You are working hard to meet the needs of your clients and build a
   successful agency. As a Smart Choice agent, you own 100% of your agency and
   you control your book of business.

   You are in business for yourself - but not by yourself! Smart Choice agents
   have direct access and aren't forced to broker business or lose it. This means
   peace of mind, control over your accounts.

   You benefit from commission sharing on a fair, attainable level, after which you
   can earn 100 percent of the commissions above the sharing cap. You never pay
   program joining fees or monthly fees. Plus, you benefit from business planning,
   training and education that can help achieve your business and personal goals.

   Through business and personal planning, and providing you with opportunities
   to enhance your agency's revenue streams with little capital outlay or demands
   on your time, Smart Choice can help you achieve the retirement you want for you
   and your family.

   You perpetuate your agency how and when you choose. Whether you want to
   bring your son or daughter into the business or sell it to another agency,
   Smart Choice will help you achieve the legacy you want.