For captive agents
You built a book. It should be yours.
Going independent doesn't mean starting over. Alvara gives you the carrier appointments, technology, and compliance infrastructure to transition your book — on your terms.
The captive model worked — until it didn't.
You spent years building relationships. Earning renewals. Growing a book. But the carrier owns it. They set the commission. They choose what products you can sell. And if you leave, the clients you earned stay behind.
Going independent has always been the answer. But the friction was real: finding a cluster or aggregator, negotiating carrier appointments one by one, building your own compliance stack, buying your own E&O insurance, figuring out the technology.
Alvara removes every one of those obstacles. You get instant access to 40+ carriers, a modern quoting and management tool, and an 80% commission split. No cluster fees. No production minimums. No multi-year contracts.
What you're probably thinking.
“My non-compete will stop me.”
Most captive non-competes are narrower than agents think. They typically restrict soliciting the carrier's policyholders for a period after you leave — not selling insurance in general. Many agents start building an independent book alongside their captive role, focusing on net-new clients. We'll help you understand your specific agreement and plan accordingly.
“I can't afford a gap in income.”
You don't need to quit your captive role to start. Many producers begin writing independent policies on the side, build up their book, and make the full switch once the math works. There are no minimums on Alvara — write one policy or one hundred.
“I don't know how to run a business.”
You're already running a business — your captive carrier just handles the back office. Alvara handles it too: E&O insurance, carrier compliance, licensing tracking, commission processing. You focus on selling. We handle the rest.
Captive vs. Alvara
| Captive | Alvara | |
|---|---|---|
| Commission split | 5–10% | 80% |
| Book ownership | Carrier owns it | You own it |
| Carrier choice | 1 carrier | 40+ carriers |
| Tech stack | Carrier's legacy tools | AI-native quoting |
| Production minimums | Yes | None |
| Non-compete | Restrictive | No non-compete |
| E&O insurance | Carrier-provided | Included |
| Compliance | Carrier-managed | Automated |
“I spent 8 years at Allstate thinking I was building something. When I left, I realized I was building it for them. Alvara let me start fresh with real ownership — and I was writing policies within two weeks.”
Ready to own your book?
Sign up and we'll walk you through the transition — from understanding your non-compete to writing your first independent policy.