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
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.
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.
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.