The #1 Insurtech IMO for Multinational, Multicultural Leaders

Founded in January 2024, FLOW has already shattered industry records — surpassing $17.3M in issued-paid premium within 15 months, reaching $1M/month in just 9 months, and becoming the most featured IMO on Times Square, NYC.

What sets FLOW apart is our foundation of innovation, culture, and scalability.

We partner with A+ rated carriers and leverage advanced insurtech. Our AI-driven underwriting engines provide instant approvals and commissions that can be paid in as little as 48 hours. We also offer the highest non-medical limits for non-U.S. citizens, with up to $3 million available for IUL, Term, and Whole Life, regardless of immigration status.

FLOW is the only IMO delivering unlimited Term, IUL, WL, and Final Expense leads in more than 13 languages, including exclusive IUL live transfers in Spanish and Portuguese. With 95% of our leaders and agents being multinational, foreign-born professionals, we are proud to be the platform where they achieve their “American Dream.”

Our compensation model is unmatched: contracts from 60% to 130%, overrides up to 60%, eight-level generational bonuses, and builder payouts reaching 180%. Agents own their book of business from day one, keep their commissions directly from carriers, and have access to FLOW’s Legacy Equity Program (LEP) with Transfer and Buyout clauses.

Beyond business, we focus on recognition and brand elevation. FLOW agents and leaders have been featured on Univision, in the Wall Street Select Journal, and on national billboards in Times Square.

At FLOW, you don’t just sell insurance. You own your business, your future, and the opportunity to build and scale globally.

FLOW International

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