Test Blog

Independent insurance agencies are in a unique position to fund growth using one of their most valuable assets — their book of business. But growth doesn’t always mean mergers or ownership transitions. Whether it’s expanding into new markets, hiring talent, or upgrading operations, there are flexible financing options available—if you work with a lender who truly understands the agency model.

Not everyone who starts an independent insurance agency succeeds — but with the right support and tools, your chances increase dramatically. Whether you're launching a new venture or aiming to grow your existing agency, Affordable American Insurance (AAI) offers proven resources to help you succeed. Here’s how our network empowers independent agents to build profitable, sustainable businesses.

When it comes time for independent agency owners to retire, many look back to how they first bought their book of business — often at a simple multiple of revenue—and assume the same strategy will work today. But in today’s marketplace, that approach can be financially risky. Why? Because buyers are no longer just looking at revenue. Instead, they’re zeroing in on a specific financial metric: EBITDA.

If a client has had a policy canceled for nonpayment — intentionally or otherwise — it can raise questions about how that history affects their ability to get new coverage. The short answer: while insurers may not always see the exact reason for cancellation directly, they will almost always discover it one way or another. Here's a breakdown of how cancellations for nonpayment show up and what impact they might have.