FLOW International

The NMO Built for the New America.

Services
About us

Top-Tier Carriers

Built-In Technology

Real Agent Support

You Own Your Book

What you get

Everything you need to build a thriving practice.

From lead generation to licensing support, FLOW delivers a full-stack infrastructure — so you focus on closing, not chasing.

FLOW Services.

Earn more.

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Marketing

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Training

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By the numbers

Built on real results, not promises.

Active licensed agents

2,400+

Languages supported

13+

Average contract approval

48h

Paid in agent compensation

$12M+

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Who we are

The NMO that actually represents America.

FLOW was founded on one belief: the fastest-growing communities in America deserve the same tools, carriers, and compensation that top producers have always had.
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Istvan Kovalkovits

Founder of FLOW
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Alessio Tomasoni

Founder of WAVE
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Karelin Marte

Founder of BRICKELL
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Leaders
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Our partners

A-rated carriers. Zero compromises.

Every carrier in the FLOW network holds an A or A+ rating from AM Best — so your clients are always protected by the best in the business.
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What people are saying.

Every success story begins with trust. Discover what our agents, partners, and clients have to say about working with FLOW — where technology meets opportunity.
Record Growth
“FLOW gave me the platform, the leads, and the mentorship to grow faster than I ever imagined. In just 16 months, I built a $2.1 million business serving families nationwide. None of this would have been possible without FLOW’s system.”
— Lorena Peña
Leadership Success
“With FLOW’s unlimited leads and multicultural reach, my team exploded. In only 18 months, we built a $7 million business. The combination of technology, support, and compensation here is unmatched.”
— Karelin Marte
Fast Start Team Builder
“I’ve been in the business before, but never seen growth like this. By my 9th month with FLOW, my team was already producing $1 million a month. The momentum is real here.”
— Alessio Tomasoni
Passive Income Builder
“FLOW isn’t just about sales — it’s about legacy. In my first full year, I created over $130,000 in passive income from my team. That’s freedom, and it’s only the beginning.”
— Pascual Gonzalez
New Agent Breakthrough
“I started with FLOW using their Spanish IUL leads, and in just my 3rd month, I personally sold over $105,000. The system works, the leads are real, and the opportunity is life-changing.”
— Veronica Tito
    Ready to start?

    Your license.
    Your market.
    Your NMO.

    Whether you're getting licensed for the first time or moving an established book of business — FLOW was built for you.
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