ISG United review for insurance agencies: fees, carrier access and book ownership
ISG United is a Texas agency network that charges a flat monthly fee instead of taking a cut of commission. Members get appointed with its carrier partners, and the carriers pay them directly.
Plans run $299, $499 or $749 a month. There is no joining fee. ISG United says you can cancel anytime, and it charges a flat exit fee it gives only on a sales call.
An appointment is a carrier's contract that lets an agency sell its policies.
A commission split is the share of each commission a network keeps. Profit sharing, also called contingency pay, is a yearly carrier bonus for profitable growth. Owning your book means the clients and their expirations, the renewal records for each policy, are yours.
- Best for
- Experienced agents and captive agents going independent who would rather pay a flat fee than split commission
- Entry fee
- $0
- Monthly fee
- $299, $499 or $749 by tier
- Commission share
- 0%
- Carrier access
- Appointments arranged by ISG United, paid to you directly
- Startups
- With two years of P&C experience
Our take
ISG United suits an experienced agent who writes enough that a flat fee beats a split. You keep 100% of commission, and ISG United says you can leave anytime and keep your appointments when you go.
Profit sharing only comes with Gold and Platinum. The exit fee amount and the member agreement are shared only on a sales call.
Pros
- No share of commission
- Published monthly prices
- Says you can cancel anytime
- Says no noncompete or forced sale back
- Profit sharing up to 75% on Platinum
Cons
- No profit sharing on Silver
- Exit fee amount is not published
- It also runs a retail agency
Who they take
- Startups
- ISG United looks for at least two years of P&C experience
- Captive agents
- Yes, including agents leaving franchise and captive systems
- States
- Ten states, with roots in Texas. It does not list them
- Lines
- Personal and commercial P&C, plus some life
What it costs
ISG United charges a flat monthly fee and takes no share of your commission. The tier you pick decides whether you get profit sharing and its full set of software.
| Fee | Amount | How often |
|---|---|---|
| Joining fee | $0 | Not charged |
| Silver | $299 | Monthly |
| Gold | $499 | Monthly |
| Platinum | $749 | Monthly |
| Commission kept | 0% | Not charged |
| Exit fee | A flat fee, quoted on a sales call | When you leave |
Prices as of October 2026, from isgunited.com. Gold adds profit sharing and EZLynx, Salesforce and e-signature tools. Platinum adds the highest profit share and help with multi-state operations.
How you get carrier access
ISG United lists more than 150 carrier partners, and access varies by state, county and book.
Your own appointments
ISG United says you get appointed with binding authority, carriers pay you 100% by direct deposit and you keep your appointments if you leave.
- Path to a direct appointment
- ISG United maps carriers for you on a sales call and helps with each appointment
- Carriers
- Progressive, Nationwide, Travelers, Allstate, Liberty Mutual, Chubb, The Hartford, GEICO, Texas Mutual and others
How you get paid
- Who the carrier pays
- You, by direct deposit
- Commission schedule
- 100% to you
- Profit sharing
- Gold and Platinum share carrier bonuses earned together, up to 75% on Platinum. Silver has none
Your book and leaving
ISG United says you own your book outright and keep it, your appointments and your agency if you leave. It says there is no noncompete and no forced sale back to the network.
- Who owns the expirations
- You, according to ISG United
- Carrier code after you leave
- ISG United says your appointments stay with you
- Selling your agency
- On the open market, to anyone
- Liens and transfer fees
- A flat exit fee, quoted on a sales call
- Restrictions
- No noncompete, no territory limits and no claim on business you write outside the network
Term and exit
- Agreement term
- Cancel anytime, it says
- Exit fee
- A flat fee, given on a sales call
Technology, E&O and support
Technology
- EZLynx, Salesforce and e-signature on Gold and Platinum
- Technology discounts on Silver
Help you get
- A carrier map built for your state and county
- Appointment and onboarding help
- Marketing and cross-sell materials on Gold and Platinum
- Resource library and startup guides
Who owns the network
- Owner
- Its founder and partners
- Buys member agencies
- No
- Runs its own retail agency
- Yes, a sister retail agency at the same address
ISG United alternatives
- FireflyNo monthly duesWrites on Firefly's code and keeps 10%. Moving its carrier business costs 30% of a year's commission
- Smart ChoiceNo monthly feeNo entry or monthly fee, keeps 30% until a set commission level, then nothing
- FirstChoice$500 a month, per PIA associationsFlat monthly fee, your own appointments and, it says, no noncompete
- IronpeakNo duesNo entry fee or dues, profit sharing from $100,000 in premium
- Advantage Partners NetworkNo membership feeNo membership fee. Subcodes or placement through its underwriters, and a 2-year carrier bar after you leave
See every option in insurance agency clusters and networks.
Frequently asked questions
How much does ISG United cost?
Silver is $299 a month, Gold $499 and Platinum $749. There is no joining fee and no commission split.
Do I own my book with ISG United?
ISG United says yes, and that you keep your book, appointments and agency if you leave.
Can I cancel ISG United?
ISG United says yes, anytime. A flat exit fee applies, and it gives the amount on a sales call.
Which ISG United plan includes profit sharing?
Gold and Platinum. Platinum shares up to 75% of carrier bonuses.
How we researched this review. We based this review on the pricing, terms and product pages published by ISG United, 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 ISG United quit selling or a contract term that reads different now, let us know and send the link to the page where ISG United has it. Somebody here pulls up that page and checks it before we change anything on ours.