Personal Lines

Personal Lines business is the heart of our original Smart Choice Agents Program. Our program assists agencies in getting appointed with the carriers they want to represent by managing the relationship with the carrier for you.


1) Contract with Smart Choice. No sign up fee. No monthly fee. Just a commission split on the business you write through the carrier partner you access through us.
4) The carrier will review and process the appointment paperwork.
2) Your Smart Choice Territory Manager will assist you with filling out paperwork to obtain sub-codes for the carriers you want, under our Smart Choice master-code.
5) Once the Territory Manager receives approval from the carrier, your sub-code will be issued.
3) Your Territory Manager will submit the appointment paperwork to the carrier for you.
6) Smart Choice will receive commissions from the carrier and distribute them to the agency on the 15th and 30th of each month. Commissions statements from each carrier are uploaded to a secure portal for the agency's viewing.