Cover - Firefly Insurance Agency Review: Good or Bad Idea?

Firefly Insurance Agency Review: Good or Bad Idea?

By David Duford - February 05, 2023 - 5 Mins Read

Disclaimer: We are not in any way affiliated with Firefly Insurance Agency. In fact, we are a direct competitor of theirs. This article is our personal review of their agent sales career opportunity and our personal opinions of the company. If you are looking to contact Firefly Insurance Agency directly, call them at 866-903-1596.

Are you interested in selling insurance with Firefly Insurance Agency? Perhaps you’d like to find out more about their company before you head for the interview.

Even if you haven’t taken your insurance license exam yet, you’ve come to the right place!

Below, I provide a fair and unbiased review of Firefly Insurance Agency. Keep on reading to find out more about how their company works and whether this is a good career opportunity for you.

At the end of the article, I’ll also share my experience as someone who’s sold insurance since 2011 and been an insurance agency owner since 2014.

Let’s get started!

PS: For more information, check out my insurance sales jobs reviews of other agencies.

NOTE: As an aspiring or new insurance agent you may want to know more about the insurance sales industry in general. You’ll find all the answers in my new Free Insurance Agent Resource Guide.

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About Firefly Insurance Agency

Firefly Agency appoints insurance agents with independent insurance carriers. The company was established in 2005 and is owned by Todd Reddell. It is headquartered in Dublin, Ohio.

The agency serves 24 states: Alabama, Arizona, Arkansas, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, New Mexico, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, West Virginia, and Wisconsin.

Products Sold And Market Focus

Firefly Agency partners with several top-rated national insurance companies, such as Progressive, Travelers, The Hartford, Kemper P&C, Hanover Insurance, Founders Insurance Company, MetLife, Safeco Insurance, and others.

Is product lines include:

    • Home insurance

    • Auto insurance

    • Commercial insurance

    • Business insurance, and

    • Life insurance.

How Leads Work

If you are a new agent working for Firefly, you will have to start by generating your own leads. You may want to invest in setting up a website so that your customers can learn more about what you have to offer. Some agents also choose to spend money on sending direct mail to potential customers, while others market locally, or invest in memberships to associations and networking organizations.

In addition to generating cold leads, most Firefly agents use the company’s warm leads program. They can submit the prospect’s details to the carrier who gathers the information they need in order to quote, sell, and service the policy.

How Getting Paid Works

Firefly agents work on a commission basis. They can get up to 80% of the commission earned for each policy, while Firefly takes the remaining 20%. Commissions are paid monthly by ACH direct deposit.

It’s worth noting that Firefly insurance agents are exclusive and cannot seek appointments with carriers outside of their Firefly portfolio.

New agents have access to a 20-page ebook with extensive information about commissions, carriers, quoting, and other information they need to start their business, in addition to an online learning center with useful articles and videos.

In addition, they are required to participate in regular online training sessions. The process is adapted to everyone’s individual pace, allowing them to apply the information before adding new training sessions.

The training topics include:

    • Underwriting guidelines of the carriers

    • Saving retention documents in the management system

    • Navigating and using the website of each carrier the agent is appointed with

    • Firefly’s internal tools overview, and

    • Using Lastpass to manage carrier passwords.

Most agents can start writing within the first four-to-six weeks.

You should keep in mind that although Firefly agents aren’t required to pay startup fees or franchise fees, they are charged a $395 monthly fee that goes toward E&O insurance, and their comparative rater and management system, EZLynx.

Is It A Scam, MLM, Pyramid Scheme?


Multi-level marketing (MLM) and pyramid schemes are chains of recruitment through which agents qualify for commissions and bonuses and advance upward in the hierarchy of levels. Firefly Agency is not one of those organizations, as their agents work directly with the carriers and are not expected to recruit.

Firefly is not a scam, but a reputable agency with over 15 years of presence in the insurance industry.

My Thoughts

Now that you have a better understanding of how a career selling insurance with Firefly Insurance Agency works, I’d like to share my experience as an insurance agency owner since 2013.

Ownership of the Book of Business

As a new agent, you should make sure that you own your book of business.

What does that mean?

There are plenty of insurance agencies that will recruit you to sell insurance policies, but when you decide to leave, they’ll keep the renewal income from the policies you sold.

If you have built up a large clientele base, this can easily damage your career.

That’s why you want to make sure that if you leave your insurance agency your clients and your business remain yours. If you own the book of business, you can continue to work with them in the future and keep your renewal commissions.

Whether you’re thinking of joining Firefly Insurance or another agency, I highly recommend that you first check whether you will own your book of business completely. Ask the agency whether you’re fully vested from day one. If this is not the case, consider looking for another company to work with.


Thank you for reading this article. I hope that you’ve gained a better insight into selling with Firefly Insurance Agency.

If you want to know more about the insurance business in general, you may want to check out my Free Insurance Agent Resource. To learn about how I’ve helped insurance agents sell final expense insurance, you can find more information on my FAQ page.

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