LAD is the brokerage general agency for licensed agents writing fixed annuities and life. 17 A-rated carriers, a modern broker platform, and direct partner support — built for brokers, not for legacy IMO economics.
National carrier breadth, competitive top-street appointments, and a modern broker platform that pulls every carrier into one workflow. No more juggling eight portals.
Three reasons a broker should consider LAD over a legacy BGA. No deck-speak.
No IMO override skim, no “house haircut,” no opaque grids. LAD pays competitive top-street commission. Full per-carrier grids visible inside the platform once you’re contracted.
Apply to see the grid →Quote, submit, track cases, see commissions — all in one login. Built this decade, not 2008. Designed so a broker switching from a 2008-era BGA stops juggling six portals on day one.
See how it works →Zeb Wade (CEO) and Justin Breen (Brokerage Director) personally support every new broker through onboarding. No ticket numbers, no offshore queues, no “your case manager is on PTO.”
Meet the team →The four-step loop you already run today. The difference is we put it inside one platform with carrier integrations doing the heavy lifting.
Compare every carrier we represent in one screen. Generate a branded PDF proposal in two clicks.
FireLight e-app, prefilled with everything we already know. Sign electronically. Done.
Real-time case status. Webhook-driven. NIGO requirements surfaced before they slow you down.
Expected commissions visible from day one. Automatic statement reconciliation. No mystery overrides.
Most BGAs hide their rate sheets behind a login. We don't. Updated weekly. Click through for the full sheet across every guarantee period.
| Carrier | Product | Min Premium | Guaranteed Yield |
|---|---|---|---|
| Knighthead Life | Staysail 5 (Simple Interest) | $100,000 | 5.63% |
| American National Insurance Co. | Palladium MYG MAX 5 | $250,000 | 5.25% |
| Knighthead Life | Staysail 5 With Liquidity (Simple Interest) | $100,000 | 5.18% |
Most brokers leaving Northwestern Mutual, NYL, or MassMutual think going independent takes 60-90 days. Through LAD it's two weeks.
Three-step form. License #, NPN, contact. Takes about 4 minutes.
Justin or Zach personally walks you through the platform and which carriers to start with based on your book.
Single set of forms, every carrier you select. State licenses verified automatically through PDB.
Most carriers come online within 5-10 business days. We track each one and ping you the moment you can write.
Quote, submit, track, paid. End-to-end through the LAD platform. Most brokers place their first case in week three.
Most brokers are contracted in under 14 days. Apply in 4 minutes.
Apply to contract →