With Smart Choice you can write business with preferred carriers immediately, own 100% of your agency and control your book of business.
You’re in business for yourself, not by yourself! Smart Choice agents have direct access to carriers and aren’t forced to broker business or lose it. Have a peace of mind and control over your accounts.
Benefit from commissions sharing to a fair and attainable level, and then earn 100% of your commissions when you reach leadership status. Also share in bonuses and contingencies earned in your state!
By providing you with opportunities to enhance your agency’s revenue stream with little capital outlay or demands on your time, Smart Choice can help you achieve the retirement you want for you and your family.
Perpetuate your agency how and when you choose. Pass it on to your children, or sell it to another agency. Smart Choice can help you leave behind the legacy you desire.


Welcome to Smart Choice®

Giving Independent Agents the Freedom to Succeed!

The Power to Succeed

Smart Choice Named to
Insurance Journal's Top 100

Top 100 Independent Insurance Agency


The Power to Succeed

Smart Choice® is a network of over 4,000 independent agents and over 80 insurance carrier partners. We provide independent insurance agents with access to top-rated markets, product training, and sales and marketing support – and we’re the only no-fee program of our kind!

Whether you’re a start-up agent, a former captive agent, or an experienced agent, Smart Choice® can give you the support and markets you deserve. We provide service from coast to coast, in over 41 states, with access to personal, commercial, life and health markets, and customized business solutions guaranteed to make you a competitive agency.

Our philosophy is simple – give back! We choose to support our industry through agent and carrier partnerships, and by creating groundbreaking programs to facilitate good business practices for consumers. Thriving communities are able to support successful businesses, so we strive to promote social responsibility and awareness through our philanthropic efforts in our own community. 

"I appreciate the opportunity we have to work with Smart Choice of Kentucky. They provided good insurance carriers to us when we really needed the help. They have also presented non-traditional opportunities to generate revenues through other product offerings. Working with Smart Choice is like having your own research and development department. They are always out there searching for markets and methods to ensure the survival of their member agencies."

- Tim Murphy
Hopkinsville, KY