have been great to work with and have provided the support needed for my growing business.”
Amy W
Member Agent
“From day one, ISG's team has been incredibly supportive and committed to helping us succeed. What truly sets them apart is the people.”
Taylor C
Member Agent
“Partnering with ISG was one of the best decisions for my agency! After 13 years with Farmers, ISG made the move and grand opening so smooth and easy. You will NOT be disappointed!”
Richard S
Member Agent
“After leaving the captive market, nothing clicked until I met with ISG. They showed us how to keep our independence while gaining the support and market access we needed.”
Dennis S
Member Agent
“We've had a great experience working with ISG United. Their carrier access, operational support, and responsiveness have helped us stay competitive in a challenging market.”
Scott B
Member Agent
“After more than 20 years with Farmers, joining ISG was one of the best decisions for my agency. ISG provides flexibility and multiple options other brokerages don't offer.”
Donna K
Member Agent
“During a very tough market, ISG delivered on carrier access, back office support, and above all else — integrity. My agency is thriving.”
Ashley J
Member Agent
“ISG understands that visibility and credibility matter. The communication has been professional, the support consistent, and the partnership feels intentional.”
Oscar J
Member Agent
“Their experienced team and honesty made our decision to join easy. If you want a well-represented, trustworthy group, ISG is a great place to consider.”
Jack S
Member Agent
“When you are starting an insurance agency, there is no better partner than ISG United. Chris and the staff have always delivered more than they promised.”
Stacey R
Member Agent
“ISG has been such a great company to work with while starting up my own agency. Would highly recommend their services for anyone looking to start or grow their agency!”
Jacob W
Member Agent
“I was absolutely blown away by the professionalism, transparency, and genuine interest in my business. Chris and Lorin delivered on every promise.”
Bill M
Member Agent
“The best move I ever made. I come from a captive background and was always afraid to go independent. ISG helped me every step of the way.”
Zack T
Member Agent
“ISG United team are the best. I have been with them for over 2 years and would not consider going anywhere else. If you're looking for a group that truly cares, this is the team.”
Edwin C
Member Agent
“ISG United is absolutely wonderful to work with. They are personable, professional, and always go above and beyond to help Independent Agencies succeed.”
Tina M
Member Agent
“We love being part of the ISG team and family. Our insurance agency is growing with the support of ISG's team and expertise. Thank you ISG!”
Joy R
Member Agent
“We partnered with ISG a few months ago and they have been easy to work with. Very responsive. Very knowledgeable.”
Chad J
Member Agent
“Love ISG! They have been great to work with and have provided the support needed for my growing business.”
Amy W
Member Agent
“From day one, ISG's team has been incredibly supportive and committed to helping us succeed. What truly sets them apart is the people.”
Taylor C
Member Agent

Free guide
10 Crucial Questions to Ask Before Joining Any Insurance Agency Group
Upfront fees. Commission splits. No profit-sharing. Lack of ownership. Know exactly what to ask before you sign — so you don't find out too late what you actually agreed to.
By Chris Hill, COO · 5 minute read

Who built this
“Built by an agent, for agents.”
Brian Robinson, CEO and Founder
Former captive of 11 years. Founded ISG United in 2016 after living inside the aggregator model. Every number in the calculator above reflects the real ISG member experience.
Learn more about Brian →