06/02/2026
Let’s address the LOA Agency Model (Licensed Only Agent) because there’s a lot of confusion, misinformation, and recycled talking points being passed around as fact.
If your position is that LOA is inherently bad for agents, I’d encourage you to separate the structure itself from the organizations that may have misused it.
The reality is simple:
LOA isn’t the problem. Poor leadership and bad business practices are.
Too many people point to IMOs that operated unfairly and then blame the LOA model itself. That’s like blaming a vehicle because someone drove it irresponsibly.
The issue was never the structure, it was how certain organizations chose to use it.
At Experior, our LOA model was intentionally designed to solve many of the problems agents have dealt with for years.
🏆 Centralized commission processing, no managing multiple carrier portals or tracking down payments.
🏆 No production requirements to maintain your contract level.
🏆 Reduced licensing and appointment costs that often cut into an agent’s profitability.
🏆 Legacy ownership protection, your family can continue receiving income without maintaining a license.
🏆 The ability to build a team at your level and earn overrides.
🏆 Dedicated back-office support so agents can focus on serving clients instead of fighting administrative battles.
Now let’s clear up one of the biggest misconceptions in the industry:
LOA does not determine ownership of your book of business.
Ownership is determined by contractual agreements, not by whether you're LOA or independent.
At Experior, agents own their book of business from day one. If an agent leaves, their clients and renewals go with them. That has always been our position and remains our commitment.
Anyone claiming otherwise either hasn’t reviewed the actual agreements or is choosing to ignore them.
We adopted the LOA model knowing it places more responsibility on the company, not less. We handle carrier reconciliation, administrative support, commission processing, and infrastructure so agents don’t have to.
The goal has always been straightforward:
Remove unnecessary burdens from agents and allow them to focus on what matters most, serving clients, growing their business, and creating long-term financial security.
You don’t have to prefer the LOA model. Different structures work for different people.
But let’s debate facts, not myths.
If someone believes there’s a better way to deliver these same benefits while reducing agent risk and administrative burden, I’m always open to having that conversation.
