The Independence You Want. The Support You Need. •Carrier Access.
Day 1
•All The Tools You Need. •No Forced Contract Changes. •No Hidden Fees or Buyouts. •A Partner With Over 25 Years of Proven Success.
TWFG Provides What You Need To Be Profitable • 300+ National, Regional, Local and Specialty Carriers for Personal, Commercial, Life, Annuities and Long-Term Care (some carrier appointments vary state-by-state, and agent-by-agent based on market appetite and agent qualifications)
– High Closing Ratios – Licensed in All 50 States •TWFG Commissions Range from 10% – 16% (set by carrier) – 10–16% New and Renewal – 95%+ Life and Annuities – Commissions Paid Twice a Month (monthly detailed commission report) – Commissions Never Lowered by TWFG •No Forced Contract Changes •No TWFG Production Requirements •Access to Premium Book Purchases — Access to Financing and TWFG 20% Buy‑In •100% Client Relationship — You Are in Control of Your Book •Master E&O Policy with Enterprise Level Rates •Co-Op Reimbursement Allowance to Offset Marketing Expenses
Exclusive Independent Branch Opportunity twfg.com/freedom
TWFG Exclusive Independent Agent Opportunity •Annual National Convention – 65+ Financial and Carrier Partners Each Year •Complimentary Memberships to the “Big I” or “PIA” •Million Dollar Club •President’s Club •Chairman’s Circle •TWFG Incentive Trips •Equity Interest in Your Book of Business •Strong Culture of Family
TWFG Delivers Comprehensive Technology •TWFG Provides Proprietary State-of-the-Art Agency Management System – I ntegrated CRM with the ability to send new client welcome emails, cross-sell emails, birthday wishes and more – T exting and email functionality – P olicy coverage screens – E mbedded personal lines quoting and integration with comparative raters – I ntegration with Semsee commercial insurance rater – A bility to handle multiple producer commission splits – P olicy and commission downloads – C lient Mobile App allowing self-service — ID cards, dec pages, agent notifications, and text messaging capabilities – I ntegration with a payment processor to take client payments via ACH or credit card – R obust servicing and renewal reports – Bot integration to requote home and auto renewals automatically (coming soon)
#8 * Rankings of Independent, Privately-owned Agencies
Personal Lines National
#26
All Lines National
Exclusive Independent Branch Opportunity twfg.com/freedom
Comprehensive Technology continued: •EZLynx (Comparative Rater) •DocuSign
TWFG Provides the Tools, Materials & Support • Daily Carrier Downloads •Producer Commission Statements •Agency Bill Processing and Reconciliation •Carrier Licensing and Contracting •Strategic, Creative Advertising Support, and Branding •Customized Marketing Tools for Print, Social Media, Email, and Special Events • TWFG Business “Agency-in-a-Box” — Business Cards, Digital Signature, Letterhead, Marketing Collateral, Agent Website, Branded Merchandise, Wall Plaque • Mobile-optimized Agency Website with Links to Get a Quote, File Carrier Claims and Carrier Bill Pay •Nationally Recognized Branding and Exposure in Various Publications •TWFG and Agency Branded Store and Merchandise • Zywave — Compliant Insurance Industry Content to Service and Market to Clients and Prospects • InsuredMine — All-In-One Insurance Customer Relationship Marketing Platform integrated with eVo.
Exclusive Independent Branch Opportunity twfg.com/freedom
“Agency-in-a-Box” Digital Email Signature Custom Logos
HIND KHALDI INSURANCE
Agency Website
Agent Portal
TWFG Mobile App
Business Cards, Digital Letterhead
TWFG Swag
Exclusive Independent Branch Opportunity twfg.com/freedom
TWFG Provides Ongoing Professional Training •4‑Day Extensive Training and Onboarding at Our Home Office •Ongoing Training for Agency Principal and Licensed Staff •Dedicated Account Executive to Ensure You Have Support When Needed •Complimentary Web CE for Agency Principals and Regional Meetings •Access to Agent Portal with Training Video Library
TWFG Market Access & Inside Sales Support • Commercial Market Access Gives You Immediate Access to Carriers — DAY ONE — No Volume Required •Team of Licensed Agents on Staff Ready to Help and Provide Support •Temporary Service Center Available for Qualifying Life Events
TWFG Perpetuation/Succession Planning • Transfer Agency Ownership to Family or Staff •Sell Agency to Family or Staff •Sell to Another TWFG Agent
Exclusive Independent Branch Opportunity twfg.com/freedom
•TWFG is Licensed in All 50 States
WA MT
ME
ND
OR ID
CA
AZ
NY
IA
KS OK
NM
TX
CT
PA
IL
CO
MA
MI
NE UT
NH
WI
SD
WY NV
VT
MN
IN
MO
OH
MD
WV
NJ DE
VA
KY
NC
TN
SC
AR LA
RI
MS
AL
GA
AK
FL HI
TWFG Branch
TWFG Branch & TWFG MGA
TWFG MGA
Future TWFG Expansion
25+ Year Track Record of Sustainable Growth
Who We Are
We are a leading, high-growth, independent distribution platform for personal and commercial insurance in the U.S.
What We Do
We pioneered a distribution model that is geared toward flexibility and efficiency, with the needs of agencies at its core
Market Leader with a Rich Heritage and a Scaled, National Platform
TWFG Branch & TWFG MGA
7th
25
Largest U.S. Personal Lines Agency (1)
Years of Operating History
TWFG MGA
Future TWFG Expansion
554
TWFG Branches in 35 States & D.C.(3)
How We Do It
We provide agencies with resources, technology, training, and insurance carrier access to succeed in an increasingly complex market
26th
$1,939MM+
Largest Agency Across All Lines (1)
Total Written Premium (2)
Why We Are Different
Developed by agents, for agents – we offer a distinctive level of autonomy, and entrepreneurial opportunity and equity ownership to our agencies
Notes: 1. Rankings based on revenue per Insurance Journal’s 2025 Top 100 Property / Casualty Agencies 2. As of June 30, 2026 3. TTM as of June 30, 2026 - Results are unaudited
3,000+
TWFG MGA Agencies in 43 States (3)
Exclusive Independent Branch Opportunity twfg.com/freedom
300+ National, Regional and Specialty Carriers, including: (some carrier appointments vary state-by-state, and agent-by-agent based on market appetite and agent qualifications)
Exclusive Independent Branch Opportunity twfg.com/freedom
Testimonials
Exclusive Independent Branch Opportunity twfg.com/freedom
Why TWFG?
Our Agents say it the best
TWFG Insurance National Agent Convention Video
Get a peek into our strong family culture at the TWFG National Agent Convention
Exclusive Independent Branch Opportunity twfg.com/freedom
Frequently Asked Questions
Exclusive Independent Branch Opportunity twfg.com/freedom
Frequently Asked Questions
TWFG Agent Newsletter Click a cover to read our TWFG Agent Newsletters
The Independence You Want. The Support You Need.
Thank you for taking a moment to look into TWFG Insurance and our Exclusive Branch Opportunity. TWFG was founded 25 years ago by agents to help other agents successfully transition to independence, and there are now thousands of passionate insurance professionals we are proud to call the TWFG Family. Our primary value is Integrity, and we always strive to do what is right for our customers, our agents, and our carrier partners. We believe in transparency and fairness, and we are deeply committed to providing all the tools our agents need to be phenomenally successfully. We look forward to discussing further what you want to create for you and your agency’s future.
Thank you, Gordy Bunch Founder and CEO — TWFG Insurance