Cover - Smart Choice Agency Review: Good Or Bad Agency?

Smart Choice Agency Review: Good Or Bad Agency?

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

Disclaimer: We are not in any way affiliated with Senior Select Insurance. 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 Senior Select Insurance directly, call them at 888-264-3388.

Do you intend to start a career selling insurance with Smart Choice Agency?

Even if you haven’t taken your insurance license test yet, you should keep reading. Ahead, I’ll answer all your questions about Smart Choice Agency in a fair and unbiased agent career review.

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 in-depth information on how the insurance sales industry works? Check out my Free Insurance Agent Resource Guide [NEW] to get answers to all your questions.

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About Smart Choice Agency

Smart Choice Agency is a network of over 8,000 independent agencies and more than 100 insurance carriers. It is one of the fastest-growing agency networks in the United States.

The agency was founded in 1994 in North Carolina. The founder and current CEO, Doug Witcher, is a former insurance agent who wanted to provide independent insurance agents with access to top-rated carriers, product training, as well as sales and marketing support.

Smart Choice Agency is headquartered in Greensboro, North Carolina, and provides services in 45 states.

Products Sold And Market Focus

Smart Choice Agency serves both personal, commercial, life, and health markets. The agency works with carriers such as Travelers, Liberty Mutual, Lincoln Financial Group, Kemper, and MetLife to offer a wide range of products, including:

    • Individual and business life insurance

    • Long term care insurance

    • Disability insurance, and

    • Annuities.

How Leads Work

Smart Choice partners with EverQuote, a data and technology platform designed to connect consumers to insurance providers, in order to offer agents discounted leads. All leads are 100% organically-sourced and specially priced for Smart Choice agents. They offer auto, home, and life leads, data leads, and live transfer leads.

How Getting Paid Works

Smart Choice Agency claims to negotiate higher than average commissions for its agents. It also offers the possibility to earn 100% commissions once you’ve reached a certain commission level.

The company provides a range of additional tools for agents:

    • Professionally-designed and maintained websites that can be purchased at an affordable price. Agents can sign up for monthly website hosting which includes up to 10 email addresses and get the website creation for free.

    • Access to the following agency software:
        • Applied Rater. This is a cloud-based insurance quoting solution designed for independent agencies, allowing them to provide prospective clients with accurate quote comparisons of different carriers and lines of business. The software can be integrated with the agent’s website.

        • EZLynx. This software is a complete insurance solution tailored specifically for independent agents.

        • QQ Catalyst cloud-based agency management system by QQ Solutions.

    • Financing in partnership with a small business lender Live Oak Bank.

    • Errors and omissions insurance, offered through CalSurance, a leading provider of insurance solutions.

Smart Choice Agency claims to be the only no-fee program of its kind, with no start-up fees and no monthly or program fees.

Is It A Scam, MLM, Pyramid Scheme?


Some insurance companies operate as multi-level marketing or pyramid schemes, where agents are expected to recruit other agents and make a profit through sales of new recruits instead of selling products.

You may be wondering whether Smart Choice Agency is one of these organizations and whether it is a scam or a legitimate company. The answer is, this is a trustworthy agency with almost three decades of presence in the insurance industry and excellent employee reviews. When you’re appointed with Smart Choice, you will be selling products from top-rated insurance carriers of your choice, and will not be asked to recruit.

My Thoughts

Now that you know a little more about Smart Choice Agency and how selling with this company works, I’d like to offer you my perspective as a national insurance agency owner since 2013.

Here is one of the key points to consider before you start working with Smart Choice Agency, or any other insurance company.

Mastering One Product Strategy

I believe the best strategy when considering a career in selling insurance is to focus on mastering one single product. Becoming an expert in your niche will allow you to make more sales. Later on, you will be able to gradually incorporate more products into your portfolio.

If you try to learn about multiple products, where each one has different underwriting requirements and technical know-how, you will quickly feel overwhelmed. You risk losing interest in business and quitting altogether.

That’s why I highly recommend you to make sure that the organization you choose to work with focuses on specialization rather than generalization.

In my own agency, new agents have great success with a focused, specialized approach to selling insurance versus trying to become experts in every single product.


I hope you enjoyed reading this article on selling insurance with Smart Choice Agency and my advice about the importance of specialization. If you’d like to find out how my agency—Duford Insurance Group—works, you can find more information on the FAQ page.

Also, feel free to check out my new Free Insurance Agent Resource Guide for advice about the insurance sales business in general.

Thank you for reading!

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