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For Independent & Aspiring Agency Principals

Better carrier contracts.
Better profit sharing.
More earning power.
Still independent.

OAA helps independent insurance agencies earn more from the business they already write — through carrier contracts, profit-sharing structures, and compensation leverage you couldn't sign alone. Members keep their book and their codes.

Talk Through Your Carrier Opportunity See How OAA Works
180+
Member Agencies
$500M+1
Premium Written
25
Years
32
States · OK / AR / KS

A master agency of SIAA · carrier partners include

  • Travelers logo
  • Safeco logo
  • The Hartford logo
  • Liberty Mutual logo
  • National General logo
  • State Auto logo
All carriers & the economics

The first SIAA master agency west of the Mississippi6 — SIAA standing is what unlocks income layers 04 and 05, the bonuses no solo agency can reach.

The Argument

Independent agencies often get the bad end of carrier deals — because they can't bring scale.

A solo agency walks into a carrier negotiation with their own book of business and asks for a fair contract. The carrier obliges, but the deal is sized to one agency. The contract reflects that. The profit-sharing reflects that. The compensation reflects that.

OAA changes the math. Members don't lose their independence — they retain full ownership of their book and their direct carrier appointments. What they gain is leverage. Network leverage. The kind that lets an independent agency negotiate on the same footing as a national chain. That's the entire point.

The Receipts

Five layers of income. Not one.

Most independent agencies are paid on one or two of these. OAA members are paid on all five — and that's why members write more business through the network than they would alone.

  1. 01

    Top-Tier Base Commissions

    Carrier-direct base rates pulled up by network leverage you couldn't sign alone.

  2. 02

    Profit Sharing

    Member-level participation in carrier profit pools, paid quarterly or annually.

  3. 03

    Regional Bonuses

    OAA-territory growth and retention incentives layered on top of carrier comp.

  4. 04

    SIAA Exclusive PMSF Bonuses

    Performance Marketing Support Fund bonuses available only through the SIAA network.

  5. 05

    SIAA National Profitability Bonuses

    National-tier bonuses tied to network-wide carrier performance.

Technology, AI & Coaching

The stack you'd spend two years building. Running on day one.

Going independent used to mean becoming your own IT department on top of everything else. The network that has been doing this the longest is the one that already made these decisions — 180+ times.

  • A working stack on day one, not a two-year build

    Rater, management system, and quoting workflows already chosen, already wired, already running for 180+ agencies. You inherit the decisions instead of making them alone at the worst possible moment. 7

  • A straight answer on which AI actually works

    Most of what is marketed to agencies right now is a demo. OAA runs the evaluation so you get the short list that is production-ready for service, intake, and renewals — and an honest list of what is not there yet. 7

  • More policies per seat, not more seats

    Automation and workflow work aimed at one number: how much your team can service without hiring. That is the constraint that decides whether growth is profitable or just busier. 7

  • Coaching from operators, on your calendar

    Roughly 34 scheduled classes a year plus additional sessions, run by OAA and by SIAA, split by state and by line of business — and a coach who has run the play you are about to run.

Working with 8

  • AgencyIQ
  • The Intelligent Agent
Ask What We're Running

The Comparison

The same book, side by side.

Five income layers for an independent agency writing $2M in annual premium — written solo, and written through OAA. Illustrative figures3 — your number depends on your book.

Income layer Solo independent OAA member
01 Top-Tier Base Commissions Illustrative 10% solo vs. 11.5% network base commission on the same book. $200,000 $230,000
02 Profit Sharing Solo agencies rarely clear carrier volume thresholds; the network clears them structurally. $0 $20,000
03 Regional Bonuses OAA-territory growth and retention incentives, negotiated for the membership. — $8,000
04 SIAA Exclusive PMSF Bonuses Performance Marketing Support Fund — available only inside the SIAA network. — $6,000
05 SIAA National Profitability Bonuses National-tier bonuses on network-wide carrier performance. — $5,000
Annual income on the same book $200,000 $269,000 +$69,000 / yr

The real version of this table uses your premium, your carrier mix, and your state.

Get Your Number on a Call

Is This For You?

OAA is for you if…

  • You write good business and want better economics on the book you already have.
  • You're considering leaving a captive carrier and don't want to figure independence out alone.
  • You're an established owner thinking about exit value, succession, or what comes next.

And probably not the right fit if…

  • You're looking for a vendor to sell you marketing services.
  • You want someone else to own your book and your decisions.
  • You're not ready to be measured on growth and economics.

Your Path Through OAA

Start. Grow. Exit. Built for the whole arc.

The economics matter most when they're applied to where you actually are. Pick your stage to see how OAA shapes around it.

Start

Becoming Independent

Captives transitioning to ownership. Carriers, contracts, capital, a marketing motion, and a roadmap that shortens the runway.

Start Your Agency Plan
Grow

Scaling the Agency

Independents writing good business who need better contracts, retention, marketing, and operational discipline. Better upside on the book you already have.

Calculate Your Income Opportunity
Exit

Building the Sale

Owners protecting agency value — EBITDA discipline, owner-dependency reduction, succession planning, legacy. Build the value before the buyer asks.

Build Your Exit Plan

Member Story · Composite

Heartland Insurance Group

OAA Member

Situation

Former Allstate captive. 12 years at the carrier. Strong personal book, no carrier diversity, no path to ownership.

OAA Support

OAA placed her with five national carriers in the first 90 days. Provided agency-formation coaching, financing introductions, and marketing infrastructure.

Outcome

$4.1M premium written in year five. 38% retention above book average. Direct contracts at three of her top five carriers.5

“They told me what it was going to take. Then they helped me do it.”

Agency Principal · 5-year OAA member
Read More Member Stories

For Owners Planning the Exit

Build the value before the buyer asks.

EBITDA discipline. Owner-dependency reduction. Staff and process readiness. The work to make an agency worth the multiple it deserves usually has to be done years before the conversation with the buyer starts. OAA frames the exit early.

3–5×4
Typical agency multiple range
36 mo
Lead time before exit conversation
5
Layers of OAA income that drive value
Build Your Exit Plan

Take the First Conversation

Talk through your carrier opportunity.

Tell us about your agency — current carriers, premium volume, lifecycle stage — and we'll tell you what's possible through OAA. Thirty minutes. No obligation. Confidential.

Book a Call See If OAA Fits Your Agency
  1. Member-agency count and premium written are One Agents Alliance network figures, covering business placed through OAA member agencies. Years in operation date from OAA's founding in 2000. ↩
  2. Member agencies operate across Oklahoma, Arkansas, and Kansas. ↩
  3. Illustrative economics. Figures are modeled on publicly documented independent-agency compensation structures for a hypothetical $2M-premium agency — not OAA member results, and not a statement of any carrier's or the network's contract terms. Actual figures depend on your book, your carriers, and your loss experience. ↩
  4. Agency valuation multiples and pre-sale lead times vary widely with size, earnings quality, retention, carrier mix, and buyer. The 3–5× range and 36-month lead time are general industry rules of thumb offered for orientation — not an appraisal, and not a projection of any individual agency's value. ↩
  5. Composite member profile. The quote is from a published One Agents Alliance member testimonial; the agency name, figures, and narrative are a composite illustration of a typical member path rather than a single identified agency. ↩
  6. Source: One Agents Alliance published company history. ↩
  7. Technology and AI support is delivered as working sessions, workflow consulting, tool evaluation, and coaching through OAA's agency technology track — not as software OAA licenses, resells, or warrants. Which tools fit a given agency is scoped in conversation, and what is production-ready changes quickly. ↩
  8. AgencyIQ (formerly Donna.AI) and The Intelligent Agent are technology partners available to OAA members through the SIAA network. OAA does not license, resell or warrant either product; availability and terms are set by the vendor and by SIAA. ↩