Agents Alliance Services review for insurance agencies: fees, carrier access and book ownership
Agents Alliance Services is a Texas agency network with more than 135 carriers. Full members get carrier access, an AMS360 technology setup and a back office that reconciles their commissions each month.
It charges no membership fee and is paid from a share of commission. Its website says agencies keep up to 90%.
A carrier appointment is the contract that lets you sell a carrier's policies. When the network holds it, that contract is its master code, and you work under it on a subcode, a code issued in your name beneath the network's.
The commission split is the part of each commission the network holds back. Profit sharing is the bonus carriers pay once a year for low claims and growth. Your book is your clients plus their expirations, meaning the renewal records you need to keep or sell the business.
- Best for
- Startups and captive agents going independent who want a full back office
- Membership fee
- $0
- Commission share
- Keeps at least 10%, per its website
- Carrier access
- Through its carrier contracts
- Startups
- Yes
Our take
Agents Alliance Services suits a new agency or captive agent going independent who wants the accounting and software handled from day one. It says you own your book and can leave with it, with no buyout.
The gap is paperwork. It doesn't publish its split by carrier, its software costs or its membership agreement, so ask for all three before you sign.
Pros
- No membership fee
- More than 135 carriers
- Monthly commission and premium reconciliation
- AMS360 and a rater set up for you
- Says no buyout or exit penalty
Cons
- Split by carrier is not published
- Membership agreement is not public
- Software costs are not posted
Who they take
- Startups
- Yes, including agencies built from scratch and captive agents going independent
- Production minimums
- It says most of its carriers have no production requirement
- Lines
- Mostly P&C, with some life and health
What it costs
Agents Alliance Services charges no membership fee. It is paid from a share of your commission, and its website promises agencies up to 90% of the commission. It does not post the actual split by carrier.
| Fee | Amount | How often |
|---|---|---|
| Membership fee | $0 | Not charged |
| Commission kept | At least 10%. Its website says you keep up to 90% | Every commission payment |
As of October 2026, from agentsalliance.insure. Ask for the split for each carrier and the price of the required software in writing.
How you get carrier access
It lists more than 135 carriers. A second option, Select Access, adds commercial markets for agencies that keep their own appointments and don't want full membership.
Your own appointments
With Select Access you keep your existing appointments and add its commercial markets. Full members have no published path to their own codes.
The network's code
Full members write through carrier contracts that Agents Alliance Services manages for them.
- Carriers
- Nationwide, Chubb, Safeco, Travelers, Liberty Mutual, Progressive, Texas Mutual, Mercury and others
How you get paid
- How commission is handled
- Its accounting team reconciles commission every month, plus premium on both agency bill (you collect it) and direct bill (the carrier collects it)
- Commission schedule
- Its website says up to 90% to the agency
- Profit sharing
- Carrier profit sharing is part of membership, with no published formula
Your book and leaving
Agents Alliance Services says you own your name, logo and book outright, with no vesting, buyout or exit penalty if you leave. Its agreement is not public, so get these points in the contract.
- Who owns the expirations
- You, according to Agents Alliance Services
- Your clients
- You keep the client relationships and control renewals and service
- Liens and transfer fees
- It says there is no buyout, vesting or exit penalty
Technology, E&O and support
Technology
- AMS360 agency management
- PL Rating comparative rater
- AgencyZoom, DocuSign and its Alliance365 app
- Software at a group discount
Help you get
- Help placing commercial business
- Agency bill and direct bill accounting
- Custom onboarding and Kickoff training events
- Help building your online presence
Who owns the network
- Owner
- Privately held by its founder's family
- Buys member agencies
- No
- Runs its own retail agency
- No. Its founder separately owns a Texas agency
Agents Alliance Services alternatives
- Smart ChoiceNo monthly feeNo entry or monthly fee, keeps 30% until a set commission level, then nothing
- FireflyNo monthly duesWrites on Firefly's code and keeps 10%. Moving its carrier business costs 30% of a year's commission
- IronpeakNo duesNo entry fee or dues, profit sharing from $100,000 in premium
- FirstChoice$500 a month, per PIA associationsFlat monthly fee, your own appointments and, it says, no noncompete
- ISG UnitedFrom $299 a monthFlat monthly tiers, no commission split and, it says, no noncompete
See every option in insurance agency clusters and networks.
Frequently asked questions
How much does Agents Alliance Services cost?
There is no membership fee. It keeps a share of commission, and its website says you can keep up to 90%.
Do I own my book with Agents Alliance Services?
It says you own your name, logo and book. It also says you can leave with the book and pay no buyout, but the agreement is not public.
Does Agents Alliance Services take startups?
Yes. It takes agencies starting from scratch and captive agents going independent.
What is Select Access?
A way to add its commercial markets without full membership while keeping your own appointments.
How we researched this review. We based this review on the terms and product pages published by Agents Alliance Services, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan Agents Alliance Services quit selling or a contract term that reads different now, let us know and send the link to the page where Agents Alliance Services has it. Somebody here pulls up that page and checks it before we change anything on ours.