Retail Agency Program
Exit 1 · Build from the ground up
The Retail Program is our flagship path to ownership — launch your own agency with the full power of an established national brand behind you and earn competitive bonuses from your very first policy.
Built from the official 2026 Retail Bonus Program. Slide the two numbers below and watch your projection update.
| Quarter | Commissions | Bonus | Total |
|---|
* Projections use the official 2026 Retail Bonus Program bonus percentages (340% in Q1, stepping down over 12 quarters), a 10.5% new business commission rate, and 15% quarterly growth in new business. Every agent starts Q1 at 340%. Tier placement from Q2 onward depends on meeting quarterly new business and Life targets, having 2 licensed staff, and an approved office. New Agent Bonuses are capped at $3,500,000 over 36 months. Programs not available in all states. Actual results will vary.
You simply show $100,000 in accessible funds — you keep every dollar. Bank statements are used to verify, not as a deposit.
You only need a Property & Casualty or Life & Health license to get started as a Reserve Agent. You'll need both to transition to full-time agency ownership — resources are available to help you get there. Not licensed yet? Start with our Texas P&C license guide.
You'll establish a professional storefront in your community. Full brand standards, signage support, and co-op marketing are provided.
Earn accelerated bonuses on top of base commissions when you hit monthly and annual production milestones. The faster you grow, the more you make.
Unlike a franchise fee, the $100K liquid capital requirement is simply shown as proof of financial stability. It stays in your account — you use it to run your business on your own terms.
D21 Texas Recruiting & Development is the North Texas recruiting and development district for a national personal-lines insurance carrier with more than 90 years of history, over 19 million customers, and more than 48,000 agency owners across the United States. Agency owners in this district operate under the Retail, Acquisition, Protégé, and Associate Agent programs, complete the carrier's new-agent training curriculum, and are supported by District Managers and Agency Business Consultants.
You need to show $100,000 in liquid capital. You do not spend it or hand it over — bank statements are used to verify financial fitness, and the money stays in your account to run your business. Beyond that, plan for normal startup costs like your office space, signage, and early staffing.
No. Unlike a franchise fee, the liquid capital requirement is proof of stability, not a payment. Every dollar remains yours.
You need either a Property & Casualty license or a Life & Health license to begin as a Reserve Agent. Both are required to transition into full-time agency ownership, and the district provides resources to help you get the second one. Not licensed yet? Our Texas P&C license guide walks you through every step.
We recruit and support agency owners across the DFW Metroplex — including Dallas, Fort Worth, Plano, Frisco, Arlington, Irving, McKinney, Denton, Richardson, and the surrounding North Texas communities. Your office location is selected with your District Manager based on where the opportunity is strongest.
Yes. Retail agency owners establish a professional storefront in their community. Brand standards, signage support, and co-op marketing are provided to help you set it up correctly.
New business bonuses run on a declining scale across your first 12 quarters, starting at the highest tier and stepping down as your renewal base grows. Tier placement from the second quarter onward depends on hitting quarterly new business commission and Life production targets, staffing, and an approved office. Use the calculator above to model your own numbers.
Fill out the form below and our D21 recruiting team will reach out to discuss the Retail Program with you in detail.