Compare aggregators, MGAs, and IMOs — real pass-through rates, carrier access, book-ownership terms, and honest reviews, all reported by agents who’ve actually signed with them. Add your experience →
An insurance aggregator is a network that gives independent agents access to carrier appointments they couldn't get alone. The network pools premium across hundreds of agencies, so the carrier sees one large account while each agent reaches markets that would otherwise require $250K+ in annual premium. In exchange you give up a commission override — typically 2–4%.
Top 10 by agent rating: SIAA (4.4/5), Keystone (4.3), FirstChoice (4.2), Renaissance Alliance (4.1), Smart Choice (4.1), Darkhorse (4.1), SecureRisk (4.0), Brightway (4.0), ASNOA (4.0), First Connect (4.0). Keystone reports the lowest override at 1–3%.
How aggregators work → · Lowest fees → · Best contract → · Best for new agents → · Pays the most →
If you work with an aggregator not listed here, create a free account and add them. Every contribution makes InSifter better for everyone.