Five Layers of Income

We stand apart from our competitors because we offer several more opportunities for profit than any other network of independent insurance agents. Our five layers of profit include top tier base commissions, profit-sharing opportunities, regional bonuses, SIAA exclusive PMSF bonuses and SIAA national profitability bonuses.

Earn More

Earn more through OAA’s five layers of profit. More than any other network, OAA provides revenue opportunities. 

We provide top-tier base commissions, typically between 15 and 20 percent. Our members can choose profit sharing or fixed value-based commissions, with no required minimum premium levels. 

Regional bonuses, often with no loss ratio requirement, are negotiated locally and are based on new or total WP, ranging from 5 to 10 percent. 

Finally, SIAA provides exclusive PMSF bonuses and national profitability bonuses.

Earn Faster

SIAA’s exclusive PMSF bonuses are unique in the industry, as they often have no loss ratio requirement and are based on new or total WP, ranging from 1.5 to 3 percent. This allows you to earn faster than ever before. 

SIAA’s exclusive national profitability bonuses range from .1 to 8 percent. When you combine these features with our commission structure and regional bonuses, our independent insurance agent members see faster income growth as soon as they join. 

Every day, OAA helps independent insurance agents improve their agencies in order to see their dreams come true.

OAA’s five layers of profit provide a low-risk, well-established way for independent insurance agents to increase their income. 

Without OAA, independent insurance agents find themselves all alone in terms of income. OAA provides a supportive framework for finding new clients and providing excellent services. While doing all of this, our members have access to our income-building commissions and bonuses.

OAA offers five layers of income: (1) top -tier base commissions, typically between 15 and 20 percent; (2) commissions that are based on either a fixed value or profit-sharing agreement with no required minimum levels; (3) OAA exclusive regional bonuses, often with no loss ration requirement, negotiated locally and based on new or total WP ranging from 5 to 10 percent; (4) SIAA exclusive PMSF bonuses, often with no loss ratio requirement, based on new or total WP ranging from 1.5 to 3 percent; and (5) SIAA exclusive national profitability bonuses ranging from 0 to 8 percent. 

Questions? We have answers.

Talking about questions & answers below, but if you still have a question, you should Contact Us

Check out potential members’ most Frequently Asked Questions below, and don’t hesitate to contact us with any additional questions about OAA membership. 

What can I expect after joining OAA?

Once you join OAA, membership benefits go into effect immediately. That includes access to training, carrier connections, networking opportunities, marketing support and much more.

Of course, this also includes our unique coaching program. We are excited to offer this service, which is truly one of a kind. One-on-one and informed coaching will connect you with experienced industry coaches who will get to know you, your agency and your goals in order to create a development plan that will help you reach those goals.

What are the requirements to join OAA?

OAA membership is for both independent and captive agents wanting to grow their agencies into profitable, stable income sources.

How do I join OAA?

Start here to join OAA. Once you fill out some information about you and your agency, we will be in touch to complete your application for membership. 

What are the revenue opportunities?

OAA provides our agents with significant opportunities to see increased revenue. We offer five layers of income, as well as the ability to work with some of the nation’s largest insurance carriers. As an OAA member, you are considered by these carriers to be a valuable partner, and you immediately can begin to increase revenues through these relationships. 

Our coaching system also will help you identify revenue opportunities you may not have noticed or had access to before. We provide higher income opportunities, regional incentives and profit sharing within our network, and increased stability. Marketing tools allow you to find new clients, and we provide training and educational opportunities so that you never stop learning about ways to increase your revenues and cut your costs.  

Join OAA

We invite independently minded insurance agents to join our network today, regardless of where they are in their careers. You might be ready to start a new, growth-driven agency. Or you might be an established agency on the path to independence. We also work with experienced agents who are ready to increase their profits and grow their businesses so that they are in the prime position to sell.