Brightway Insurance

About Brightway Insurance

Build a Business That Grows While You Do

Brightway is a technology-enabled insurance distribution platform — the 2nd largest agency franchise network in the country with over $1.6 billion in annual written premium.

The model is straightforward: you sell and we help service the insurance policies franchisee agency owner write. Your time goes toward the only activity that generates new revenue.

The Brightway Promise

Grow Faster Here Than Anywhere Else.

That's not a tagline — it's the operating principle behind every decision we make. The way Nike built its brand around making athletes better, Brightway is built around making agency owners more successful. Everything we invest in — technology, servicing, training, carrier access — exists for one reason: to remove the obstacles between you and growth.

What that looks like in practice:

• A curated brand that sells for you. We help you build a reputable local brand and keep clients engaged through consistent communication and strategic cross-selling. One policy becomes three — without requiring your personal attention to service. With a 4.9-star average Google rating and over 15,000 5-star Google reviews, the brand trust continues to be built by successful owners.
• Carrier access you can't get alone. Our dedicated Carrier Relations team opens doors to markets independent agents can't reach on their own. More insurance brands you’re able to quote from means more competitive quotes, broader coverage, and higher client retention.
• Technology built by agents, for agents. Brightway Fusion — our proprietary all-in-one platform — is equal parts CRM, sales pipeline, and growth engine. Co-created with agency owners to write policies faster, track your sales pipeline, and quickly understand the KPIs that are driving your business.
• A service center that frees you to sell. Our Engagement Center handles client service and retention through licensed advisers and AI-powered support. Your clients get the attention they expect. You get your time back.
• A network of the best in the business. 350+ agency owners — many among the highest-producing independent agents in the country. People who have figured out what works and share it openly. This isn't a franchise where you figure it out alone.
  • In 2025, agencies with a team of three fulltime sales producers averaged $620,172 in gross commission revenue. Agencies with five or more producers averaged $1,739,710. You earn 80-85% of commissions on new business and 50% of recurring, renewal policies.

Franchise Unit Trends and Revenue

• Total agencies: 351 (as of December 31, 2025)
• New units opened:  14 franchise units in 2025
• 61 full-time producers generated over $1 million in new business annualized premium in 2025
• 14 producers generated over $2 million in new business annualized premium in 2025

Source: 2026 FDD Item 19, Table 2. Individual results will vary.

1. This representation can be found in Table 1-A of Item 19 of Brightway Insurance LLC’s Franchise Disclosure Document issued on April 30, 2026 (the “2026 FDD”), which reflects gross commissions generated during the 2025 calendar year by the 43 Brightway Locations with 3 producers and the 35 Brightway Locations with 5 or more Producers, which had at least one full calendar year of operations as of 12/31/25. This reflects gross commissions generated by a Brightway Location before Brightway retains its applicable percentage of New and Renewal Business Commissions (see Item 6 of the 2026 FDD). Brightway considers a Location to be fully staffed once it has at least three Producers. Some Agency Owners have earned the above amounts. Your individual results may differ. There is no assurance that you will earn as much.
2. This representation can be found in Table 2 of Item 19 of Brightway Insurance LLC’s 2026 FDD, which reflects the production of full-time Producers of any Brightway Location that was open and operating during the 2025 calendar year and which employed at least one full-time Producer, defined as a Producer who sold a minimum of 50 policies in 2025. A total of 409 full-time Producers are included. Of these, 61 generated more than $1 million in New Business Annualized Premium, including 14 who generated more than $2 million. New Business Annualized Premium is defined as the amount of premium customers pay for a new policy in one year; if a policy is issued in a six-month term, the premium amount is doubled. Some producers have earned the above amounts. Your individual results may differ.

A Business Designed to Scale - Not Stall

History

Brightway launched in 2008 with one idea: let agents sell and handle everything else for them. Founded by brothers David and Michael Miller in Jacksonville, Florida, the company was built on a vision of people helping people.

Seventeen years later, 350+ agencies write over $1.6 billion in annualized premium. In late 2025, Brightway acquired GlobalGreen Insurance Agency, expanding into new U.S. markets and becoming the 2nd largest agency franchise network in the country.

Most insurance agencies are built around one person who does everything. That model has a low ceiling, and it gets lower as the book grows. Brightway is built differently. When you open a Brightway franchise, you get a structure where economics improve as you scale — not the other way around.

Brightway is proud to be continually awarded by the industry and reputable media outlets such as Insurance Journal, Entrepreneur, Franchise Times, and Franchise Gator for excellence in franchising.

Performance-Based Tiering

Brightway rewards growth, not just tenure. Agencies are tiered quarterly based on real performance metrics — producer count, policies-in-force growth, premium growth, new business volume, and more. Hit the benchmarks and your status rises:

• Preferred Agency: Gain access to additional tools and resources to optimize productivity and build your operational structure.
• Elite Agency: Access premium tools, resources, and exclusive opportunities for accelerated growth.

Starting Costs and Investment

• Total Investment: $43,425 to $186,900
• Franchise Fee: $25,000
• Financing: Available — including deferred payments (no payments Year 1, then $416.67/month for 60 months), a zero-interest prepay option, and franchise fee forgiveness for owners who hit key first-year goals.
• Multi-unit: Available

Training and Support

A Growth System, Not a One-Time Orientation

Brightway's Learning & Development team works with you and your producers from Day 1 — and doesn't stop. This isn't a binder and a handshake. It's a structured, ongoing system designed to compress the learning curve and accelerate results.

What you get:

• Agency Fast Track Program: Designed for new owners who demonstrate strong execution early. Hit key performance milestones in your first three months and receive enhanced access, coaching, and community support through your entire first year. Fast Track builds elite habits early — it's the launchpad for future Preferred and Elite agencies.
• Regional Sales Managers: Dedicated field leaders assigned to your agency who provide hands-on coaching, accountability, and strategic guidance. They know your market, your numbers, and your goals.
• Regional Live Meetings: In-person gatherings with fellow owners in your area and invitation only Elite Academies to share strategies, build relationships, and learn from top performers. Think of our community as a mastermind group ready to help you grow faster.
• Ongoing coaching and training: Growth strategy sessions, referral-building workshops, high-volume sales execution training, and tech training to make sure you're using Fusion to its full potential.
• Marketing and lead generation support: Your own website built to be found locally. Social media guidance, promotional materials, cross-sell campaigns and referral tools to help build your own lead pipeline.
• Mergers & Acquisitions — We help current Brightway franchise owners identify, evaluate, and acquire other agencies — inside or outside the network — to accelerate growth beyond organic production alone.

This is rare in franchising. Most franchise systems don't offer acquisition infrastructure. Brightway does — because building enterprise value is the goal, not just annual income.

Sales Producer Recruitment

Build Your Team Faster — With Brightway's Help

Scaling an agency means scaling a sales team. That's the hardest part of the business, and Brightway solves it for you.

Our Producer Recruitment Program provides a dedicated in-house recruiting team that sources, screens, and helps onboard producers aligned to your agency's profile and goals — at no cost to you. Once they're hired, Brightway's L&D team delivers targeted post-hire sales training and development so your new producers ramp faster.

This isn't a job board. It's a systematic approach to helping you build a sales organization.

Ideal Candidate

Who Thrives at Brightway

The people who do best here share a few things in common: they're relationship builders and readily lead teams for success — not just work a book.

Brightway agency owners are driven entrepreneurs with a background in sales, P&C insurance, or business development who are ready to build something of their own. They're coachable, community-minded, and motivated by both financial independence and the desire to create a lasting legacy. The best-fit owners combine an ownership mindset with the discipline to follow a proven system — and a genuine passion for helping clients protect what matters most.

What we're looking for:

• Sales or leadership background — in insurance or outside of it
• Ready to hire and build a team from the start
• Long-term view: building enterprise value, not just annual income
• Comfortable investing $50,000-$100,000 depending on background experience at launch

Franchisee Testimonials

“By converting my independent agency to a Brightway Agency, I was able to give customers the impressive choice in carriers that Brightway offers. Even better, my existing customers get great service that is focused on keeping them happy and retaining their business, which lets me spend more time growing my business.”
— Jim Pihl, Owner of Brightway, The Pihl Agency

“I’m so grateful to be part of an organization that cares so deeply about our success and proactively works with us to find ways to better serve our clients."
— Joseph Janicki, Owner of Brightway, The Janicki Agency

“Brightway is investing a lot into technology and really listening and learning to agency owners on what we are needing and what we believe can help us make our business run more efficiently and help us grow faster.”
— Ronnie Oats, Co-Owner of Brightway, The Oats Agency

“Brightway delivers the support that allowed me to move to a new community and start an insurance agency from scratch.”
— Dimitri Apostle, Owner of Brightway, The Dimitri Apostle Agency