$2M
No Medical Exam Underwriting
A+
Rated Premier Carriers
24h
Policy Delivery Via Secured Email
100%
First Year Commission
Up To
100%
Book of Business Ownership
YES
To Foreign and
Non-US Citizens
NO
Minimum Production Requirement
YES
To Full Control of
Your Business
NO
Desk and Back Office Fees
YES
To 100% Independence
Why we are different
Traditional
Companies
No Exam < $2M (WL, IUL, TERM)
Instant Application Approval
24h Policy Delivery
60-110% Advanced Commission
Training and Support
Non-US Citizen approval regardless of documentation status
No Cost Living Benefits
Partner on a case-by-case basis
Agent App & Client App
Trusted by Industry Leaders. Backed by A+ Rated Carriers
Why we are different
Traditional
Companies
No Exam < $2M (WL, IUL, TERM)
Instant Application Approval
24h Policy Delivery
60-110% Advanced Commission
Training and Support
Non-US Citizen approval regardless of documentation status
No Cost Living Benefits
Partner on a case-by-case basis
Agent App & Client App
Trusted by Industry Leaders. Backed by A+ Rated Carriers
No Medical Exam Up to $2,000,000
Whole Life
Permitting the use of dividends to purchase additional internal paid/up insurance
Non-Med up to $2,000,000 Death Benefit
Available to Non-U.S. Citizens regardless of their immigration/documentation status
Five Living Benefits Included (Terminal, Chronic, Critical illness, Alzheimers and Injury)
Indexed Universal Life
Our company has earned recognition as the #2 company for Indexed Universal Life (IUL) Insurance Sales in the U.S., demonstrating our commitment to delivering top-quality solutions.
Non-Med up to $2,000,000 Death Benefit
Available to Non-U.S. Citizens regardless of their immigration/documentation status
S&P 500 Interest Crediting
Five Living Benefits Included
Significant Cash Value Growth
Protection from market losses
Available in all states
Term Life
Non-Med up to $2,000,000
Available to Non-U.S. Citizens regardless of their immigration/documentation status
Five Living Benefits Included
Flexibility to convert to a permanent life policy
Available in all states
42%
Increase Approval
3x
More Clients
1,2k
Professionals
5
Mins Wait for Support
100%
Better Experience
Integrity. Multiculturalism. Recognition
Offer Coverage for non-U.S. Citizens
Undocumented Immigrants
Permanent Residents
Foreign Nationals
FLOW carriers covers documented and undocumented immigrants living in the U.S. As long as individuals have a valid passport, a U.S. bank account, and have lived in the U.S. for over four months, they can receive up to $2 million coverage for all our products.
Products your clients LOVE, COMMISSION that make YOU LOVE US.
Offer policies without a medical exam , 24h issue speed - up to 110% advanced commissions.
Highest Lead Quality for
the Lowest Cost thanks to our own Lead Marketplace
When we talk about the quality of leads, we're referring to the leads generated through our own Marketing Agency, videos recorded in our own Studio and distributed at our Lead Marketplace at an exact cost that we are also paying for the ads.
We don't mark up the price for our agents We offer the highest quality leads in the industry at the lowest price, resulting in a 37x
ROI.."
We are FLOW Agents...
..and we understand the importance of social media in 2024. Therefore, we attract our clients and agents through various social media platforms.
Or check us out on Instagram
The best Agent Portal that's ever existed
We speak your client's language..
...so we are prepared with multilingual videos
English (Approved for Clients)
Spanish( Approved for Clients)
Chinese (Approved for Clients)
The Industry Leader of Living Benefits.
Included in all products. For No Cost.
FAQs for Full Transparency
Coverage & Product Details:
Commission & Financial Details:
Contracting & Partnerships
Company Information & History
What is the starting commission level?
Newly licensed agents start at a 50% commission rate, which can rise up to 100%.
For full transparency, refer to our Commission Guidelines.
Who can I contact if I have more questions?
Every relationship is valuable to us, and we believe in fostering these connections personally. Please schedule a meeting to learn more.
Am I issued a 1099 or a W2 for my commissions?
Your commissions are issued as a 1099, reflecting that you operate your own business.
Do you provide advanced commission payout?
Yes, we pay advanced commissions to our agents and partners.
Can I partner while affiliated with another company?
Absolutely! We welcome partnerships with financial professionals who are currently affiliated with another company. We understand that you may have existing relationships and commitments. Try out our carriers and see if we are a good fit. Schedule a meeting for more information.
Am I contracted with Flow International Group or National Life Group?
You are directly contracted with National Life Group Life Insurance Company. Our agency has chosen this approach to ensure your independence. You retain ownership of your book of business and all renewal commissions. This means that even if you decide to leave the industry, you will continue to receive the overrides. Additionally, your commissions are paid by National Life Group.
Do you offer leads?
Absolutely! We provide leads to all our agents. Given the high interest from U.S. immigrants, we're excited to offer our bilingual agents free leads for 30 days from clients who prefer speaking in our bilingual agents' native language. With us, you can help them regardless of immigration status. 😊
Who is Flow International?
Flow International "FLOW" is a trusted partner of agents, agencies and premier life insurance companies. We offer partnerships and direct contracts to Financial Representatives, Financial Advisors, Life Insurance Agents and Agencies to represent National Life Group Life Insurance Company and Fidelity and Guaranty Life Insurance Company. As an exclusive partner of these carriers, we streamline the onboarding and contracting process, ensuring a smooth start for our partners.
Who is the A+ rated carriers/life insurance companies that underwrites the policies?
The A+ rated carrier that underwrites our policies is National Life Group and Fidelity and Guaranty. National Life Group is known for its 176 year old history, financial strength, stability, and commitment to policyholders.
Who is the Founder of Flow International Group (FLOW)?
Our Founder is Istvan G. Kovalkovits. From Hungary to the U.S., Istvan's journey has seen him work alongside big names like Allianz, Northwestern Mutual and 16 other premier life insurance companies for over a decade. Searching for the best of both worlds - the trusted ways of the past and the fresh ideas of the present - he founded Flow International Group (FIG).
As the Founder at FIG, he's all about mixing the best training with offering top-notch NON-MEDICAL IUL, WL and TERM products, and making sure agents get the freedom they need. Under his watch, FIG isn't just a National Life Group Partner. With an International Team spanning numerous nationalities among both agents and clients in the U.S., FIG truly reflects its global spirit. Outside the boardroom, Istvan has a heart for philanthropy, frequently donating to support children in Central and South America.
Who is the Founder of National Life Group (NLG)?
Mehran Assadi is Chairman, Chief Executive Officer and President of National Life Group. Assadi joined National Life in September 2003 as the Executive Consultant to the Chief Executive Officer charged with overseeing strategic initiatives. Shortly thereafter he was hired and appointed interim Chief Operating Officer. In 2005, he was appointed the company’s President of Life and Annuity. Since becoming President and Chief Executive Officer in 2009, Mr. Assadi has led major growth in both top and bottom line results of National Life’s life and annuity products and has worked to build a culture of collaboration, engagement and empowerment among employees. He joined National Life’s Board of Directors in 2009 and was elected Chairman in 2017. Before joining National Life Group, Mr. Assadi served as Chief Marketing Officer and Chief Information Officer at Provident Mutual in Newark, Delaware. A graduate of Towson University, Assadi has a Master's in Management Information Systems from the University of Baltimore.
Same-Day Issue.
24h Delivery.
Instant Underwriting Software
Immediate Decisions
No Medical Exam up to $2,000,000
Assigned Case Manager
E-Delivery or Physical Mailing
Application takes less than 10 minutes
Financial Advisors
" Partnering with FLOW has transformed my practice, enhancing client growth via S&P 500-linked policies and ensuring access to hassle-free life insurance. This collaboration has elevated both client satisfaction and my professional reputation. "
Tiffany B. and Sanjay B.
Industry Leaders
" As a team leader, my decision to contract our entire team with FLOW was game-changing, particularly because of the approval for non-US citizens. This proved instrumental in serving our Spanish-speaking clientele, ultimately leading to increase in our team's sales in 2023. "
Peter T.
Life Insurance Agents
" As a licensed agent, I've found great value in offering non-medical policies up to $2M. This change has let me help past clients who were put off by medical exams, boosting my sales, particularly for products with living benefits. "
Danny W.
© 2024 Flow International LLC marketing name FLOW operates in all states in the United States.
Flow International offers policies issued by National Life Group Life Insurance Company, Life Insurance of the Southwest Life Insurance Company and Fidelity and Guaranty Life Insurance Company. Products and their features may not be available in all states.