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.
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. 😊
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.