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.
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.
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.
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
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
* 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.
Our Compensation Plan
Simple, honest, and built for producers. No quotas, no gotchas, no hidden math — just a clear path that rewards the work you put in.
70% to 90% commission — you start at 70% and climb as you produce- Advance by production, not by recruiting headcount
- Earn the spread — the difference between your level and your team's — on every policy they write
- Overrides reward real producers below your level — never empty generations
- Your override is the spread between your level and your team's — never a permanent cut skimmed off the top forever
- No monthly fees or startup costs
- The large majority of every commission is yours — no hidden splits or surprise deductions
- You own your book of business
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.
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.
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.
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 that helps them produce — you earn the spread between your commission level and theirs, tied to the real business they write.
No Permanent Cut
Build a team as large as you like — your override is simply the spread between your commission level and your team's, on the business they write. As they climb toward your level, that spread shrinks; reach it, and it's simply zero — no permanent cut flowing up a hierarchy, and no one kept at the bottom to prop it up.
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.
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.
Captive vs. independent insurance agent — which path is right for you? →
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.