The IMO with two sides
Build one book. Build both.
Same contract, same carriers, same house.
National Brokers Group (NBG) delivers two native market capabilities: pro-grade tools for the U.S. general market and NBG Latino, its Spanish-native infrastructure for the Hispanic market. One organization. Two market capabilities. You pick the path — the contract and carriers are the same.
50+
Direct carrier contracts
65M
US Hispanic market (Census 2023)
50
States, all licensed
100%
Direct-write · you own your book
Sources: US Census Bureau ACS 2023 · LIMRA 2024 Insurance Barometer Study
TWO SIDES, ONE IMO
Two operations. Both native. One contract.
Pick the side that fits your book today. Add the other when you are ready. Zero switch cost — the infrastructure is already here.
US general market side
Pro-grade tools · direct-write structure
- 60+ direct carrier contracts
- Full portfolio: life, health, annuities, mortgage protection, final expense
- Transparent compensation · vested from day one
- US-focused compliance training (TCPA, RESPA, AICPA)
Hispanic market side
Spanish-native infrastructure · not translated
- Spanish-native training academy
- Bilingual leadership team
- Latin Prime CRM built for the Hispanic segment
- 6 institutional partnership frameworks (CPAs, realtors, loan officers, and more)
WHY AGENTS COME HERE
Three things that hold up under a legal review
Not slogans. Structural claims we can defend line by line in a comp review, a compliance audit, or a discovery call.
Straight contracts
Same rules for everyone. What you sign is what you get. Full compensation structure walked through in the discovery call — no hidden schedules, no favorites, no senior class rewriting your leads.
Direct-write ownership
Your book stays yours. Vested from day one. No clawbacks on renewals after 12 months. No multi-level hierarchy taxing your production.
Real infrastructure
Bilingual training academy. CRM built for insurance. Senior advisor on complex cases. Compliance frameworks (TCPA, RESPA, AICPA) built into training.
FAQ
Answers a serious agent asks first
What is NBG Latino and how is it structured?
National Brokers Group (NBG) gives US insurance agents access to two native market capabilities: a professional platform for the U.S. general market (60+ direct carrier appointments, portfolio access to life, health, and annuities), and NBG Latino, its bilingual Spanish-native infrastructure for the Hispanic market (bilingual academy, Latin Prime CRM, bilingual leadership team). One organization. Two market capabilities. Same contract, same carrier lineup.
Why should I care about the Hispanic side if I am not planning to serve that market?
You do not have to. NBG Latino's US general market side gives you direct carrier contracts, transparent splits, and full portfolio access — same as any top-tier IMO. The Hispanic infrastructure is optional. It exists so you have the option, not the obligation, if you ever want to expand into a market with 65M people and a documented underinsurance gap (LIMRA 2024).
Isn't this really a Latino IMO trying to attract American agents?
No. NBG Latino has two sides that operate natively, not as translations of each other. US general market agents run US general market books. Hispanic market agents run Hispanic market books. Some agents run both. The infrastructure supports whichever path you pick — that is the point of the dual-market build.
If I join NBG Latino, will I get pushed to sell to Hispanics?
No. Zero pressure. Your book is yours. The Hispanic infrastructure exists so you have the option, not the obligation. Many agents run 100% US general market books here and never touch the Spanish side. Your production plan is your choice.
How do I know NBG Latino's contract terms are actually transparent?
The compensation structure follows the same rules across the organization. Same terms for the same production level, regardless of who your leader is. Vesting is from day one. Renewals after 12 months are yours with no clawback. In the discovery call we walk through the full comp plan — no hidden schedules, no verbal-only side letters.
How does the Hispanic market opportunity compare to the general US market?
US Hispanic population is ~65M (US Census 2023), growing ~4x the general market rate. Life insurance ownership is ~46% versus ~52% general US (LIMRA 2024) — a 6-point gap, translating to more prospects per licensed agent in the segment. Median household income $63K, median age 30, homeownership 49% — a mid-tier US segment, not low-income.
Ready to see the full picture?
Send a 60-second application. Carlos or a senior advisor walks you through the contract, the carriers, and the two-sided operation. No sales pitch.