Cover - ALB Insurance Marketing Review

ALB Insurance Marketing Review

By David Duford - January 03, 2023 - 5 Mins Read

Disclaimer: We are NOT affiliated with ALB Insurance Marketing. This is merely a review of their insurance sales and recruitment system along with our opinions. If you’re here hoping to get a hold of them, contact them directly at (800) 859-1393

Are you considering a career selling insurance with ALB Insurance Marketing Agent Career?

You might have had an interview already, but you still want to find out more about ALB Insurance Marketing before you make a decision.

If this describes your situation in any way, then you’ve found the right article!

Today, I will highlight some crucial points regarding a career with ALB Insurance Marketing as well as offer a fair and unbiased review of their company.

Let’s begin.

PS: Check out my insurance sales jobs reviews of other agencies for more information.

NOTE: Are you an aspiring or new insurance agent looking for more insight into how the insurance sales industry works? Check out my Free Insurance Agent Resource Guide.

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About ALB Insurance Marketing

Adams Life Brokerage, more commonly known as ALB Insurance Marketing, was founded in 1998 by Principal Matthew Adams Pashby.

It provides quality leads, service, and training to insurance agents. The company has recently become a full partner in EPIC Marketing Group, a full-service marketing, and sales promotion company.

ALB Insurance Marketing is headquartered in Plainview, Texas.

Products Sold And Market Focus

The product portfolio of ALB Insurance includes whole life insurance, universal life insurance, term life insurance, Medicare supplement plans, as well as annuities.

The agency partners with a number of top-rated carriers including Aetna, AIG, American National, Foresters Financial, American Equity, and Mutual of Omaha for life insurance, and Allianz, Voya, EquiTrust, Lincoln Financial Group, and Sentinel Security Life for annuities.

How Leads Work

ALB Insurance provides extensive information about leads on its website. They offer a wide range of high-quality lead programs, including direct mail, telemarketing leads, Facebook leads, direct transfer leads, and transfer lists.

Agents can purchase ALB Insurance leads at the following costs:

    • Direct mail: $30 per lead (these leads are never redistributed or resold)

    • Facebook: $20 local/ $14 statewide (100% exclusive leads)

    • Telemarket: $13 per lead (personalized leads with agent’s name)

    • Direct transfer leads: $18 per lead

    • Data lists: $200 for 1000 names

    • Annuity: $50 per lead

    • Aged internet life and final expense leads: $2 per lead

    • Final expense DM B leads: $3 per lead

    • Mortgage protection DM B leads: $3 per lead, and

    • Exclusive territory leads: $40-50 per lead (there is a minimum of 25 leads).

In addition, the established managing general agents (MGAs) are given the possibility to white label the company’s lead programs.

How Getting Paid Works

Like most insurance companies, ALB Insurance doesn’t publish its commissions for agents. However, as an independent insurance agent working for ALB, you can expect to be paid a small salary with a commission and a possible bonus.

According to the company’s website, they offer their agents the highest commissions their partner carriers allow.

ALB Insurance also offers several educational resources and toolkits for its agents, as well as client surveys and webinars through their website.

Is It A Scam, MLM, Pyramid Scheme?


There is very little information available about the company with mixed employee reviews. ALB Insurance holds a superior A+ rating from BBB, although it is not BBB accredited.

This is not a multi-level marketing (MLM) business opportunity or pyramid scheme. The company does not have multiple layers of agents, mentors, and trainers and is not suitable for agents who are primarily looking to recruit.

My Thoughts

Now that you know a little more about how a career selling insurance with ALB Insurance Marketing works, I’d like to provide my experience and knowledge as an insurance agent since 2011 and as an insurance agency owner since 2014.

What follows below isn’t necessarily advice or critique specific to ALB Insurance Marketing. Instead, it’s general advice that I think all new and aspiring agents should consider before deciding to join a particular insurance agency.

Do Your Due Diligence on Commissions

One of the most common ways that agencies short-change new agents is on how commission levels work.

For example, if you’ve done any sort of research, you’ve likely discovered that there are tons of multi-level marketing-focused organizations. These companies focus solely on recruitment and win over new agents by flaunting high-end cars and fat stacks of cash.

Thankfully, not all insurance agencies have a multi-level marketing Kool-Aid culture. There are good ones that will prioritize training and help new agents become top producers vs. making you recruit your friends and family.

While these MLMs show off their conspicuous consumerism on full display, they act much like a magician who misleads the audience with misdirection. What they don’t tell you is that the commission levels offered are tremendously lower than average.

In fact, I’ve seen big-name insurance agencies start agents three to four times lower than what I start my new agents at! Very sad!

Why are commission levels so low with these organizations?

The main reason is that with a multi-level marketing mass recruiting strategy, there will always be people between you (the insurance agent at the bottom) and the big earners at the top.

When this happens, there’s less room for higher commission levels since everybody has to get paid.

How can I find an organization that’s going to pay fairly?

Commission levels vary all over the board depending on what kind of product you intend to sell. So it’s hard to tell you specifically what you should be earning as it’s going to depend on what products and carriers you ultimately select.

Though I will tell you this with certainty. If you join an organization that pumps up recruitment right from the get-go, your commission level is likely going to be below average.

My advice? Find an organization that values training and supports new agents. When an agency focuses on development over recruitment, chances are that organization will be far less likely to short-change you.

And that’s exactly how I run my agency! In my organization, I’m known as a broad organization as opposed to a deep organization like most multi-level marketing companies.

What does this all mean?

Well, my agents don’t have ten people between them and me. Instead, I work directly with all my agents. This allows me to extend higher commissions to my agents and support them in selling insurance.

In return, my agents get incredible sales and marketing training while maximizing their commissions simultaneously. I still make a fair amount of income from overrides which is the difference between my commission level and yours, but not at your expense like an MLM insurance agency would operate.

Bottom line, in my organization, it’s a win-win for everyone involved.


Thanks so much for reading my article on how selling insurance with ALB Insurance Marketing works. I hope you enjoyed this article and feel more confident knowing more about how the insurance business works as a whole.

If you’re a new or aspiring insurance agent, I highly recommend that you check out my Free Insurance Agent Resource. You’ll find more tips and advice about the industry and answers to questions that you may not have even known you had.

If you’d like to learn more about how I’ve helped insurance agents sell final expense and Medicare either over the phone or face-to-face, there’s more information on my FAQ page.

Thanks for reading!

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