Stay independent. Keep your book. Get paid directly by the carriers. PIV is the platform behind your business — never in front of it.
PIV-contracted agents are independent contractors — full stop. You write under your own license. You keep your own book. You stay in control of your business. We provide the contracts, the carrier access, and the operational support to let you focus on what you do best: producing.
PIV delivers the infrastructure that independent agents typically struggle to access on their own — without making you give up your independence in return.
Contracts with most major carriers across every product line. One application, dozens of appointments.
Most agents are writing within 5 business days. ACA and Life carriers may take up to 30 days, but you can start selling your preferred carriers immediately.
Qualifying products disburse commissions every Friday. Predictable cash flow for the producers who need it.
PIV provides customer service to agents on our Standard plan — your clients get supported, you keep selling.
Year 1 and Year 2 compensation reviews based on your production. Outperform and earn more.
Need a CRM? Rent ours. Already have a stack? Keep it. We never force a system on you.
Being independent means owning your business — including the parts that come with running one. PIV is transparent about where our responsibility ends and yours begins.
If you decide to move on, we ask for a 90-day notice. It's not a lock-in — it's a professional courtesy that lets us transition your clients smoothly, finalize any pending business, and part ways without disruption to the people you've insured.
No hostility. No surprises. Just a clean, professional handoff that protects your reputation, your clients, and ours.