Advisor & Agent Partnership Program
Grow Your Practice with Life Insurance in Retirement Planning
Emparion equips financial advisors and tax agents with the expertise, tools, and carrier infrastructure to confidently integrate permanent life insurance strategies into clients’ retirement plans — while you earn a flat 80% commission on every case, every time.
Key Highlights
- 80% Flat Advisor Commission — Every Case
- 100% Case Management by Emparion
- No Insurance License Required for Advisors
- $0 Cost to Join Program
The Partnership Model
Emparion functions as your behind-the-scenes insurance specialist. You bring the client relationship — we bring the insurance expertise, carrier relationships, and full case management infrastructure.
Step 1: You Identify the Opportunity
Recognize gaps that life insurance can fill such as tax-free income, legacy planning, long-term care, or supplemental income.
Step 2: Emparion Runs the Case
We handle carrier selection, illustrations, underwriting, applications, and policy delivery.
Step 3: You Earn & Retain the Relationship
You receive 80% commission while maintaining full ownership of the client relationship.
Our Strategies
At Emparion, we work on the following strategies:
Cash Balance Plan with Life Insurance
Premiums are paid with pre-tax employer contributions, converting dollars that would otherwise face current taxation directly into permanent coverage. Cash balance contribution limits scale with age and can reach $300K-plus for older owners.
Profit-Sharing Plan with Life Insurance
Premiums are funded from deductible employer contributions, providing the same pre-tax funding advantage in a simpler, discretionary-contribution structure. The “seasoned money” rule allows plans to escape the incidental benefit percentage caps.
Life Insurance With IRA Funds
IRA rollovers into the profit-sharing plan are treated as already seasoned on arrival, opening a path to convert retirement dollars into deductible insurance funding for self-employed and small-business owners.
Private Placement Life Insurance (PPLI)
Investment growth is tax-deferred inside the policy and tax-free at death, which is especially valuable for tax-inefficient strategies like hedge funds, private credit, and other alternatives.
Section 105 Plan for LTC premiums
Particularly powerful for owner-employees of closely held C-corps and sole proprietors who want tax deductible LTC coverage. Reimbursements come out of the corporation as a deductible business expense and are received tax-free by the covered employee, producing a clean two-sided tax benefit.
Life Insurance in a Money Purchase Plan
A Money Purchase Plan is technically a defined contribution plan, but it qualifies as a pension as a result of the fixed contributions. As such, it can be funded with life insurance subject to the incidental benefit rules.
What Emparion Provides
- Retirement Income Analysis & Strategy Design
- Carrier Selection & Product Illustration
- Client Presentation Support
- Application & Underwriting Management
- Compliance & Licensing Infrastructure
- Advisor Education & Training
- In-Force Policy Service & Annual Reviews
- Commission Tracking & Transparent Reporting
Commission Structure
A simple, flat 80/20 split — every case, every time. You keep 80% of all commissions, while Emparion retains 20% to cover support and infrastructure.
Program Details
- First-Year & Renewal Commissions apply for the life of the policy
- No Minimum Volume Required
- No Fees to Join
- No Insurance License Needed
- Transparent Commission Statements
- Enterprise & Firm Arrangements available
Getting Started
- Introductory Call
- Referral Agreement
- First Case Submission
- Policy Placed & Paid
Ready to Get Started?
No upfront cost. No minimum volume. Schedule a partnership call to begin.