LAD Financial is building brokerage operations and software intended to support independent insurance professionals. The work combines human review with structured records for product information, cases, and commission reconciliation.
Operating principles
Verify before representing
Carrier relationships, producer appointments, product availability, rates, and compensation can change. Confirm the current terms and availability for your proposed case with our team and the carrier before proceeding.
Preserve the source of truth
Platform records can organize work, but they do not replace carrier contracts, approved product materials, application records, statements, or decisions. When the records disagree, the discrepancy should be resolved before relying on the information.
Keep authorization explicit
Access to brokerage tools or records should follow the user’s role and a confirmed business need. Client and producer information should be handled only through approved channels and for the stated purpose.
Be precise about what is known
Ask which information has been confirmed with the carrier and which steps still need review. Current carrier materials, appointment decisions, and case records should support the next action.
Working with LAD
LAD reviews prospective relationships individually. The relevant licenses, states, appointments, products, provider processes, and operating responsibilities must be confirmed before business begins.
Submit a broker inquiry · Read the operating overview · Review MYGA rate availability
For insurance professionals.