Win the client. We handle carriers, quoting, compliance, and binding. You keep the commission — year after year.
Alvara is the independent brokerage that gives you carrier appointments, AI-native quoting, and an 80% commission split — so you stop giving away the revenue you already earn.
Producers from State Farm, Allstate, Compass, Keller Williams, Rocket Mortgage, and Northwestern Mutual are building on Alvara.
The problem
The commission is there. You're just not capturing it.
Captive Agents
You built a book that isn't yours. Alvara gives you the tools to build one that is.
See the comparisonReal Estate Agents
Every closing, you watch the homeowners commission go to someone else.
See the mathMortgage Brokers
You're the first to know when a buyer needs insurance. You should be the first to write it.
See the opportunityHow it works
From zero to writing policies in under two weeks.
01
Get licensed
Already have a P&C license? Skip this step. If not, our onboarding co-pilot walks you through the 40-hour course and state exam.
02
Get appointed
We handle carrier appointments. You'll have access to 40+ carriers within 7 days of submitting your license.
03
Quote and bind
Use our AI-native quoting tool to compare rates across carriers in seconds. Bind policies directly from your dashboard.
04
Keep 80%
You keep 80% of every commission, from day one. No production minimums. No ramp-up. Renewals compound year after year.
The math
Stop giving away the commission.
Renewals stack. The policies you write this year pay you again next year, and the year after that. Here's what that looks like.
30 closings per year
Year 1 Income
$5,616
Year 5 (with renewals)
$28,080
From policies written in year 1 alone
What you get
Everything you need to run an independent book.
Comparative quoting across 40+ carriers
Enter client details once. Get quotes from every carrier we represent in seconds, ranked by price and coverage fit.
Automated compliance and CE tracking
License renewals, continuing education, carrier compliance — we track it all so you don't have to think about it.
Producer dashboard
Track your active policies, pending renewals, commission payouts, and book growth from a single view. No spreadsheets.
Onboarding co-pilot
New to insurance? Our guided onboarding walks you through licensing, appointments, and writing your first policy step by step.
Who we are
Built by people who think insurance distribution is broken.
Alvara was founded with a simple observation: millions of professionals — real estate agents, mortgage brokers, financial advisors — already have the client relationships and trust to sell insurance. They just don't have the infrastructure.
The traditional model forces you to choose between captive carriers that limit your options or agency networks that take too much of your commission. Alvara is the third option: a modern brokerage built for producers who want ownership, choice, and fair economics.
We work with 40+ carriers across NJ and NY, and we're expanding.
40+ carriers and growing
Common questions
Your book. Your business. Built for you.
Join the producers building independent books on Alvara. We'll walk you through licensing, appointments, and your first policy — no matter where you're starting from.
- ✓80% commission split from day one
- ✓40+ carrier appointments in 7 days
- ✓You own your book, always