Hard Market Status and Solutions 2025

September 25, 2025

NOTE:  This Page will be Updated Continuously through 2025.

Current Status and Solutions for Personal Lines 

THE PROBLEM: Over the last 34 months or so, Personal Lines business has taken a hit with the current Hard Market; premiums are increasing more frequently, new business has been restricted with most carriers and require combos, limit markets for monoline business, and new appointments have ground to a halt. Carriers have had to slow growth to control the increasing cost of claims due to spiraling inflation and supply chain issues while they struggle to get more rate.  Personal Lines Restrictions may last into the 1st Quarter of 2025–thus greatly slowing personal lines revenue growth.  Below are some suggestions that may help to immediately increase agency revenue while the Hard Market Lingers on into 2025.

HARD MARKET UPDATE:  Yes–Most of the Preferred and Standard PL Carriers are reducing UW restrictions and increasing the number of Quotes Delivered.  AS of September 1, most carriers have continued to reduce UW restrictions and increasing Quotes Delivered–some have moved from 5-10% returned to over 60% or more.  

SSPL is now getting quotes back on Homes and Auto–although still limited, signs of more availability have been seen during the 3rd Quarter and on trend to continue during the 4th Quarter 2025.   Progressive Auto is now available in SSPL and as an Appointment.  GEICO is preparing Appointments for many agents in Virignia.  Contact Roger or Daniel.

Also many carriers are now open for Appointments–although somewhat limited.  

Below is the current Carrier Appointment and Writing Status for the Smart Choice Programs.  We will continuously update this info as the Personal Lines market is changing frequently. 

2025 Agents Program Personal Lines Hard Market Summary  

• CARRIER STATUS:  GENERAL OVERVIEW
  •  Standard/Preferred PL Carriers have begun to open NB–many are opening up the 3rd and 4th Quarter 2025.
  • Carriers are using Raters to filter NB–most are allowing only Combos with high insurance scores and no issues–Error Returns with NO Quote when Rejected.
  • Some Carriers have halted quoting in their systems and only use raters for access; e.g.  Elephant, Clearcover.   Expect more carriers to begin using this method.
  • Currently still Difficult to write Standard/Preferred  Monoline NB–most carriers require Combos.
  • The Most Successful Quotes now require Combos, prior 100/300 minimums, no lapses in 12 months, and clean.
• CARRIER STATUS AGENTS PROGRAM:  APPOINTMENTS and New Business   Contact Daniel Brown for Appointment.
  
  • NEW:   Nationwide is writing and will start Appointing in 4th Quater.   Contact Roger or Daniel
  • NEW:   National General Custom 360  Now Available!  Contact Daniel Brown for Appt.
  • NEW:  Steadily Insurance  (Agents Program) Specializes in Landlord and Rental property insurance. Learn More  Get Appointed  Monoline Dwelling Fire (DP1 and DP3). Production is counted toward the CAP!!  Appointments are available to approved Agents.  Get Appointed  
  • NEW:   GEICO  PL appointments will be in October 2025.  
  • NEW:  OBIE Insurance  specializes in Landlord and Rental property insurance. They have some of the best info on Landlord Policies.  Learn More    Get Appointed 
  • NEW  AAA   Standard/Preferred PL  Auto & HO Carrier — Available for agencies further than 5 miles from a AAA Club Office and West of Interstate 95   Appointing and writing NB!  Contact Daniel Brown for Appointment.
  • Augusta Mutual   Mono Line Standard HO with Limited Capacity, but still Appointing
  • Elephant   Standard Mono Line Auto.   A must have in this challenging market.  Appointing–REQUIRES EZLYNX TO QUOTE & BIND
  • Allstate is now National General Custom 360 and is open for Appointments.
  • Branch  Halted New Appointments and NB
  • Clearcover  Halted New Appointments
  • Donegal  Halted New PL Appointments and NB–Open for CL appointments.
  • Grange  Halted New Appointments and NB
  • Kemper NON RENEWING all Policies starting October 31, 2023.  MUST BE MOVED.  
  • Lemonade  Halted New Appointments and NB
  • MainStreet  As of September 2024 NO LONGER OFFERS PERSONAL LINES.   New Appointments for CL ONLY.   They are open for Experienced Startups and OFFER FULL White Glove Service!!!
  • Nationwide Insurance has continued to open for New Appointments for Qualified Agents and has started to write NB without heavy UW processes.  UPDATE:  As of May 1, 2025, wide open for writing and now offering  appointments. 
    
  • Safeco  is now open for limited Appointments and NB is Restricted to Super Preferred Combos. UPDATE:  As of May 1, now offering limited appointments for BOOK ROLLS.  HO and Auto now open more in SSPL and direct.
  • Travelers  As of May 1, Open for PL and CL open for appointments and continue to write.  
    
• CARRIER STATUS NON STANDARD PL PROGRAMS
  • Most Non Standard PL Auto remain open; e.g., Nat Gen, Trexis, Gainsco, Bristol West, and Dairyland.
  • Some Non Standard PL Carriers have opened for new appointments and more may follow soon; e.g.,  National General  Open for Appointments  3rd Quarter 2025!!
  • Non Standard Homeowner Carriers are currently still open; e.g., Aegis, American Modern & Foremost.  We recommend Burns & Wilcox, RPS, and CRC and VPIA for additional Non Standard Homeowner markets.

2025 Smart Start Personal Lines (SSPL) Hard Market Summary  

• CARRIER STATUS:   Standard/Preferred PL Carriers have been reducing UW Restrictions. 
  • NEW:  Progressive Auto available in SSPL as of April 2.  
  • Carriers are Ezlynx Rater to filter NB–most are allowing only Combos with high insurance scores and no issues–Error Returns with NO Quote when Rejected.
  • Successful Auto Quotes  => 100/300 min, no lapses in 12 months, Prior => 50/100 and clean.
  • CARRIERS WHO HAVE HALTED OR RESTRICTED NEW BUSINESS IN SSPL
    
    • Grange  As of Jan 2024 No Longer Available in SSPL.  Policies Must be Move before Renewal.
    • Lemonade  Halted New Appointments and NB–UPDATE May 1, 2025  Limited NB Flowing.
    • MainStreet  As of September 2024, NO LONGER OFFERS PERSONAL LINES and No Longer Available in SSCL  New Appointments for CL ONLY.
    • Nationwide Insurance Halted New Appointments and NB via Procedures and Process.  
    • Safeco  Halted New Appointments and NB is Restricted to Super Preferred Combos
    • Travelers  As of October 2024 Not Available in SSPL;
    • NEW CARRIERS IN SSPL 
    • KLEECO      High Value Clients–Auto-HO-UM-+    Learn More    Call Bob Klee for Appointment  346-499-5535  email:  bob@kleecoinsurance.com 
    • ePremium   Renters Insurance    Learn More    
    • Openly  Available in SSPL August 2024.
    • ClearCover Available in SSPL as of March 2024.   Learn More
• CARRIER STATUS: Non Standard SSPL Carriers are currently open for NB
  • Most Non Standard SSPL Auto remain open; e.g., Trexis, Gainsco, Bristol West, and Dairyland and National General.  NEW PROGRESSIVE

2025 EXPRESS MARKET NEW APPOINTMENTS 

Smart Choice Agents Program Virginia EXPRESS MARKET Carrier Partners:  Below are our current Virginia EXPRESS MARKET Insurance Carrier Partners that provide a broad segment of diverse Commercial and Personal Lines coverages from Admitted Standard Markets to Non Admitted E&S.  The Express Market carriers pay 100% commissions to Agents with no split to Smart Choice,  most do not require any DWP commitment, and the appointment process is quick.  TO learn more:   Download Smart Choice EXPRESS MARKETS INFO.    SEE ALL EXPRESS MARKET PARTNERS

IMPORTANT E&S TRAINING: READ BEFORE BINDING COVERAGE with an EXPRESS MARKET CARRIERS! 

• NEW  Annex Risk is Available Now!  NEW Express Markets Appointment – E&S Coastal Homeowners HO3 form   Learn More  
  
  
• NEW Grayson Carroll Wythe   Mono Standard HO Market.  Also writes small farms and has a Package Policy for Small Churches.  Limited Capacity, but Appointing West of I95.

• NEW  GBLI is Available Now!  NEW Express Markets Appointment – Small to Middle Market Insuretech covering personal and commercial vacant properties, events, and collectibles  Global Indemnity will give Smart Choice agents access to its Special Event, Vacant Express, & Collectibles products beginning May 21, 2024.   Learn More     Get Appointed  

• ISC  formerly SIS Brokerage—(NEW EXPRESS)  General Liability, Builders Risks, Inland Marine & Workers Comp  NEW HO E&S Preferred Product   LEARN MORE  GET APPOINTED  
  
• NEW CRC STARWINDS  COASTAL PROPERTY    NEW HO 6 PROGRAM AND A LA CARTE Homeowner Wrap  A rated carrier-Lloyds of London,  TIV Available up to $500,000, Occupants may be owners, tenants or short-term rentals (2 night minimum), Trusts, LLCs and Condominium Associations available as additional insureds.  YouTube quote demo:  Short quoting demonstration – YouTube (< 6 min)    Learn More   Get Appointed    Call Daniel Brown for Appointment Questions
  
  
  • New! HO6 Program
    • A rated carrier-Lloyds of London
    • TIV Available up to $500,000
    • Occupants may be owners, tenants or short-term rentals (2 night minimum)
    • Trusts, LLCs and Condominium Associations available as additional insureds
    • Online quick quote technology
    • ISO forms
    • Available in FL, GA, AL, TN, NC, SC, TX and CA. VA to follow 4-6 likely weeks
    • Direct Bill-no payment fees!
  • Specialty A La Carte/Homeowner Wrap
    • A La Carte style supplemental homeowner coverages with 20+ options:
    • Personal liability/excess personal liability with options for Trust/LLC/Corp owned exposures
    • Stand-alone Personal Article Floater
    • Water back-up/Sump Discharge
    • Fungi, Mold, Dry Rot or Bacteria
    • Home Business Coverage
    • Loss assessment coverage
    • Limited Water Damage
    • Vacant land, Dock Liability, RV Pad liability
    • Animal liability
    • Online quote/bind
    • A rated carrier-Lloyds of London
    • Available in FL, GA, AL, TN, VA, NC, SC, TX and CA
    • Direct bill-no payment fees!

• • NBIC   Narragansett Bay Insurance (EXPRESS: GREAT Coastal Property Coverage)     LEARN MORE   Get Appointed  NOTE: Appointments ON HOLD until maybe 4th Q 2024.

    Orchid Coastal Property   Learn More   Get Appointed   Training  Please Notify Roger Gill or Daniel Brown after completing appointment process.   Appointments currently on HOLD–maybe 4th Q.

  • Aegis   (EXPRESS   Mobile and Manufactured Homes–pays agents directly)  Learn More   Get Appointed 

  • American Modern (EXPRESS   Mobile, Manufactured, Dwelling, Condo, Motorcycle, ATV, Boat, Classic Cars & more!  Pays agents directly)  CURRENTLY APPOINTMENT ON HOLD 02/17/2024   Appointment LINK   Click HERE for American Modern Appt. Link  Webinar training schedule   Click HERE for webinar registration    Learn More:  American Modern Home Products   About American Modern – Learn More  American Modern All Products 

  • Burns & Wilcox Brokerage  (EXPRESS  Broad Risk Brokerage–E&S and Standard Markets–pays agents directly)  Burns & Wilcox Support Team Contact Info  Get Appointed    CONTACT Deborah Coleman, Associate Managing Director:    T: 410.891.4185 | DAColeman@burns-wilcox.com  Burns & Wilcox Client Services INFO — Coastal and Non Standard Property.

  • RPS  (EXPRESS  Broad Risk Brokerage–E&S and Standard Markets–COASTAL & NON STANDARD PROPERTY–pays agents directly)  Get Appointed with Online Registration  

    1. For Support with All Markets Except Transportation Contact:  Renee Wheeler  Direct: 443 210 3420 |  Email:  Renee_Wheeler@rpsins.com  |  RPSins.com

WAYS to ADD REVENUE NOW 

Grow Revenue with Life and Business Insurance

Although agencies have a number of ways to increase revenue, perhaps two of the best ways are to sell more LIFE and BUSINESS INSURANCE.  We have added extra Support in these areas to assist agencies to either start or to increase their sales in these two areas.

THE PROBLEM: Personal Lines business has taken a hit with the current Hard Market; premiums are increasing more frequently, new business has been restricted with most carriers and require combos, limit markets for monoline business, and new appointments have ground to a halt. Carriers have had to slow growth to control the increasing cost of claims due to spiraling inflation and supply chain issues while they struggle to get more rate.  Personal Lines Restrictions may last into 2024–thus greatly slowing personal lines revenue growth.  Below are some suggestions that may help to immediately increase agency revenue while the Hard Market Lingers on into 2024.

COMMERCIAL LINES

Although the HARD MARKET has all but shut down the Personal Lines Business, Commercial Insurance works differently, as the primary coverages are quite different. Thus, Commercial Carriers are OPEN FOR BUSINESS! Also, the average commission on a BOP is 20% not 12%. So, to increase agency revenue, start selling commercial insurance. Smart Choice makes it easy!

Below are ways to utilize the SSCL program, our Express Market Commercial Carriers, Direct Subcode Commercial Carriers in our Agents Program, and our Express Market Commercial Brokers for those hard to place risks.

SMART START COMMERCIAL LINES  (SSCL)

HOW TO INCREASE BUSINESS INSURANCE SALES with SSCL

Utilize The Smart Start Commercial Lines Program.  The Smart Start Commercial Lines Program (SSCL) makes selling business insurance easy and builds relationships with nationally branded, quality carriers and a path to a direct sub-code. Also, the carriers quote, bind, and service the business for agents–with NO PREMIUM PRODUCTION COMMITMENTS!  SSCL Submission Guide

If you are not as experienced with selling Business Insurance, SSCL is a great place to build on your commercial skill set and commercial book of business.  Our SSCL carriers quote, bind, and service your polices–agents may also service their policies.

Need Commercial Insurance Education & Training? We can help! A good place to start is with CE Authority.

SSCL PROGRAM SUMMARY

The Smart Start Commercial Lines Program allows agents instant access to 10 top-rated commercial lines carriers without needing an appointment and with no premium commitments. SSCL has a 70/30 commission split with Smart Choice (Agent gets 70%) and provides a pathway to direct appointments. Features include:

• Instant Access to 8 Top-Rated Carriers
• No Appointment Needed with Carriers
• No premium volume requirements
• Receive competitive commissions (most companies pay 15% on new business)
• Dedicated underwriter to assist and bind coverage
• Uses an Online Form on the Smart Choice Agents Business Center Portal
• Pathway to Smart Choice Sub-Code Direct Appointments
• SSCL Submission Guide

SMART START CL VIRGINIA CARRIERS:

AmTrust
Berkshire Hathaway Homestate
Chubb
CNA
CoverWhale  (Trucking Only)
Dovetail – Multiple Carrier Platform
Fairmatic  (Trucking Only)
Guard
Hanover
Liberty Mutual
Nationwide  (Appointments on HOLD Since August 25, 2023)
Progressive  (Trucking Only)
Tapco
The Hartford
Travelers

SSCL SPECIALTY LINES BROKERAGE PROGRAM

This SSCL Specialty Brokerage program allows agents instant access to specialty niche programs managed by Joey Duggins in our Smart Start Commercial Department. No appointment needed and No premium commitment. Has a 70/30 commission split with Smart Choice (Agent gets 70%).

Joey Duggins, Smart Start Commercial Associate

jdugginis@smartchoiceagents.com   (888) 264-3388 ext 3085 

NEW Transportation and Trucking.   Cover Whale and Fairmatic Transportation and Trucking are now available through Smart Start Commercial Specialty Brokerage in select states! SSCL has a team of Trucking Underwriters to get trucking risks up and running.

Since April 1, 2023, Smart Choice has partnered with Fairmatic; a company that focuses on transportation and trucking, specifically Non-Emergency Medical Transport, Cannabis Delivery, Amazon Last Mile accounts and Artisan Contractor Fleets. All industry segments are 5 vehicle fleet and larger. Fairmatic has adjusted their appetite specifically for Smart Choice (they normally want 10 vehicles). The Fairmatic addition continues to expand our SSCL Trucking division. This business will be written as Brokerage through our Trucking Team out of the Home Office and will transact similar to a Middle Market account. Contact trucking@smartchoiceagents.com for more info. Request A Quote via SSCL Portal.

NEW AmTrust Non Profit & More AmTrust offers coverage tailored to non-profit organizations of varying types and sizes including Day Care, Private Schools, Adult Day Care, Churches, Food Banks, and more.

NEW K2 Specialty Auto Dealership Program is a Non-Admitted product in Virginia and focuses on Auto Dealers–both franchise and small used car lots. K2 is not available as a subcode appointment at this time. Full submission packets that include an application and loss runs may be sent to Joey Duggins for review and submission.

NEW: Middle Market Available with State Auto and other Carriers via SSCL. Only For Premiums over $50K, send the following to Roger Gill or Daniel Brown:

• Copy of Current Policy or Current Carrier and Target Premium
• Full Completed ACORD Apps
• 3-5 Years of Loss Runs
• Needs to be over $50K in premium
• Needs to be 60 days out or further

NEW:  Write Farm in Smart Start Specialty! Below are the Farm appetites & Info for Liberty and Nationwide.

• Liberty Mutual eCliq  Available for SSCL
• Liberty Mutual Farm Appetite for SSCL
• Nationwide Farm Application for Smart Start Commercial
• Nationwide Farm Appetite for Smart Start Commercial

Chubb Dentistry BOP Insurance for General Dentistry, Oral Surgeons, Orthodontists and Endodontists  Get Started

GuideOne Commercial Package Policy for Churches. Learn More   Get Started

Contact Joey Duggins for Support with SSCL Specialty 

Joey Duggins, Smart Start Commercial Associate

jdugginis@smartchoiceagents.com (888) 264-3388 ext 3085 

TRANSPORTATION & TRUCKING INSURANCE 

Visit our New Transportation Insurance Website Page!

NOW AVAILABLE IN THE  SSCL Brokerage PROGRAM 

The Smart Start CL Trucking Team launched the SSCL Transportation and Trucking Insurance Program in April 2023.  Cover Whale, Progressive and  Fairmatic Transportation and Trucking are now available through Smart Start Commercial Specialty Brokerage.  SSCL has a team of Trucking Underwriters to get trucking risks up and running.   LEARN MORE about writing Transportation Risk with SSCL.

As of April 1, 2023, Smart Choice has partnered with Fairmatic; a company that focuses on transportation and trucking, specifically Non-Emergency Medical Transport, Cannabis Delivery, Amazon Last Mile accounts and Artisan Contractor Fleets.  All industry segments are 5 vehicle fleet and larger. Fairmatic has adjusted their appetite specifically for Smart Choice (they normally want 10 vehicles).  The Fairmatic addition continues to expand our SSCL Trucking division. This business will be written as Brokerage through our Trucking Team out of the Home Office and will transact similar to a Middle Market account.  Contact trucking@smartchoiceagents.com for more info.  Request A Quote via SSCL Portal  

*************************

Cover Whale is also available in the Smart Agent Program as a Sub-Code Direct Appointment for Agents that have 3-5 years of experience writing Trucking Risks and have a minimum of $500,000 of Trucking Insurance Premium.  Production is counted toward the CAP!!

Learn More  Quote Guide  Welcome Pak   Contact Daniel Brown For Appointment.  

They have multiple programs to support a wide range of trucking operations with in-house binding authority.

✓ Fast Same-Day Quotes

Coverages Available:

• Auto Liability (Select Programs Only)
• Auto Physical Damage
• Motor Truck Cargo

✓ Domestic US Markets & Lloyd’s Paper Available

Visit our New Transportation Insurance Website Page!

SMART CHOCIE AGENTS SUB-CODE PROGRAM SUMMARY

The Smart Choice Agents Program (Sub-Code Direct Appointments) allows agents to obtain appointments with some of the top-rated Personal and Commercial Lines carriers in the industry, with limited premium commitments through sub-codes with Smart Choice. Mostly Top Tier Commissions are split 70/30 with Smart Choice (Agent gets 70%) up to an annual Commission CAP, then agent receives 100% of commissions over the CAP annually. Sub-Code Direct Appointments are the pathway to the primary agency goal of Leadership Agency Status with enhanced earnings and benefits. Although the carriers make the appointment decision, Smart Choice Territory Managers and State Directors work closely with carriers and assist agencies in the appointment process. Smart Choice Agents Program Carriers Features include:

• Access Carriers Directly
• Low Minimum Premium Commitments
• Top-Tier Base and Contingency Bonuses for Many Carriers
• Potential to Earn Top Tier Commission Bonuses & Contingency Sharing
• Only Sub-Code Appointments Count Towards the CA
• Book Rolls with Top Tier Bonuses
• Aggregation Opportunities to Enhance Total Commissions
• Pathway to Leadership Agency with Enhanced Earnings & Benefits
• Travelers, Nationwide, Encompass, Guard & Kelly Klee available in DC
• Below are a few commercial carriers that are offering appointments and provide great opportunities for Smart Choice Agents:

Agent Program Commercial Carriers –  Open for Appointment

• Berkshire Hathaway Homestate
• CNA   
• GBLI
• Hanover
• MMG
• Liberty Mutual
• Nationwide  (Appointments on HOLD August 25, 2023)
• The Hartford
• Travelers
  
          Contact Roger or Daniel for Appointment Information.

EXPRESS MARKETS PROGRAM SUMMARY

The Express Markets Program allows agents nearly instant access to Top-Rated Carriers & Brokers that provide a broad segment of diverse Commercial and Personal Lines coverages from Admitted Standard Markets to Non Admitted E&S via a direct appointment. The Express Market carriers pay 100% commissions to Agents with no split to Smart Choice; most do not require any premium commitment, and the appointment process is quick. Click to Learn more about the Smart Choice Express Markets.

EXPRESS MARKET FEATURES INCLUDE:

• Nearly Instant Access
• 100% commission paid directly to agent
• Access to Personal, Commercial, Excess/Surplus, & Specialty Markets
• Directly appointed with the carriers
• No or very limited production requirements
• No fees
• See All Carriers

Below are a few Express Market commercial carriers that are offering appointments and provide great opportunities for Smart Choice Agents:

Standard Commercial Market Partners:

• Attune   Learn More  UW Guide Get Started VIDEO  Get Appointed
• ISC     Learn More  Get Appointed
• BTIS  Get Appointed
• Dovetail  Get Appointed
• Propeller Bond Program Pays 30%  Learn More & Get Appointed
• HISCOX  (EXPRESS  Commercial Lines GL & PL; 15% Commission; No Split)  Get Appointed   Quote and Bind HISCOX 

  Contact Roger or  Daniel for Appointment Information or Help.

Non Admitted / E&S Commercial Market Partners:

• Burns & Wilcox Brokerage  (EXPRESS  Broad Risk Brokerage–E&S and Standard Markets–pays agents directly)  Burns & Wilcox Support Team Contact Info   Burns & Wilcox Client Services (Quick Start with a Phone Call)  Get Appointed with a Broker Office.
• CRC   (EXPRESS  Broad Risk Brokerage–E&S and Standard Markets–pays agents directly) Learn More   Appointment INFO  CRC Programs  Get Appointed
• Pathpoint   New Express  Instant, bindable E&S quotes without appointment.  Access multiple A-rated markets in just a few minutes using our robust technology platform.  Learn More & Get Appointed
• RPS  (EXPRESS  Broad Risk Brokerage–E&S and Standard Markets–pays agents directly)   Get Appointed  
  1. For Support with All Markets Except Transportation Contact:  Renee Wheeler  Direct: 443 210 3420 |  Email:  Renee_Wheeler@rpsins.com  |  RPSins.com
  2. For Support with Transportation Markets Contact:  Ann Cassidy  Direct: 704 264 0087   |   Fax: 704 972 2317   Email:  Ann_Cassidy@rpsins.com  |  RPSins.com

LIFE & FINANCIAL

 Access top-rated life carriers through Crump Life Insurance Services, Rohrer & Associates, Back Nine, Lincoln Financial, and Kansas City Life. We also offer assistance and training from our dedicated life insurance partners.  

NEW Territory Manager Kerry Belcher will provide Life and Financial Support.  Kerry will offer flexible programs and support to assist Smart Choice Agencies to grow or to add Life and Financial Services revenue, regardless of size or stage of development.  Visit Kerry’s LinkedIn Profile  Cell: (276) 492-3975  Office:  (276) 865-5144  Email Kerry

We offer a complete service which can handle all of the paperwork and para-med scheduling for you.  Smart Choice also offers easy-to-use products through Smart Choice Quick Life powered by Crump Life Insurance Services. 

The Smart Choice Life and Financial Program allows agents instant access to a user-friendly, online rating platform that makes it easy to provide Individual and Group Benefits and Life, LTC, DI and Annuities.  Our life platforms are automated, giving you the ability to quote and complete a drop ticket or eApp online in 10 to 15 minutes, and DTC widgets and marketing abilities at no cost.

We also offer hands on assistance and training from our dedicated Life Insurance representative Choco Harwell–CALL  (336) 217-4650 x 3013   Watch the Quick Life Video Demo  Download the Quick Life Info Sheet.  Smart Choice Life & Financial Features Include:   

• NEW:  Smartphone Life Insurance APP Available Now!  Clients Can Quote & Bind from their Smartphone in less than 10 minutes!  Learn More   Get APP & INFO
  • Check Out The New TERM LIFE Phone APP 
• NEW:   Ethos Life Insurance Platform Now Available via Rohrer & Associates.  ETHOS is here and Exclusively for  Smart Choice Agencies. According to Matt Roher, “This will create the fastest growing life insurance revenue source for all of Smart Choice.” “A policy for everyone — literally. Never lose a client again with the industry’s broadest underwriting guidelines and 95% issue rates.”  Matt Rohrer “Ethos delivers the best insurance products for agencies and their clients, including policies up to $2M, coverage for anyone from 18-85 years old, and a world-class customer support team.”  Matt Rohrer  Smart Choice Agent Ethos Commissions start at the Rohrer 120 level.  Questions?  Contact Matt Rohrer, President of Rohrer & Associates, at (763) 273-5180 or mattr@rbrokers.com.
  

  Get Appointed with Rohrer

  Michelle Perron, Eastern Regional Director
  michellep@rbrokers.com  |  763-273-5174 | www.rbrokers.com 

  Matt Rohrer, President | mattr@rbrokers.com  |  763-424-3521 ext. 203 | Mobile: 763-242-4409  

• NEW:  Rohrer & Associates available for Life, Health, Financial Products and Services:  Get Appointed & INFO  Learn More about Rohrer & Associates Resources, Products, and Extraordinary Services
• Appointments Available with Many Carriers
• Smart Choice Quick Life by InsureNOW Direct — Three Easy Options — Over 40 Carriers
• Agent Link–Quick Quote & Access to about 50 Carriers
• Smart Start Life — Our Life Specialist will write Life for your clients!
• Other Resources for Hard-to-Place Life Risks
• Pathway to Higher Retention & More Agency Revenue
• CALL Choco Harwell   (336) 217-4650 x 3013

Smart Start Life Program

If you are life-licensed, busy selling P&C, and would like to have an experienced life specialist handle your clients’ life insurance needs, this program is for you!    The system is live so go ahead and give it a try!  Log into your Smart Choice Business Center and Click on Smart Start Life.  It takes only a few minutes to provide the quote referral.

How Does Smart Start Life  Work?

Kerry Belcher, Territory Manager and Director of Life & Financial 

Our Virginia Smart Choice Team is please to announce that as of March 1, 2023, Kerry G. Belcher will be serving our VA & DC Agents as Director of Life & Financial Services. Kerry has decades of personal and commercial insurance experience, including Life and Financial Services.  In addition to his role as a Territory Manager–which includes the provision of a comprehensive Agency Development Program,  Kerry brings great opportunities for Smart Choice Virginia Agents to better serve their clients by offering a comprehensive Life and Financial Services program.  As the Independent Insurance Agency model continues to evolve, the revenue stream from Life and Financial products continues to become vital for agency success. 

Kerry will offer flexible programs and support to assist Smart Choice Agencies to grow or to add Life and Financial Services revenue, regardless of size or stage of development.  Visit Kerry’s LinkedIn Profile
Cell: (276) 492-3975  Office:  (276) 865-5144  Email Kerry

SMART CHOICE VIRGINIA SUPPORT TEAM 

(1) Over 70 years of combined Agency Management Experience–Both Captive and Independent.
(2) Provides Training and Resources to Enhance Profitable Agency Growth.
(3) Provides Online and Offline Marketing Support.
(4) Provides Assistance with Business Development — Startups to Large, Experienced Agencies.
(5) Ezlynx Comparative Rater and Agency Management System Experience–We use and know Ezlynx!
(6) We Share our Agency Processes and Technologies — Value Added Resources to Enhance Efficiency & Effectiveness.
(7) Extraordinary Agency Services and Responsiveness — We Give Our Cell Numbers to Our Agents.

What Agency Owners and Carriers say about The Smart Choice Virginia Team?   CLICK HERE

Meet the Team

We look forward to working with you.