In this section

  1. The ISM Opportunity

  2. What Makes Us Different

  3. How We Benefit You

  4. Agent Contracting

  5. Have Us Contact You
How We Benefit You

Our experience and appointments allow us to offer a variety of benefits to you. We can offer access to markets you may not have, the opportunity to transact business you may not currently be licensed for, and we negotiate and place coverage in areas you may not have expertise in. ISM can help you:

  1. Generate revenue through new business opportunities with new and existing clients.
  2. Enhance commission opportunities in an efficient and cost effective manner.
  3. Enhance positioning with clients by:
    1. Solving more of their problems
    2. Offering them more services
    3. Making them more aware of their exposures
  4. Increase client retention.

Our proven negotiating and problem solving skills enable us to help you deliver the best value to your clients, and we can assist on the interface to strategize a complex deal. We work respective of your organization and can be an agent on your team as an enhancement, not as a replacement. Our professional services can assist agents that are new to life & health insurance, as well as experienced agents and brokers that are not as proficient in life & health.

Key Sales Tools

From making initial contact to closing the deal, we equip you with all of the tools you need to be successful. We provide strategies to sell FREEDOMFLEX®, such as College Planning Services, Mortgage Terminator, Wealth Accumulator, and Financial Health Plan. Our material gives you the foundation necessary to be successful, including presentation scripts, brochures, initial contact scripts, charts, graphs, and software to generate illustrations.


ISM's commission hierarchy structure provides multiple commission levels and can accommodate agency-building requirements, including levels needed for managing lead programs. There is also an additional level for Marketing Organizations which can bring one million of paid annualized premium production to ISM. Our contracts for Marketing Organizations, Agency Builders, and Producers are the highest in the industry. ISM's Referral Bonus Program is one of a kind. Exclusive territories and markets are also available with qualifying production. ISM's commission structure also provides for a weekly advance system. Business that is received by Monday and processed that week is usually advanced on Thursday and paid on Friday. Organizations or individuals which have special needs may have a special commission system designed to fit their needs. Be sure and ask about our marketing fee bonus.