Which insurance aggregator pays the most?

The aggregator that “pays the most” is the one that takes the least: your take-home is the carrier commission minus the network’s cut. On that math, low-override networks lead — Keystone (1–3% override) and the 2–3% tier (SIAA, Renaissance, Agents United) leave roughly 97–99% of commission with you. VIAA advertises a 90/10 split with profit share on top. Franchise models like Goosehead (80/20 new business, 50/50 renewal) take far more — in exchange for doing far more.

How aggregator pay actually works

Networks earn one of three ways: a percentage override skimmed off every commission (most common, 2–4%), a commission split (franchise-style, much larger), or flat fees/dues (rare — PIA’s membership model). Two networks can both say “competitive compensation” and differ by tens of thousands a year on the same book. The only honest comparison is modeling your premium volume — the aggregator cost calculator does exactly that.

Don’t forget profit sharing

Top-line split isn’t the whole paycheck: several networks pass through carrier profit-sharing and contingency bonuses that solo agents rarely qualify for alone — sometimes worth more than the override costs. We keep a running list in which aggregators offer profit sharing. And remember the ceiling matters too: what the carrier pays before any split — see which carriers pay the most commission.

FAQ

Which insurance aggregator pays the most?

Take-home pay is commission minus the network’s cut, so low-override networks pay the most: Keystone (1–3% override) and the 2–3% tier (SIAA, Renaissance, Agents United) leave 97–99% with the agent. VIAA advertises a 90/10 split plus profit share.

What is a typical aggregator commission split?

Most alliance networks take a 2–4% override rather than a split, leaving 96–98% with the agent. Franchise models differ sharply — Goosehead, for example, reports 80/20 on new business and 50/50 on renewals.

Do aggregators take part of your commission?

Yes — that’s the business model. The question is how much and in exchange for what: carrier access, service support, and profit-sharing eligibility can be worth more than the override costs, or much less.