Now Contracting Independent Producers

Build your book. Keep everything you write.

Koino Capital Group contracts independent producers with 9 top-tier carriers, an AI-powered ops stack, and zero captive obligations. Your clients. Your commission. Your business.

Apply to JoinSee how it works
9Carrier appointments
72hrTime to contract
AILead scoring + follow-up
0Captive obligations

Contracted Carrier Portfolio

TransamericaMutual of OmahaF&GEthosAmerican AmicableInstaBrainForestersSBLICornerbridge

Your current agency is costing you more than you think.

Most agents don't leave bad agencies. They stay in them for years and call it loyalty.

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Captive contracts that own your clients

When you leave, you leave with nothing. Your book stays. Your clients belong to the company. Years of relationships, gone.

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Commission caps disguised as 'structure'

Street-level contracts that your upline says are 'competitive.' They're not. The difference compounds to six figures over time.

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One product. One answer to every problem.

When your only tool is a hammer, every client looks like a nail. Limited carrier access means you fit clients to products, not the other way around.

The Koino Model

We build producers, not employees.

Independent distribution means you choose the carrier, the product, and the channel that actually fits your client — every time. We give you the infrastructure, the contracts, and the AI stack. You run the business.

Ninety days from now, you could have a fully contracted, AI-assisted production operation generating consistent weekly AP. Or you could still be capped at the same street-level contract wondering why the work doesn't match the payout.

Apply in 3 minutes
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Multi-carrier access

9 appointed carriers covering final expense, life, IUL, and annuities. Match the right product to every client.

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AI lead scoring

Every inbound lead gets a 1-10 fit score with recommended channel and send window before you dial.

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5-touch follow-up sequences

AI-drafted call/SMS/email cadences generated per lead. You review, you send. Close rate goes up.

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Real-time pipeline visibility

See every deal from submission to issue. Know exactly where your book stands at all times.

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You own your book

Zero captive language. Your clients are yours when you contract, and yours if you ever leave.

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Agency training + coaching

Script library, objection handling, carrier-specific battle cards, and direct coaching from the agency owner.

Process

From application to contracted in 72 hours.

We don't do drawn-out onboarding. You apply, we talk, you're contracted.

01

Apply

Fill out the form below. Takes 3 minutes. We review every application personally — no bots, no auto-rejections.

02

Discovery call

30-minute call with the agency owner. We'll talk about your current situation, your market, and whether we're the right fit for each other.

03

Contract & activate

Carrier appointments submitted. CRM access provisioned. AI stack activated. You start writing business.

Tech Stack

Your unfair advantage is already built.

Most agencies run on spreadsheets and gut feeling. Koino runs on a purpose-built AI stack that scores leads, drafts follow-ups, tracks deals, and surfaces coaching intelligence in real time.

RepFlow AI

Lead scoring + 5-touch sequence generation

Pipeline CRM

Full deal lifecycle from submission to issue

AI Coaching

Call analysis + objection handling guidance

This IS for you if...

  • You're licensed (or actively pursuing licensure) and serious about production
  • You want multi-carrier access so you can actually shop the market for your clients
  • You're done leaving money on the table with street-level contracts
  • You're coachable, accountable, and actually want to write business
  • You're ready to plug into a system instead of building everything from scratch

This is NOT for you if...

  • You're looking for a salaried position — this is 1099, performance-based
  • You want someone else to work your leads for you
  • You're not willing to put in the reps, especially in months 1-3
  • You need a manager holding your hand every day to stay on track
  • You're planning to half-commit and see what happens

Apply

We contract selectively.

We review every application personally. We're not trying to build an army of part-timers — we're building a tight team of serious producers.

If your application looks like a fit, you'll hear from us within 24 hours to schedule a discovery call.

Application reviewed within 24 hours
Discovery call scheduled same day if qualified
Carrier appointments submitted within 72 hours of contract signing
CRM + AI stack access from day one

By submitting, you agree to be contacted about the Koino Capital Group producer opportunity. We never sell your information.