Wholesale Insurance

With over 200 different wholesale organizations registered, The Leaders Group is a true partner for your distribution business. Whether you are a brokerage general agency (BGA), an independent marketing organization (IMO) or a field marketing organization (FMO), we can service your broker-dealer needs.

Our customized offering for wholesale groups, we make it affordable and easy to allow you to do what you do best.


Learn Why So Many Wholesale Organizations Choose Us

Seamless Approach

We will assist you in the registration process for point-of-sale professionals, licensed administrative staff members, and associated retail agents if applicable.

In order to limit the interruption to your business, our contracting and compliance departments will help you to get everything in order as fast as possible.

  • Electronic registration process
  • Paperless transition of existing accounts
  • Robust technology offering
  • Direct to agency payment capability
  • Flexible E&O options
  • Product education and sales training

Customized Offerings

We offer extremely competitive payouts for both wholesale overrides as well as personal production for our wholesale groups while keeping costs reasonable.

We structure our compliance requirements for wholesale individuals and groups to be as straightforward as possible.

  • Flexible E&O options
  • Centralized OSJ model
  • Direct to agency payment methods
  • Longstanding carrier relationships
  • Downline agent referral platform


Founded in 1994 by the late Dave Wickersham, we have over 25 years of experience working with wholesale organizations to facilitate the distribution of insurance products across various BD channels and RIAs.

Our goal is to become a true partner for you, where we can develop a mutually beneficial relationship. With business-friendly compliance, exceptional customer support, and advanced knowledge, we strive to make it an easy decision.

The Leaders Group is one of the leading distributor broker-dealers in the world for variable life insurance business and private placement life insurance.

Industry Engagement

The Leaders Group has relationships with most of the major BGA IMO aggregation and marketing groups and have contributed educational support around best practices as well as countless sales presentations. We are committed to helping you and your staff simplify the complexities of doing business in this industry and market product in the correct way.

We can help you navigate the complexities of working with other broker-dealers, RIAs, and financial institutions. We have been a pioneer in developing methods to facilitate the distribution of products.

Diversity Beyond Fixed Products

Is your organization not licensed to offer registered annuity or life products?

We can help with that.

  • The Leaders Group is the only BD for the BGA! Not only do they make wholesaling VUL easier for us, but they are also interested in helping us grow our business. The Leaders Group is a BD interested in forming a partnership with their BGAs.

    Tori Van Dusen-Roos
    Diversified Brokerage Services, Inc.
  • Leaders Group is truly the one BD that understands the wholesale market which we live in. We are not reps doing variable business, so you don’t hold us to the same standards as all other BDs did. You allow us to do what we do best: sell to the various wirehouse firms.

    Tom Litz
    BKA Financial

Would you like to learn more about the VUL marketplace or how to get set up? We are happy to
help you every step of the way!

Did you know?

The Leaders Group is also a leading broker-dealer for the following:

  • Variable Annuities
  • Private Placement Life Insurance (PPLI)
  • Life Settlements
  • COLI and BOLI Insurance Solutions
  • Outsourced Insurance Divisions (OIDs)
  • Retail Insurance Agents
  • Outside RIAs

The Leaders Group is a proud member of the following industry organizations. We look forward to seeing you at industry events!

It is easy to refer your downline agents to The Leaders Group!

Many broker-dealers are becoming restrictive on who their agents can work with. Create sticky relationships that are protected by referring them to The Leaders Group. Let us talk to you about our retail platform and the advantages we offer today!

Even if you don’t plan on registering your wholesale organization with us, you may refer agents to our broker-dealer and maintain an exclusive relationship.