Frequently Asked Questions

How do I get appointed? What carriers are you doing business with? What if I am currently licensed with one of your carriers? I am an MGA that is direct with one of your companies. What will I gain by going under W.I.N.? If I am earning a bonus with my current company will I receive this bonus level if I contract under W.I.N.? If I am at a certain bonus level and my production increases enough to move me into a higher bonus bracket will my bonus be retroactive? How are bonuses paid? Are bonuses guaranteed? Are bonuses excluded with any of your carriers? Is my contract vested? What benefits are available to help me recruit new agents? What markets do you specialize in?

How do I get appointed?

All appointments and contracts are approved by a committee that looks for production commitments regarding our existing carriers. Once you are approved, contracts will be sent to you regarding each company or you may print an online contract from our website.

What carriers are you doing business with?

American General Americo Assurity Chase Empire General Genworth (GE/ GECA) Life Investors National Guardian Old Mutual Financial Network (F&G) US Financial West Coast

What if I am currently licensed with one of your carriers?

Providing you have a top contract, i.e., MGA or BGA and do not have an upline you can have your contract moved directly under the W.I.N. contract. If you have an upline, you will need a release if the company requests it. If not, then you are free to contract directly with W.I.N.

I am an MGA that is direct with one of your companies. What will I gain by going under W.I.N.?

W.I.N. offers you the ability to recruit additional agents and advertise at substantially reduced costs. In addition, to reduced costs and increased recruiting, W.I.N.’s commissions and bonuses are far superior to other agencies. We have the top level contracts with all of our carriers and we well pass on bonuses to our MGA’s, BGA’s and agency builders.

If I am earning a bonus with my current company will I receive this bonus level if I contract under W.I.N.?

Yes, we will not place any agency on a lower bonus level than you are currently earning. If fact, with the increased number of companies, it is anticipated that you will be in a higher bonus level with W.I.N.

If I am at a certain bonus level and my production increases enough to move me into a higher bonus bracket will my bonus be retroactive?

Yes, provided the bonus earned is paid retroactive by the carrier. Should the carrier pay bonus on a prospective basis then bonus with that particular company will not be retroactive.

How are bonuses paid?

Bonuses are paid on an as earned basis and should be paid monthly unless the carrier has a different arrangement, i.e., quarterly or annually. Most bonuses earned monthly are paid no later than the 20 th of the following month.

Are bonuses guaranteed?

Bonuses are guaranteed based upon the carrier’s bonus program. Since bonuses are paid only on paid business, they are fully guaranteed.

Are bonuses excluded with any of your carriers?

No, all carriers participate in a bonus program and we will pass along all bonuses that you are entitled to earn. Since we earn top bonuses with all carriers this gives you an advantage. You may not qualify with an individual company but collectively your production will qualify for a bonus with W.I.N.

Is my contract vested?

Yes, all contracts are vested.

What benefits are available to help me recruit new agents?

Since we own our own mailing house, we can pass on lower advertising, mailing and postal costs to you. These substantially lower rates give you an edge over your competition. In addition to lower rates for recruiting, we have lead programs available for you to provide for your agents. We are looking to expand our lead programs that have been extremely successful throughout the country. We can design a custom website exclusively for your agency and provide you with a personalized W.I.N. newsletter for your producers.

What markets do you specialize in?

We have experience and carriers to handle all situations including impaired risks. We have the most competitive term products and UL products in the industry. Our expertise has been with Return of Premium term products, non-med term market, mortgage term market and equity indexed UL products. This expertise has allowed us to work directly with companies to develop products exclusively for our markets.