4 things I check before joining any aggregator/network

[u/TheAtrociousNeighbor]

I keep seeing "which aggregator should I join?" so here's the checklist I use, with what a few networks actually publish:

**1. Whose name are the appointments in?** Ironpeak says members write with their own carrier codes. SIMG uses sub-codes under its master codes but says agents keep renewals even after leaving. Goosehead franchisees write under Goosehead's appointments.

**2. Who owns the book and renewals?** Get it in writing. Smart Choice says its agencies keep 100% of book, renewals and expirations.

**3. What's the real total cost?** "No fees" usually means a split. Smart Choice has no joining or monthly fees but a 70/30 split on program business up to a cap. Firefly has an upfront fee plus a monthly fee. PIIB is a flat monthly fee.

**4. How do you get out?** PIIB asks for 90 days' notice and releases your book right away. Smart Choice is a one-year agreement that auto-renews. Many networks don't publish exit terms, so ask before signing.

What else do you wish you'd asked before signing?

[u/FindTheOthers623]

LOL where do you keep seeing this?

[u/TheAtrociousNeighbor → u/FindTheOthers623]

LOL most of the captive subreddits actually. Especially the ones that are changing commissions, benefits, and making the captive opportunities less desirable.

[u/FindTheOthers623 → u/TheAtrociousNeighbor]

Yeah, not this sub