Become a LAD Broker — Apply to Join Our BGA

If you’re a licensed insurance professional looking for a modern brokerage general agency, you’re in the right place. Most brokers are contracted in under 14 days. We respond to every applicant within one business day.

Who we work with

• Independent agents with active state insurance licenses (life and/or annuity lines)
• P&C agents looking to cross-sell annuities and life into existing books
• Producer groups and downline operations that need a competitive BGA contract
• Captive agents going independent (Northwestern Mutual, NYL, MassMutual, MassMutual Ascend) — we have a streamlined transition path

We’re national through LAD’s master network contract. Resident-state license required; non-resident licensing handled through SureLC for any state your clients live in.

Apply

Or email Justin Breen directly at justin@ladfinancial.com with your name, NPN, resident state, lines you write, and approximate annual production. We’ll be in touch within one business day.

What happens after you apply

1. Review — we read every application personally. Justin or Zach reaches out by phone or email within 24 hours to confirm fit and walk through the next step.
2. Contracting kickoff — we send you to SureLC to complete the contracting paperwork. State licenses verified automatically against the NIPR PDB. Most agents finish in under an hour.
3. Carrier appointments — we run appointment requests with the carriers in your state. Most appointments process in 5-15 business days. We track each one and notify you the moment it’s active.
4. You’re live in the platform — login credentials sent the moment your first appointment is active. You can quote and submit cases immediately.
5. 15-minute onboarding call — Justin or Zach personally walks you through the platform so you don’t have to figure it out alone.

Common questions

Do I need to leave my current BGAs? No. Many of our brokers run multi-BGA strategies and use LAD for the carriers we’re strongest with.

What does it cost? Nothing. The platform and contracting services are no-cost to brokers. We earn a published GA override on placed business.

Are commission rates competitive? Yes — LAD pays competitive top-street commission on every carrier we represent. Specific grids depend on the carrier and product; you’ll see exact rates inside the broker platform once you’re contracted.

Can I get help with cases? Yes. NIGO resolution, suitability questions, replacement paperwork — Justin runs case management personally with newer brokers. Email or call. No ticketing system, no offshore queue.

What if I’m new to annuities? We can walk you through your first cases. Justin runs joint case reviews with newer brokers, especially P&C agents adding life and annuity. State license required — we’re not a recruiting/training operation for unlicensed agents.

How fast is “fast”? Most brokers are placing their first case in week three. Faster if you already have your most-used carriers’ licenses ready to be re-papered.