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Every BGA promises the same six things.
Excellent service. Underwriting support. Case management. Illustrations. Marketing. Product knowledge. Table stakes — so here's what actually differs.
You are a number. Scale wins, intimacy loses. Portals instead of people. Queues instead of names.
At a big IMO you get a login. Here you get a team that knows your name and closes your paperwork — and sometimes your leads.
Great handshake, thin stack. A five-person shop can't own the platform your cases deserve.
You'll get the same handshake you have now — attached to a platform your current shop can't buy.
Six things that actually change your week.
Your paperwork, handled.
The Application Support Team runs telephone interviews and exam scheduling on your behalf. You sell; we do the paperwork. Case managers track every requirement; you see live application status, not a black box.
Closers in your corner.
Lines you don't write yet — LTC, DI, annuities — our in-house agents close alongside you on a 50% referral split, until you're ready to close them alone. Your client, your relationship, our support. Watch the first one, co-close the second, own the third.
Experts with names, not queues.
Direct chat access to people who've done this for decades — underwriting pre-shopping on hard cases before you ever submit, case design help, carrier selection for the case in front of you.
Twenty years pre-shopping hard cases before they're ever submitted.
Carrier selection and case strategy for the case in front of you — by name, not by queue.
Your book, working harder.
In-force book-of-business reviews that surface coverage gaps, term conversions, and underinsured clients — most agents find their first new case in the first sitting. Plus a policy-review engine that keeps your clients reviewed annually, so the book you built stays yours.
Clients flowing back to you.
Our beneficiary education webinars turn your clients' beneficiaries into your next clients — we host, we educate, we route them back to you. A structured referral system asks for the next case at every delivery. You place business; the system feeds you more.
The platform.
Multi-carrier quoting (iPipeline / FEX / Insureio), e-app with Vive, annuity e-app on Firelight — a platform most agencies can't justify owning. SureLC one-pass multi-carrier contracting. Live app-tracking and contracting visibility. An unbranded consumer quote widget for your own website. And marketing built for you: social templates, e-books, content at scale.
An AI coach that never sleeps.
Pinney Objection AI drills you on the objections that kill cases — price, procrastination, "my work coverage is enough" — and answers back the way real clients do. Rehearse before the call, not on it. And if you're building a team, it's how your junior agents grow at scale: every rep gets a sparring partner, day one, without burning a senior's calendar.
Try Pinney Objection AI →Broker partners also get access to our trailing-call library — real recorded calls from the desk, objection to close. Play them for your juniors, break them down in your own huddles, coach from what actually worked.
And every Thursday there's a live seat waiting: The Switchbacks — our weekly training series, open invite.
The bonus on top.
Partner agents can qualify for our producer bonus program: a personal year-end production summit set just above your current pace. Reach it and earn a flat cash bonus — $750 to $2,000 by summit size — with no change to your commission or your tier. The bonus is pure upside, and we'll tell you exactly how it's funded: your growth earns us carrier production bonuses, and we share them back. We say the quiet part out loud.
Every program on the mountain works for your book.
Nothing here launches as a standalone. Reviews find cases, cases capture beneficiaries, beneficiaries become clients, clients refer the next one — and the growth pays you a bonus on top. Click any program for the full route.
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What could your book do here?
Start with where you are. Switch on the routes you'd actually use.
Past roughly {{ fmtAvgCase }} a case, the retail shelf runs out. This is bespoke structuring for accredited investors and qualified purchasers — institutional pricing, created around the client and the assets, not pulled off a rate card.
A minimal-load life insurance chassis that can hold alternative assets — hedge funds, private credit, and more — with tax-efficient growth and an income-tax-free death benefit. Built for the balance sheet, not the commission.
Tax-deferred access to alternative strategies inside an annuity wrapper — the same institutional funds, without the annual drag of taxable turnover. For clients who've outgrown what a retail annuity can hold.
Our advanced-planning desk co-designs the structure with your client's tax and legal team, sources the carrier, and drives it through underwriting — the same white-glove desk, at the top of the mountain.
No pressure, no pitch deck. Three steps:
A conversation about your practice.
How you built it, where your clients come from, what your last hard case cost you. If we're not the right fit, we'll say so.
A plan built on your answers.
The two or three things we'd fix first, the agreement, and contracting — you keep your existing carrier contracts, and there are no production minimums to start.
Your first case, white-glove.
We put our whole desk behind it.
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From the agents who moved.
“We switched over to Pinney this year and have never looked back! Their product knowledge & underwriting experience has equipped our team to better serve our clients and produce faster underwriting times. After going through several other companies, I would highly recommend working with this friendly, highly professional & effective group.”
“Pinney has been an outstanding partner! Their support has been crucial to the success of our business. They have a rockstar staff that processes our backend so we can spend more time helping clients. Their CRM (Insureio) makes it easy to keep track of our business in real time. Communication and responsiveness has been superb at all levels. We highly recommend Pinney!”
Start the conversation.
Fifteen minutes about your practice. Bring a hard case if you have one — we'll show you what the desk does with it.
We got it.
A member of our team will reach out within one business day. Bring that hard case — we meant it.