The New Generation

of the Financial Services Industry

Offer up to $2,000,000 to your clients with No Medical Exam

for IUL, WL and TERM life products in all 50 States underwritten by A+ Rated carriers.

Working with U.S. Immigrant Clients?

Offer Life Insurance for Non-U.S. Citizens regardless of their Immigration Status.

El 68% de nuestros agentes habla Español.


FLOW en Español.

$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

Term Life

Indexed Universal Life

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.

English

Espanol

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

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)

FAQs for Full Transparency

Coverage & Product Details:

Commission & Financial Details:

Contracting & Partnerships

Company Information & History

What products do you offer?

We provide non-medical products up to $2,000,000 death benefit on IUL, Term, and Whole Life policies, with instant approval and five living benefits (Chronic, Critical and Terminal included for no additional cost to your clients. We also offer fully underwritten cases, foreign coverage, advanced market sales, and premium financing with no coverage limit. Learn more about our Products.

What are the coverage options available for non-U.S. citizens and Immigrants living in the U.S?

We provide coverage to both documented and undocumented immigrants. If your client have a valid passport, a U.S. bank account, and have resided in the U.S. for more than four months, they are eligible for up to $2 million in coverage for products including Whole Life, Term and IUL.

Do you provide living benefits in your products?

Yes, all of our products including IUL, TERM and WHOLE LIFE include Living Benefits for Chronic, Terminal and Critical at no additional cost to your clients.

Living benefits may be provided by riders, which are supplemental benefits that can be added to a life insurance policy and are not suitable unless you also have a need for life insurance. Riders are optional, may require additional premium and may not be available in all states or on all products. This is not a solicitation of any specific insurance policy.

Could you provide more information about non-medical underwriting?

Sure! Non-medical underwriting allows clients to obtain policies with a death benefit amount up to $2,000,000 simply by answering a few medical questions, without the requirement for a medical examination across our product line.

This method is not just streamlined but also exceptionally fast, with the majority of approvals being issued on the same day. Clients typically receive their policies in just 48 hours. It's available to both U.S. Citizens and Foreign Nationals. .

Do you offer life insurance to Foreign Nationals living outside of the U.S.?

Yes. Our life insurance agency is one of the first agencies that has the ability to provide life insurance coverage starting January of 2024. If you have clients residing in any of our pre-approved countries, you have the opportunity to offer them life insurance, regardless of their connection to the United States. In other words, if you have a client who lives in Latin America, Asia, Australia or any other pre-approved countries, you may be able to get them covered. For those interested in expanding their portfolio with Life Insurance products, please schedule a meeting with us to begin the contracting process.

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 Specific Carriers?

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.

Do you offer leads?

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 and Cancellation Policy:

Lead Fulfillment Terms and Conditions.

  1. 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.

  1. 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.

  1. 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.

  1. 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.

  1. 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.

  1. 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.

  1. 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.

  1. 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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FAQ image

Who is Flow International?

FLOW International Group specializes in connecting insurance agents with real-time, high-quality leads and advanced growth strategies. Our platform supports agents in expanding their client base by providing customizable, compliant leads tailored to language, territory, and business needs. We are committed to transparency, data privacy, and seamless CRM integration, empowering agents to scale effectively

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.

Who is the A+ rated carriers/life insurance companies that underwrites the policies?

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.

Who is the Founder of Flow International?

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.

FAQ image

Financial strength ratings for National Life Insurance Company and Life Insurance Company of the Southwest as of July 9, 2024 are:

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.

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

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.