For Licensed Insurance Agency Principals
Stop Working With Vendors.
Start Working With a Partner.
We deliver enriched leads AND connect you to HIC's FMO contracts — so your agency writes more policies that stay on the books.
The Gap You're Living With
Most agencies are stuck working with vendors who only care about the transaction — not your retention.
✕Your lead vendor doesn't know your close rate
→Every lead comes with bank-verified buyer profiles
✕Your FMO doesn't know your retention data
→We track which leads produce policies that stay at 6 months
✕You're managing two vendors with zero visibility
→One partner handles both ends — leads AND contracts
Through Our HIC Partnership
Commission Programs That Actually Compete
Stop leaving money on the table. These aren't teaser rates — they're real numbers from our HIC FMO relationship.
Medicare Hybrid
- $325-$340 per approved application
- Paid weekly based on production/persistency
- 30-50% overrides and renewals
- Unlimited production potential
ACA
- $120 per app (bi-weekly) OR 6-month advance at street level
- 80% bonus pass-through
- YOU own your book
Final Expense
- 6, 9, or 12 month advances
- 18+ carriers, all comp levels
- Weekly or daily payments
The Enrichment Layer Nobody Else Has
Bank-Verified Buyer Intelligence
While other vendors sell you self-reported data that falls apart on the phone, we deliver leads enriched with bank-verified financial profiles.
- Bank-verified income (not self-reported)
- Homeownership + net worth indicators
- 2-3 trillion daily behavioral transactions monitored
- Ping enrichment in real-time on every call
Data That Converts
Know who you're calling before you dial. Our enrichment tells you income level, home ownership status, and financial behavior patterns.
3X
More likely to convert
实时
Real-time enrichment
Retention Intelligence
We Know Which Sources Write Policies That Stay
Most lead vendors optimize for volume. We optimize for retention. Our data tracks which leads produce policies that are still on the books at 6 months.
- 80%+ retention at 6 months
- Data feeds back into traffic optimization
- Your CPA drops over time, not rises
80%+
Retention Rate
at 6 months on policies written through our lead flow
Heritage vs. Typical Vendors
See why agencies making the switch report higher commissions and better retention.
| Feature | Typical Lead Vendor | Heritage |
|---|---|---|
| Lead Gen + FMO | Separate | One partner |
| Data Enrichment | Basic | Bank-verified |
| FMO Connection | None | HIC partnership |
| Commission Help | None | Medicare $325-340/app |
| Retention Tracking | None | Full visibility |
| Exclusivity | Often required | Never |
Ready to Beat Your Current Comp?
Find out what Heritage can do for your agency in under 5 minutes.
Or submit your current comp sheet — we'll tell you within 24 hours what Heritage can do for your agency.
Note: This page is intended for licensed insurance agency principals only. Commission rates and programs subject to production requirements and HIC contract terms.