LICENSED AGENT REFERRAL PROGRAM
Get paid for the DI business you can't write.
If a client asks you about disability insurance and it’s outside your specialty, don’t leave money on the table. Refer them to DDQ — a DI specialist serving physicians, engineers, lawyers, and other white-collar professionals — and earn referral compensation on every placed policy.
Big 5
DI CARRIERS
45+
YEARS IN BUSINESS
$0
FEES, EVER
Independent
BROKER
REFERRAL IN ACTION
💰 You earn referral compensation. No DI appointments needed. No underwriting. No servicing.
WHO THIS IS FOR
If you're an insurance agent, but don't specialize in DI — this program is for you.
Any licensed insurance agent who encounters clients asking about disability coverage but doesn’t write DI themselves is leaving referral compensation on the table.
P&C Agents
Your clients have income to protect — they just haven’t been asked about it yet.
Life Agents
You’re already having the protection conversation — DI is the natural next step.
Health Agents
Clients focused on health coverage often have significant DI gaps they don’t know about.
Medicare Agents
Pre-65 clients and physician clients approaching retirement are ideal DI referral candidates.
Group Benefits Agents
Group DI rarely covers enough — individual supplemental coverage is an easy referral conversation.
Multiline Agents
You see the full client picture. You know who has gaps. Let us fill the ones you can’t.
A common scenario
This happens more than you’d think.
A client asks their P&C agent about disability insurance during an annual review
The agent isn’t appointed with DI carriers and doesn’t specialize in disability insurance
Instead of losing the conversation, the agent refers to DDQ — takes 2 minutes
DDQ contacts the client, runs quotes across the Big 5 carriers, and places the policy
The referring agent earns referral compensation — without touching the underwriting
The result: Your client is protected, your relationship is stronger, and you earned compensation on business you couldn’t have written anyway.
PROCESS
Simple referral. Real compensation.
No complex agreements. No DI appointments required. Just refer and we handle everything.
Join the Program
Complete a quick application. We confirm your referral agreement within 1 business day.
Send a Referral
Submit a client’s basic info via your referral link or email. Takes 2 minutes. No DI knowledge required.
We Work the Case
DDQ contacts your client, shops the market, and handles all underwriting and placement end-to-end.
You Get Paid
Once the policy is placed, you receive referral compensation.
REFERRAL COMPENSATION
Earn on business you can't write.
Licensed agents are eligible for referral compensation on every policy placed through a referral. Details are discussed during onboarding — compensation varies by product and policy size.
MOST COMMON
Disability Insurance
Individual own-occupation DI for physicians and high-income professionals is our highest-volume product — and the most common referral opportunity for agents outside the DI space.
Life Insurance
Term, whole life, and universal life referrals are eligible. If your client needs life coverage and you’re not appointed or don’t want the case, refer it to us.
Group Health
Employers with 10 or more enrolled employees looking for group health coverage are strong referral candidates. If it’s outside your wheelhouse, refer it to us.
Compensation is discussed during onboarding. Specific referral compensation terms, payment timing, and product-level details are outlined in your referral agreement — not published publicly. Apply below and we’ll walk you through everything on our intro call.
WHAT WE TAKE OFF YOUR PLATE
You send the referral. We do everything else.
No DI appointments, no underwriting knowledge, no servicing required on your end. Once you refer, the case is ours.
Our promise to referring agents
WE WILL NEVER:
WE WILL ALWAYS:
GET STARTED
Join the Agent Referral Program
Apply in 2 minutes. We’ll follow up within 1 business day to set up your referral agreement and get you ready to refer.
Agent Referral Application
Licensed agents only. Takes about 2 minutes.
By submitting, you confirm you hold a valid insurance license in at least one U.S. state. We do not share your information with third parties.