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
One producer-focused ladder. Three levels — Agent, Senior Agent, Team Lead — earned by lifetime commissions on your own production. Every level has a distinct commission rate at every carrier. Overrides are the spread between an upline’s level and their direct recruit’s, first-generation only.
You are contracted directly with each carrier at United Services’ rate for your level- Higher level = higher commission rate on every product you sell
- The carrier pays you your commission, and pays your direct upline the spread — first generation only, never infinite downline
- Advance by lifetime commissions earned — not by recruiting
- Team-building is optional and unlocks at Senior Agent
- You own your book of business, vested from day one
- No monthly fees, no lead-purchase requirements, and no downline requirement to reach Team Lead
Every promotion increases your commission rate on every carrier — and, at Senior Agent, unlocks the option to build a team. Exact rates by carrier and level are in your Commission Calculator once contracted.
Team building unlocks at Senior Agent, and it stays optional — you can reach Team Lead on your own production alone.
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.
Transparent Structure
Our comp structure is public for a reason. You can see how the four levels work, what moves you up, and exactly how overrides are calculated — right here on this site. The carrier-by-carrier payout schedule is provided in writing when you join, before you write your first case. 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 ever lead a team, the override rewards the mentorship that helps them produce — the carrier pays you the spread between your contract rate and theirs, on the real business they write, and nothing comes out of their commission to fund it.
One Generation, No Pyramid
If you build a team, your override is simply the spread between your contract rate and theirs, on the business they write — and it stops at the first generation. Nobody earns on a sale several layers below them, nothing is skimmed off anyone's commission to pay it, and no one is kept at the bottom to prop up a hierarchy.
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.