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  • How should I think about what Brightway offers me and my family?

    Brightway is a business opportunity that empowers you to reach your potential, build wealth, help people and build a legacy. The entire system is designed to produce win-win-win outcomes for you, your family and your customers. 

  • How easy is it to be successful with Brightway?

    We think it’s really easy because, as a Brightway Agency Owner, you enjoy a comprehensive system of support that lets you focus on new business sales. Everything else—from Accounting to data analytics to Customer Service to Marketing and more—is handled for you by 250+ Home Office employees whose interests are in complete alignment with yours. We succeed only when you succeed. 

  • I’ve never heard of a franchise opportunity where the franchisor’s interests are aligned with a franchisee. How can it be?

    That’s simple: When David and Michael Miller came up with this concept, they knew it would be easier to ask Agency Owners to do things that were good for them and their families rather than asking them to do things that weren’t in their best interest.


    That’s the alignment the entire Brightway model is built on—we only do things that are good for our franchisees and good for us.


    As a franchisor, is it good for us to profit at our franchisee’s expense? No. That’s why we don’t.


    The items we specify for your office—furniture, fixtures, computers, telephony—are all passed through to you at our cost; there is no mark-up.


    Your ongoing systems access cost, and other ancillary costs, are all passed through to you at our cost; there is no mark-up.


    The benefits of this are obvious: We use our buying power to negotiate deals you may not otherwise have access to and you receive the goods and materials at our cost—there is never a mark-up.

  • What do you mean when you say your franchisee’s success is your success?

    We mean that Brightway, as an entity, does not grow unless our Agency Owners’ stores grow. This means that we have every incentive in the world to do everything we can to help you grow. 

  • How do you think about the commission split?

    We pay you 85 percent of the commission on new business and 55 percent on renewal business.


    This means, as a new Agency Owner, you’re maximizing your cash flow as you build your business. After you put the business on the books, all of the servicing of it is the responsibility of Brightway’s Home Office. When the policy comes up for renewal, we have a sophisticated, segmented approach to ensuring the renewal happens—and you get paid your residual income. The result is industry-leading retention rates and more money in your pocket. 

  • How choosy are you about who becomes a Brightway Agency Owner?



    With some franchises, if you show up with money, you’re in. This is not the case with Brightway.


    You’ve undoubtedly noticed that our franchise fee is relatively low. The reason is we want you to have some skin in the game, and we really want you investing in hiring Producers who will help you build your business as quickly as possible.


    The franchise fee does not come close to covering the initial investment we make in you in terms of onboarding, training, marketing planning, systems set up, etc. This is because we know that if we select the right business partners—the ones who want to aggressively grow their business to turn it into an asset that works for them—we all win. This is why we are so selective about who joins the Brightway system.


    Is it easy to take a lot of people’s money and have a system of stores that don’t grow with Agency Owners that don’t achieve their personal potential? Yes and that’s why we don’t do that.


    Instead, we are highly selective in who we partner with, conducting a thorough vetting process before an offer to attend a Day of Discovery is even extended. If you are chosen to attend a Day of Discovery, think of it as an interview. You’ll meet with our Leadership Team and others who will ask you about your motivations, your plans and your dreams as we share the tools and processes we have in place to help you achieve those dreams.


    Following our in-person meeting with you, we make a decision about whether you are someone in whom we want to invest by making you an Agency Owner.


    This is why only 7 out of every 100 candidates who are financially qualified become Agency Owners in the Brightway system. 

  • Do I need an insurance background to be successful at Brightway?

    No. In fact, most of our newest Agency Owners have no insurance background and are on track to being very successful. 


  • What’s the adjective you’d use to describe my Brightway Agency Owner experience?



    This system provides you with everything you need to run a high-powered sales team focused on selling new business and making a difference in your community.


    You are empowered to make your dreams come true and to make your employees’ dreams come true as you promote them through your agency and make your top-performing Producers managers of your second, third and fourth Brightway locations.


    You are also empowered to help your friends, family and those in your community enjoy the peace of mind that comes with knowing that everything they’ve worked hard to earn—and everything they ever will earn—is protected. 

  • Tell me about my second Brightway location.

    That’s easy. Once you’ve been successful at your first, you pick where you’d like to open your second location. Some have chosen another location five miles from their first while others have chosen them in other states across the country.


    We defer the franchise fee on your second location—again, to maximize your cash flow. And, if you meet certain reasonable production goals in your second location, we waive 100 percent of the fee.


    Your second location enjoys the same business-building tools as your first as we help you develop referral sources in the market and get your new location up and running.

  • What’s the rationale behind the different franchise fee?

    We base franchise fees on how mature of a Brightway market it is. Florida, for instance, is a very mature Brightway market, so we charge $60,000.


    We’re growing fast outside of Florida—in fact, we’ve sold stores in 16 other states now—our franchise fee outside of Florida is $50,000. And, if we accept you as a business partner and you want to open a store in a brand-new state for us, you’ll receive a $5,000 incentive for doing that. Again, this is to maximize your cash flow and to help you make marketing investments in that state that will help you grow.

  • What am I getting for the franchise fee?

    The franchise fee, either $50,000 or $60,000 depending on your market, is the amount you pay to join a proven system in which we have invested tens of millions of dollars over a decade.  The success of the system is unquestionable and well documented, and we continually invest in it to produce even greater outcomes for Agency Owners. 


    While Brightway invests in you throughout your career with us, your franchise fee also helps to offset the initial investment we make in setting you up for success; this is a $95,000 investment we make in you in terms of time and resources. 

  • What other money will I need?

    In addition to the franchise fee, an Agency Owner should have at least another $20,000-$30,000 to cover your office build out. And of course, you should plan for additional working capital to cover your first year expenses.

    We will work with you on building a business plan that fits your needs and cash flow, which is just one of the ways we work with you every step of the way to ensure your success. 

  • Tell me about the contract length and what happens when I want to renew.

    Our contract is a five-year term. After the five years, you have the opportunity to renew at no cost. 

  • Do people ever leave the system? How?

    We know life happens. Yes, sometimes people leave the system. We make it easy for them to do that. You can gift your agency or sell it. And, if you don’t want to do either of those things, we offer you a guaranteed buy out.