Independent Insurance Brokerage

Protection You Trust,
Transparency You Deserve.

United Services is an independent insurance brokerage built for producers by producers. We offer life insurance, annuities, final expense, term, and whole life solutions for individuals and businesses — with a compensation structure that is completely open, honest, and fair.

Explore Coverage See Our Comp Plan
Our Commitment
Agent Commission 75%
1st Gen Override 5%
2nd Gen Override 5%
Monthly Fees $0
Start-Up Costs $0
Book Ownership Yours
An independent, producer-first brokerage. Transparent pay, no hidden fees.
Our Services

What We Do

United Services is a licensed independent insurance brokerage that connects clients with the right coverage across life insurance, annuities, final expense, term, and whole life — and empowers producers with the tools, contracts, and support to build a meaningful practice.

Individual & Family Coverage

We help individuals and families secure their financial future through term life, whole life, final expense, and annuity products. Our agents take the time to understand each client's unique situation and match them with the solution that truly fits — not just what pays the most.

Business Coverage

From key person insurance to buy-sell agreements, we protect the businesses our clients have spent years building. When a critical team member is lost, the right policy ensures business continuity, debt protection, and financial stability for the organization and its partners.

Policy Review & Consulting

Already have coverage? Our agents will review existing policies to identify gaps, redundancies, or opportunities to improve terms. We act solely in the client's interest — no pressure, no upselling, just honest guidance.

Agent Contracting & Support

We contract licensed agents who want to write business the right way across life insurance, annuities, final expense, term, and whole life. With direct carrier access, back-office support, and a simple transparent comp plan, our agents are set up to succeed from day one — without startup costs or monthly obligations.

Why It Matters

The Case for Protection & Planning

Life insurance is one of the most practical financial tools available — for individuals, families, and businesses alike. Whether the goal is protecting a household, securing a business, or retaining key talent, the right coverage can make a meaningful difference when it matters most.

Individual Coverage

Protecting Your Family's Future

When a primary income earner passes away, the financial impact on a household can be significant. Life insurance is designed to help provide stability for the people who depend on you.

  • May help replace lost income for surviving dependents
  • Can be used toward outstanding mortgage or debt obligations
  • May provide funds for ongoing living expenses or education
  • Can help cover final expenses and estate costs
  • Permanent policies may accumulate cash value over time, subject to policy terms
  • Can be structured to leave a financial legacy
Business Coverage

Key Person & Executive Bonus Planning

Businesses depend on people. A key person policy helps protect the organization when a critical individual is lost, while a Section 162 Executive Bonus Plan can help attract and retain the talent that keeps the business growing.

  • Key person proceeds may help offset revenue disruption during a transition
  • Can provide funds to recruit and onboard a qualified replacement
  • May help satisfy lender requirements or protect existing credit lines
  • Can be structured to fund a buy-sell agreement between partners
  • Under IRC Section 162, executive bonus premiums paid as compensation may be deductible to the business as an ordinary and necessary expense*
  • Executive bonus plans allow the employee to own the policy and name their own beneficiary
102M Americans are uninsured or underinsured — LIMRA Insurance Barometer Study, 2023
44% of households would feel financial hardship within 6 months if a primary wage earner died — LIMRA, 2023
IRC §162 Federal tax code provision under which executive bonus plan premiums may qualify as a deductible business expense

* This is general educational information only and does not constitute tax or legal advice. Tax treatment depends on individual circumstances. Consult a qualified CPA or attorney before implementing any executive compensation strategy. Product availability and features vary by carrier and state.

Full Transparency

Our Compensation Plan

Simple, honest, and built for producers. No tiers, no quotas, no hidden math — just a clear structure that rewards the work you put in.

  • yes 75% commission on every policy you write
  • yes 5% override on the production of agents you bring on
  • yes 5% override on their agents' production — and it stops there
  • yes Build a team as large as you like — the override never runs deeper than two levels
  • no No monthly fees or startup costs
  • no No pay for headcount — only real production earns overrides
  • yes You own your book of business
Compensation Structure
You
Direct production
75%
Commission on
your own sales
1st Gen
Your direct agents
5%
Override on
their production
2nd Gen
Their agents
5%
Override on
their production
How it works: Overrides are earned on your team's production — never on bringing people in. If your team isn't writing business, neither level pays. The structure stops at two levels. That's the whole thing.
Our Difference

Why United Services

We built this brokerage for agents who are tired of complicated structures, hidden fees, and organizations that benefit more from their agents than the agents themselves.

01

Producer-First Philosophy

Everything we do is built around the producer. Our job is to give you the contracts, carriers, training, and support you need to go out and write business. Nothing more, nothing less. We don't make money unless you do.

02

Total Transparency

Our comp plan is posted publicly for a reason. We believe you have the right to know exactly what you earn, where it comes from, and what the rules are — before you ever sign anything. No fine print, no surprises.

03

Structure You Can See Through

We're a licensed insurance brokerage, and our income comes from the policies our agents write for real clients. If you choose to lead a team, the override rewards the mentorship and management that help them produce — tied to their production, and capped at two levels.

04

Broad by Design, Not Deep

If you want to build a team, you can bring on as many agents as you like. The override, though, is deliberately shallow — it rewards two levels and stops there. No tall hierarchy above you to feed, and none below you to prop up.

05

Zero Entry Cost

Getting started costs you nothing beyond obtaining your license. There are no training fees, no monthly software charges, and no buy-ins. Your only investment is your time and your effort in the field.

06

Licensed & Independent

As an independent brokerage, we work with multiple carriers — giving you and your clients real choice. We are not tied to one company's products, which means recommendations are based on fit, not obligation.

Reach Out

Let's Connect

Whether you're a prospective client looking for life insurance, an annuity, final expense, or business coverage — or a licensed agent interested in contracting with us — send us a message and we'll be in touch.