No Medical Exam Underwriting
Rated Premier Carriers
Policy Delivery Via Secured Email
First Year Commission
Up To
Book of Business Ownership
To Foreign and
Non-US Citizens
Minimum Production Requirement
To Full Control of
Your Business
Desk and Back Office Fees
To 100% Independence
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 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
Increase Approval
More Clients
Professionals
Mins Wait for Support
Better Experience
Integrity. Multiculturalism. Recognition
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.
..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
English (Approved for Clients)
Spanish( Approved for Clients)
Chinese (Approved for Clients)
Coverage & Product Details:
Commission & Financial Details:
Contracting & Partnerships
Company Information & History
Newly licensed agents start at a 50% commission rate, which can rise up to 100%.
For full transparency, refer to our Commission Guidelines.
Every relationship is valuable to us, and we believe in fostering these connections personally. Please schedule a meeting to learn more.
Your commissions are issued as a 1099, reflecting that you operate your own business.
Yes, we pay advanced commissions to our agents and partners.
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.
You are directly contracted with the specific carriers. 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 the carriers.
Yes, we provide high-quality, real-time leads to our agents! You’ll receive leads in your preferred language, and they are delivered within 24 hours. Agents can pause or stop lead purchases anytime. For more details, please refer to our Lead Fulfillment and Cancellation Policy below.
Lead Fulfillment Terms and Conditions.
Lead Delivery
Purchased leads are delivered to the agent’s CRM within 24 hours, ensuring timely access to potential clients. Each lead is customized to the agent’s selected preferences, such as language, territory, and lead type. Our goal is to match agents with leads that align with their specific business objectives.
Refund and Replacement Policy
All lead purchases are final and non-refundable. However, if an agent receives duplicate leads (i.e., the same lead provided more than once), they may request a replacement or refund for the duplicated lead.
To qualify, agents must report the duplication within 48 hours of receiving the lead and provide necessary evidence of the duplicate status. No refunds or replacements will be issued beyond this timeframe.
Lead Purchase Preferences
Agents can adjust their lead purchase settings, including pausing or resuming lead deliveries, at any time via the agent portal. Changes to lead delivery settings will apply to future lead purchases only and will not affect any leads previously purchased or delivered.
Payment Processing
Payments for leads are processed securely through Stripe. Our payment system complies with PCI-DSS standards to ensure customer data privacy and security. Upon payment confirmation, leads will be delivered based on the agent’s specified preferences. Any payment-related issues should be directed to our support team at it@flowinternationalgroup.com.
Cancellation of Lead Purchases
Agents may pause or stop lead purchases by adjusting their account settings at any time. However, this does not impact leads that have already been delivered. No refunds or cancellations are available for leads that have been processed and delivered.
Dispute Resolution
We encourage agents to contact our support team within 48 hours if there are any issues with lead quality, such as duplicate leads. After this 48-hour window, disputes will not be considered unless an exception is granted by FLOW International Group.
Compliance and Security
FLOW International Group adheres to Stripe's card network policies to maintain a secure and transparent transaction process. We uphold high standards of data protection and privacy for all lead transactions, and our website uses HTTPS to ensure a secure browsing experience.
Agents can trust that their data is processed securely, and all personal information is managed in compliance with international privacy standards.
Contact Information
Our support team is readily available to assist agents with any inquiries. For questions regarding lead fulfillment or account management, please contact us at it@flowinternationalgroup.com or via live chat on our company Telegram.
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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 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.
The A+ rated carrier that underwrites our policies is National Life Insurance Company and Fidelity and Guaranty. National Life Group is known for its 176 year old history, financial strength, stability, and commitment to policyholders.
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.
As the Founder at FLOW, 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, FLOW isn't just a National Life Group Partner. With an International Team spanning numerous nationalities among both agents and clients in the U.S., FLOW truly reflects its global spirit. Outside the boardroom, Istvan has a heart for philanthropy, frequently donating to support children in Central and South America.
A.M. Best A+ (Superior) 2nd out of 16 ratings
Standard & Poors A+ (Strong) 5th Out of 21 ratings
Moody's A1 (Good) 5th out of 21 ratings
Ratings are subject to change.
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
The agents of Flow International Group offers policies issued by National Life Group Life Insurance Company, Life Insurance of the Southwest and Fidelity and Guaranty Life Insurance Company, among other carriers . Products and their features may not be available in all states.
Terms and conditions apply.