Cover - HOLTZ Agency Review (Good Or Bad Insurance Sales Opportunity?)

HOLTZ Agency Review (Good Or Bad Insurance Sales Opportunity?)

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

Disclaimer: We are not in any way affiliated with HOLTZ 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 HOLTZ Agency directly, call them at (513) 671-7220.

Are you interested in selling insurance with HOLTZ Agency? Or perhaps you’d like to find out more about several different insurance agencies before you make up your mind.

You’ve come to the right place!

Below, I will provide a fair and unbiased review of HOLTZ Agency career agent jobs. Read on to find out more about how this agency works, so that you can make an informed decision as to whether this is a good career opportunity for you.

You may want to read this article even if you haven’t taken your insurance license exam yet. At the end, I will share my experience as someone who’s sold insurance since 2011 and has been an insurance agency owner since 2014.

Let’s get started!

PS: For information about other insurance agencies, you can check out my insurance sales job reviews here.

NOTE: As an aspiring or new insurance agent you are certainly interested in knowing more about the insurance sales industry in general. You’ll find all the answers to your questions in my new Free Insurance Agent Resource Guide here.

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About HOLTZ Agency

HOLTZ Agency is an American Income Life Insurance Company (AIL) distributing agency owned by Kevin Holtz. Before joining AIL in 2007, Kevin attended the Parma School of Nursing’s two-year program in Brecksville, Ohio, where he earned his degree as a Licensed Practical Nurse.

American Income Life (AIL) is a wholly-owned subsidiary of National Income Life Insurance Company (NILICO) based in New York. It is the only 100% union-label provider of supplemental benefit programs and a member of Torchmark Corporation (TMK), a financial services holding company listed on the New York Stock Exchange. The company was established in 1951.

HOLTZ Agency is based in Cincinnati, Ohio.

Products Sold And Market Focus

American Income Life provides working class families with a range of life, accident, and supplemental health insurance products.

When it comes to life insurance, they offer both whole life insurance, term life insurance with terminal illness rider, accident and supplemental health insurance, and no-cost Child Safe Kit.

The company’s target market consists of members of labor unions, credit unions, associations, and their families.

How Leads Work

AIL focuses on several strategies in order to help agents generate life insurance leads:

    • Leads are generated when union members send back a reply card to add their beneficiary to the AIL accidental coverage.

    • Agents use no-cost Child Safety Kits to get in front of potential prospects for insurance and offer them other products.

    • Referrals are also generated from sales presentations.

How Getting Paid Works

As an agent with HOLTZ Agency, you can expect to be paid 100% commission on the insurance sales you make. New AIL agents start at a 50% commission for each contract sold. Similar to many other insurance agencies, there is no basic salary.

HOLTZ Agency offers high-quality comprehensive training on all aspects of leadership, from basic skills to personal development, with numerous resources and workshops available online.

Furthermore, the company has competitive compensation and bonuses for top producers.

Is It A Scam, MLM, Pyramid Scheme?


HOLTZ Agency is a completely legitimate distribution agency of American Income Life.

AIL has been in business since 1951 and has a superior A+rating for financial strength from AM Best. It is among the Forbes Top 50 Happiest Companies to Work With.

AIL is not a pyramid scheme or scam. In fact, its organizational hierarchy is no different than any other insurance agency.

My Thoughts

Now that you know a little bit more about how selling insurance with HOLTZ Agency works, I will provide my perspective as an insurance agency owner nationally since 2013.

The advice that you are going to read below is not only relevant to HOLTZ Agency and AIL. Rather, I hope it will help you gain important insight into the insurance business as a whole.

Owning Your Book of Business, Vesting and Releases

When you start working as a new agent, you should always check whether the insurance agency will let you own your book of business. This is a list of all the insurance policies you sold and the renewal income that comes from them.

In other words, you want to make sure that if you leave the agency, you will be able to keep your customer base together the renewal income from the policies you sold. Otherwise, if you have built up a large clientele base and the agency keeps your books of business, your career may suffer.

Vesting is another term for owning a book of business. Ideally, you should be fully vested from day one. You’ll find that many agencies require agents to go through a waiting period and then let them go before the vesting waiting period ends.

Releases refer to moving your insurance carrier contracts from one agency to another. Some companies don’t allow agents to switch carriers over to another agency, making it more difficult to leave.

The bottom line is that before you decide to work with an insurance agency, make sure to check how vesting and releases work.


I hope that you found this article about HOLTZ Agency useful and that you have a better understanding of how selling insurance with them works.

I also created a Free Insurance Agent Resource that contains answers to many questions that you may have as a new agent.

If you’re interested in learning how my own insurance agency—Duford Insurance Group—works, there’s more information on my FAQ page.

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