Cover - Smart Choice Insurance Review

Smart Choice Insurance Review

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

Disclaimer: We are not in any way affiliated with Smart Choice 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 Smart Choice Insurance directly, call them at (888) 264-3388.

Are you interested in selling insurance with the Smart Choice Insurance Sales Career?

If so, have a look at my review below.

In this article, I will describe how a career selling insurance with Smart Choice Insurance works so you can decide for yourself if joining their company is the right decision.

Without further ado, let’s begin.

PS: If you would like to learn more about insurance sales opportunities other than Smart Choice Insurance, we’ve posted tons of insurance career reviews on this page.

NOTE: Are you interested in selling insurance as a business? Yes, then check out my Free Insurance Agent Resource Guide to find out more.

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About Smart Choice Insurance

Smart Choice was launched in 1994 in North Carolina by its current chairman and CEO Douglas Witcher. Smart Choice is a network of over 8,500 independent agencies and more than 100 insurance carrier partners. This is one of the fastest-growing independent agency networks in the country.

The company is headquartered in Greensboro, North Carolina, and has over 100 offices located across the US. It provides services in 45 states.

Products Sold And Market Focus

Smart Choice partners with over a hundred top-rated national carriers such as Liberty Mutual, Travelers, MetLife, Safeco Insurance, Allstate, and many others, to offer more than 3,000 products.

How Leads Work

Smart Choice has partnered with EverQuote, the largest online insurance marketplace in the country, to provide discounted 100% organically-sourced leads to its agents, including data leads and live transfer leads.

How Getting Paid Works

According to the Smart Choice website, their independent agents have the possibility to gain 100% of the commissions they earn, depending on the program.

Besides, the company provides agents with a wide range of services, including access to personal, commercial, life and health markets, in addition to ancillary products and services to help them build their businesses.

They can also enjoy additional benefits through their no-fee program, like access to dedicated product training and a business solutions center. Additionally, agents are offered support of marketing representatives and customer support of their national and regional insurance carrier partners.

Other products and services that are available to agents to help them grow their agencies include:

    • Website design and hosting

    • Agency software

    • Lead sourcing

    • Continuing education

    • Financing, and

    • E&O insurance.

There are no fees to become a Smart Choice agent and no ongoing fees to continue the membership.

Is It A Scam, MLM, Pyramid Scheme?


Smart Choice is not a scam. It is a reputable company with positive employee reviews and strong financial ratings. It has a superior A+ rating from BBB.

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


Thanks for reading my article on how selling insurance with Smart Choice Insurance works. I hope you enjoyed this review and now have a better idea of how this particular insurance agency operates.

If you’re new to the industry, I put together a Free Insurance Agent Resource Guide specifically to help new agents like yourself get started. You’ll find helpful tips and advice about how the insurance sales business works and answers to questions you didn’t even know you had.

Plus, if you’d like to find out exactly how I’ve helped insurance agents nationwide sell final expense and Medicare both over the phone and face-to-face, there’s more information on my FAQ page.

Thanks for reading!

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