WHY AMERICANS UNITED BENEFITS?
BUILD YOUR BUSINESS.
NOT JUST SOMEONE ELSE'S.
Step into true entrepreneurial independence with non-captive contracts, direct carrier top-tier pay, live daily mentorship, and an enterprise tech stack built to scale your independent agency.
✓ 100% Non-Captive Contracts · Direct Carrier Pay · Full Book Ownership
ENTREPRENEURIAL FREEDOM
YOUR BUSINESS. YOUR CLIENTS.
YOUR FUTURE.
Break away from captive limitations. Experience genuine ownership, full portfolio control, and the autonomy to build an enterprise on your own terms.
100% NON-CAPTIVE
You are never locked into a single product line or restricted by corporate mandates. Recommend the exact coverage that genuinely fits your client's needs.
BUILD & OWN YOUR BOOK
Your clients belong to you, not an agency. Retain full book ownership and long-term renewal equity from day one of your business journey.
CREATE YOUR SCHEDULE
No mandatory call center hours or rigid quotas. Set your own operating calendar, balance family life, and scale work hours up or down as you choose.
100% REMOTE WORK
Operate seamlessly from your home office, while traveling, or anywhere with an internet connection using our streamlined cloud platforms.
SCALE YOUR AGENCY
Expand into leadership when you are ready. Recruit, mentor, and build your own team of independent producers with full agency building support.
TOP-TIER CARRIERS
Direct access to industry-leading A-rated health, life, and supplemental carriers. Provide unmatched market options to every prospective client.
DIRECT CARRIER CONTRACTING
YOU MAKE THE SALE.
THE CARRIER PAYS YOU.
No middlemen holding your funds. No delayed internal overrides. You hold direct contracts with premier insurance carriers and get paid daily direct deposits straight into your bank account.
TRANSPARENT ARCHITECTURE
Direct Carrier Advances & Clear Compensation
When you write an application, the policy approval triggers an immediate direct commission advance from top-rated carriers straight to your account. You always maintain full visibility into your book and earnings statement.
- Direct A-rated carrier contracts in your legal business name
- Daily direct deposit advances with real-time tracking
- No agency commission skimming or hidden retention fees
PORTFOLIO SECURITY
Day-One Vesting & True Book Ownership
You are building an equity-bearing business asset. Every renewal, client relationship, and residual stream belongs strictly to you from day one, backed by written legal vesting agreements with each independent carrier.
- 100% Day-One contract vesting on all eligible policies
- Direct renewal streams deposited straight to your business entity
- Transferable, sellable book of business that stays yours
ENTREPRENEURIAL FREEDOM
YOUR BUSINESS. YOUR CLIENTS.
YOUR FUTURE.
True independence means building equity in what you create. Scale your insurance career with 100% contract ownership, diversified product verticals, and zero corporate bottlenecks.
100% NON-CAPTIVE FREEDOM
Never get trapped by restrictive non-compete agreements. You own your book from day one with total freedom to represent client best interests.
- Full client ownership & transfer rights
- No production quotas or clawbacks
- Direct vested renewals from year one
BUILD YOUR LIFETIME BOOK
Accumulate recurring lifetime renewals across Medicare Advantage, Life Insurance, and Fixed Annuities. Build real transferrable wealth.
- Multi-product policy compounding
- Direct-carrier vesting schedules
- Salable agency asset creation
CREATE YOUR SCHEDULE
Set your own business hours and client appointment calendar. Work around family priorities without asking a manager for permission.
- Complete daily calendar sovereignty
- Flexible full-time or transition pacing
- Zero mandatory call center shifts
NATIONWIDE REMOTE WORK
Operate 100% digitally from any home office or location. Conduct remote enrollment reviews and tele-health presentations across multiple states.
- Integrated e-application workflows
- Multi-state licensing leverage
- Virtual client presentation systems
TEAM BUILDING & OVERRIDES
Scale from solo producer to agency builder. Recruit, mentor, and build agency overrides with zero territory limits across the United States.
- Direct carrier hierarchy overrides
- Plug-and-play onboarding for your recruits
- No geographic boundary locks
30+ PREMIER CARRIERS
Contract directly with top national health, life, and annuity providers. Always offer the exact plan and rate that fits your client's needs.
- Full portfolio: Medicare, Life & Annuities
- Direct top-tier commission level appointments
- No single-carrier sales bias
DAILY LIVE COACHING & COMMUNITY
YOU DON'T HAVE TO FIGURE EVERYTHING OUT ALONE.
Connect with national top producers every morning for real-time objection handling, live dialing labs, and direct carrier case structuring. Build your book with a team that has your back 24/7.
MORNING DIALING LABS
Hop on live voice rooms 5 days a week. Listen to top 1% producers negotiate real objections, close live clients, and refine your pitch on the spot.
1-ON-1 CASE STRUCTURING
Stuck on complex underwriting or high-net-worth estate plans? Bring your client scenarios directly to specialized agency mentors for immediate solution design.
PROVEN SCRIPT REVISION
Market conditions shift, but our playbooks stay fresh. Learn updated script adaptations that convert cold digital leads into high-intent inbound appointments.
⚡ 100% Free Daily Access for Contracted Agents • No Franchise or Desk Fees
REAL-TIME AGENT COMMUNITY
A TEAM SHOULD ACTUALLY COMMUNICATE.
Building an independent agency should never mean working on an island. Traditional agencies leave you alone to sink or swim; we built a daily peer-to-peer ecosystem where answers come in seconds, not next week.
- Instant Underwriting Support: Ask niche client health questions right from the kitchen table and get direct carrier advice in under 60 seconds.
- Active Win Celebrations: Real-time deal notifications and ring-the-bell camaraderie that keep momentum high every single afternoon.
- Direct Leadership Access: Dedicated GroupMe channels with agency principals who actively write business alongside you.
AUB Producers Hub
142 Agents Active Right Now
Sitting with a 58yo client with controlled hypertension + asthma. Who gives day-1 coverage without a medical exam?
Go Mutual of Omaha Priority. Tier 1 rate, instant e-app approval in ~3 mins. Check the cheat sheet pinned above!
BOOM! 🔔 Just closed a family protection plan. $3,450 AP direct deposit hitting Friday! Thanks for the script tips team!
ENTERPRISE-GRADE INFRASTRUCTURE
TECHNOLOGY TO HELP YOU STAY ORGANIZED.
Trade disorganized desk clutter and lost paper leads for a high-performance automated pipeline. Our turn-key CRM tracks your prospects from first contact to direct commission payout seamlessly across desktop and mobile.
- Automated SMS & email appointment follow-ups
- Real-time policyholder pipeline & renewal tracking
- Integrated mobile dialer with instant lead distribution
David & Sarah M.
Family Protection Review
Robert K.
Retirement Annuity Intro
Elena T.
Policy Application Final
Marcus Vance
Mortgage Protection Req.
Patricia L.
Medicare Advantage Transfer
Jason Miller
IUL Quote Comparison
Zero Tech Costs
Included Free For All AUB Contracted Agents
TAKE CONTROL OF YOUR CAREER
BUILD YOUR FUTURE.
Step into true business ownership with non-captive flexibility, direct carrier compensation, and the daily support of the nation's premier benefits team.
Non-Captive Freedom • Direct Carrier Vesting • 100% Contract Ownership
Empowering independent insurance agents with premier direct-carrier contracts, proprietary CRM technology, daily live mentorship, and non-captive business ownership across the United States.
COMPLIANCE & LICENSING
Americans United Benefits is an independent insurance marketing organization. Contract availability, compensation schedules, and carrier appointments are subject to resident and non-resident state licensing, background verification, and carrier underwriting approval.
Equal Opportunity Organization. Earnings and production examples shared throughout this platform reflect individual business results and are not guaranteed. Success as an independent insurance professional depends on sales competence, market diligence, client retention, and consistent execution.
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