24+ years of boots-on-the-ground experience in insurance product development and agency scaling — partnering with carriers across North America, Europe, and Asia-Pacific.
Most carriers developing or restructuring a final expense product bring in a director with a strong resume. What they lack is field experience — the kind you only get from writing thousands of policies, managing hundreds of agents, and watching products succeed and fail from the inside.
The result? Products that launch with the wrong underwriting, billing structures that create agent chargeback debt, commission models that push top talent out the door, and platforms that agents refuse to use.
These are not strategy problems. They are field problems. And the only way to solve a field problem is to bring in someone who has lived it.
/ That's why we exist.
North American Senior Benefits (NASB), the agency Brian and William built within, is one of the most successful Independent Marketing Organizations in the country — part of Integrity Marketing Group, a network of 300+ IMOs. There are fewer than 20 full partners across 5,000+ agents. Brian and William are both among them.
Both founders began as field agents. They have held every role in this system — agent, manager, regional leader, associate partner, full partner — and they still field-train agents today. That path is not a footnote. It is the entire reason our advice works.
17 years in the industry. Expert in agent onboarding, SOPs, agency scaling, and leadership development. Has helped develop multiple full partners from the agent level.
Youngest and fastest partner ever elevated at NASB. Started as a field agent. Built one of the top-producing agencies in the country. Leads organizational strategy and carrier relationships.
Brings institutional financial expertise to carrier engagements. Ensures that every consulting engagement is structured for measurable, sustainable profitability.
These are not hypothetical case studies. These are outcomes we were directly involved in.
Transamerica had not held a meaningful position in the final expense market for years. ICG worked alongside their team on underwriting guidelines, the e-application process, commission structure, billing, and the agent-facing technology platform.
The Express Product is now the top final expense product in the industry. Transamerica went from marginal player to market leader.
Prudential sought advice on a new final expense product ahead of launch. ICG identified critical flaws that would have created agent debt, low placement rates, and rapid product abandonment.
Prudential returned to development. A premature launch would have cost the company significantly — in agent trust, in carrier reputation, and in direct financial losses.
Consulted on debt management strategy, product pricing, and underwriting structure.
The redesigned product was an instant success from launch.
ICG identified serious operational flaws in an existing final expense product line and provided a clear corrective plan. The advice was not implemented.
Significant revenue loss. Product failure. Major agent debt. Collapse of agent retention. The product line no longer exists.
"Big doors swing on small hinges. A billing structure, an underwriting question, a commission tier — things that seem minor destroy products and careers when they're wrong. We know which hinges matter."
/ Industry: U.S. Life Insurance (Life Only). NASB: YoY production growth.
/ Source: Glassdoor
These numbers are the direct result of a duplicatable system — one that takes agents who were unsuccessful elsewhere and turns them into six-figure earners. Consistently. Across every market we operate in. That system is what we bring to your product.
Three interconnected pillars. We look at all three — because a great product with a broken sales force still fails, and a great sales force with a broken product churns.
We work directly with your leadership team through structured weekly sessions. High-level strategic decisions — the small hinges — are ours. Execution is carried out in alignment with your internal team. We are the guardrails that make sure everything is built right.
When you need surgery, you do not go to a general practitioner. The most respected consulting firms are filled with brilliant analysts who have never sat across a kitchen table from a client, explained a chargeback to an agent, or watched a product collapse in the field because one billing assumption was wrong.
We have. Combined, Brian and William have nearly 24 years doing exactly this.
We identify the real problem in the first few conversations — not after months of discovery.
Based on what has actually worked at scale, not theoretical frameworks.
Every recommendation considers how it will be received by agents in the field.
We have operated as agents, managers, regional leaders, and partners.
The only consulting group in this space that has been #1 with multiple multi-billion dollar carriers simultaneously — because our system produces better results per agent than anyone else in the country.
Whether you're launching something new or trying to fix what you have, the path forward starts with a conversation.