Several years ago, we embarked on a journey to enable a win/win/win business model in dealing with the biggest long-term issues facing the Insurance Industry

The positive responses we have received from both our member agencies and our network carriers have convinced us we are on the right path.  There will always challenges, but Secured Advantage is well positioned to meet these challenges with experience, sound principals and innovative solutions. 

We are committed to providing the tools and agency enhancements necessary to enhance the short- and long-term success of our independent agencies, as well as our carrier partners.

If you’re interested in learning more, feel free to read about our vision, learn about the specifics of why becoming a Secured Advantage member will enhance your agency, and have your questions answered with our comprehensive FAQ.

Or, if you're ready to get started, get in contact with us, or download a new member application below.

Secured Advantage was formed to address the concerns of a fragmented segment of the Independent Agents Distribution Channel


We've crafted solutions that address the concerns of both our Network Carriers and Independent Agent for the future while understanding the inherently divergent interests of each group. 

We strive to add value and revenue to our Member Agencies, as well as our Network Carriers, through innovative solutions and best practices gained from 30+ years of experience while preserving the entrepreneurial sprit of the independent insurance agent. 

We will work collaboratively to assure results are maximized, emphasizing the long term success of all stakeholders.  Our foundational business model is based upon trust, respect, and integrity as we partner to help ensure everyone's success.


Q: The contingency opportunity for Member Agencies is significant – how will this be validated and protected?

A:  Secured Advantage will share total results along with an individual member's participation percentages.  Secured Advantage will seek to sign up agencies that have a proven track record of writing profitable business.

Q:  What benefits do I have to give up?

A:  Secured Advantage was founded by an independent agent, thus appreciating the efforts you have put into making your agency a success.  You will remain 100% autonomous! 

That said, each party has to make sacrifices to assure a winning solution for everyone. Secured Advantage negotiated a very fair trade-off from Network Carriers when they agreed to simply have Members eliminate "Benefit Levels" ( i.e. Co-Op advertising, trips ) as the only trade-off to higher commissions and increased profit sharing.

Q:  If I have multiple carriers in the Network, must I align all carriers with SA?

A:  No; we recognize there may be reasons that SA is a fit in some situations, but not in others.

Q: Why is a First Right of Refusal required?

A: Every network carrier wants to know that their book within your agency will continue with the next owners of your agency. SA will work with you to find the right fit for the best perpetuation of your agency.

Q: Is SA required to be the successor?

A: The First Right that SA uses gives preference to all of your family members and longtime employees, as well as other member agencies you might prefer to perpetuate your agency. SA is really only "first" after all of them!

Q:  What do I have to do to be contingency eligible?

A:  Nothing changes from your current situation; if your loss ratio is under carrier allowable you are eligible without a minimum production requirement. SA will also pay contingency on In-Network books that individually would not have enough volume to qualify, but would otherwise be eligible.

Q:  Does Secured Advantage earn a part of the contingency prior to applying the Member's proportionate percentage?

A:  It depends on Secured Advantage's overall profitability.  SA's profit sharing algorithm will attempt to make everyone "whole" based upon their individual performance prior to allocating any additional profit sharing dollars. 

Once everyone is “made whole”,  SA will get 20% of the remaining profit sharing dollars prior to allocating the remaining dollars based upon size and loss ratio. 

In most scenarios, a Member Agency will receive more than if they were not affiliated with Secured Advantage, but there are scenarios where that will not be the case.

Q:   What happens if SA is no longer the best fit for me?

A:  As we all know, sometimes things don't work out as planned.  There is an "Exit Fee" when an Agent terminates their contract, which is equal to 3x the annual fee. 

However, should you validate for the preceding three years that your total compensation would have been greater outside the network, we will waive the Exit Fee.  We're here to ensure this relationship is valuable to all parties involved.


Secured Advantage is a partnership of independent agencies that allows each member to enjoy the benefits of a large operation while retaining their own identity. 


 We are very selective in choosing with whom we will partner.  Our business is built on trust, respect, and integrity making it important for all involved that the Independent Agents we add to our membership match our profile.

Advantages of being a Secured Advantage member include:

Maximized Commissions:  SA will work to get you appointed with our Network Carriers of your choice. You will receive commission levels commensurate with SA's total book of business with 100% of it passed on to you.

Enhanced Profit Sharing:  You will receive 100% of your proportionate share with no minimum premium requirements.  If your loss ratio is within the company allowable, you will also be eligible to receive a pro-rated share of the Profit Sharing Bonus pool. 

Perpetuation Planning: If perpetuation is on your mind, or your carriers, then we have a solution that will put you, the carrier and your family at ease.  Giving SA the first right of refusal option, should you decide to sell, provides a built in buyer that is familiar with your operation and aligned with your values and carriers.  This first right of refusal has no time table; it's your call when and how you want to sell.

Total Autonomy:   As a member of Secured Advantage, you'll continue to be, and operate, independently.  We'll be here when you need us, but we're a no-news-is-good-news group.  As long as you remain profitable and our Network Carriers are happy, we're happy.

Another Set of Eyes: Speaking of being there when you need us, Secured Advantage makes a wealth of invaluable resources available to our members.  Whatever questions you have or situations you face, our group has probably seen it and can offer insights if you so desire.

Interested in learning more or meeting with a representative?

Email your filled out application to, or call us at (614) 456-7623.