For insurance agents
The IMO you wish existed 10 years ago — with a Hispanic-market side as bonus.
Direct-write contract. 50+ carriers. Full portfolio access. Transparent public split table. Plus Spanish-native infrastructure for the 65M-person Hispanic market — if you ever want to expand into it.
Video de Marco · próximamente
Marco Conde · Founder, NBG
WHY AGENTS COME HERE
Structural differences you can defend in any comp review
Framings we can back up with the actual contract, split table, and carrier appointment paperwork. No slogans.
Direct-write, no MLM taxation
Direct-write structure. You keep 100% of your production. No multi-level hierarchy quietly taxing your commissions to feed a downline pyramid.
Full portfolio, no forced specialization
Life, health, annuities, mortgage protection, final expense. You serve every stage of a client's life, not just the one product some IMOs want you to push this quarter.
Lead diversity, not pay-to-play
Institutional partnerships (CPAs, realtors, loan officers), cross-vertical (life + health), and referral. Zero requirement to buy leads to hit production targets.
Bilingual infrastructure, not bolted-on translation
The academy, the CRM, the compliance training, the carrier appointments — Spanish-first, not English infrastructure with translation on top. Infrastructure competitors cannot replicate quickly.
THE HISPANIC-MARKET OPPORTUNITY
The numbers the discovery call is built on
Every stat below has an official source. No estimates, no projections we cannot cite.
65M
US Hispanic population
US Census Bureau ACS 2023
~19.5%
Share of total US population
US Census Bureau
4x
Growth rate vs general market
US Census 2020-2023
$3.6T
Hispanic purchasing power (2023)
UCLA CCLP · Selig Center
46%
Life insurance ownership (vs 52% general)
LIMRA 2024 Barometer
~72%
Hispanic households speak Spanish at home
US Census Bureau
30 yrs
Median age (vs 39 general US)
US Census 2023
49%
Hispanic homeownership rate
NAR / US Census 2023
$63K
Median Hispanic household income
US Census 2023
46%
Households needing more coverage
LIMRA 2024
Underinsurance gap and agent-to-prospect ratio are directly addressable through the partnership frameworks below. This is a market opportunity, not a demographic claim.
INSTITUTIONAL PARTNERSHIPS
How you get in front of prospects — with compliance built in
Six institutional partnership frameworks with the compliance layers (RESPA, TCPA, AICPA) already trained. You bring the sales craft; the door-opening infrastructure is here.
CPAs and accountants
Tax season referrals · AICPA Rule 503 compliant structure
Realtors
Mortgage protection post-closing · NAR-aligned scripts
Loan officers
RESPA Section 8(a) and 8(c)(2) compliant referral framework
Multi-service centers
Tax preparation, immigration, notary shops serving Hispanic clientele
Funeral homes
Final expense partnerships with community trust
Community organizations
Churches, cultural centers, professional associations
Compliance frameworks: TCPA · RESPA Section 8(a)/8(c)(2) · AICPA Rule 503
The Hispanic-market side, live
Beyond the US market, NBG runs a Spanish-native operation for agents serving the Hispanic segment — full academy, CRM, and leadership team, all in Spanish. If you ever want to expand into that market, the infrastructure is already here.
See the Hispanic-market side of the operation liveCOMMON QUESTIONS
Answered in the order agents typically ask
I don't speak Spanish. Can I still serve this market?
Yes. About 45% of US Hispanics are English-dominant or bilingual (Pew Research). Your Spanish-speaking clients get served by our bilingual back-office and agent-support infrastructure. What you bring is the sales conversation. What we provide is the language layer.
Isn't the Hispanic market saturated with existing agents?
The ratio is inverse. Hispanic-owned life insurance policies are 6 points below general US ownership (LIMRA 2024). Agent-to-prospect ratio in Hispanic segments runs 1:2,400 versus 1:800 general market — roughly 3x more prospects per licensed agent in the segment.
Why not just sell to my current market and use my existing referrals?
You keep doing that. NBG is not a replacement — it is expansion. Add the Hispanic segment as a growth vertical with our infrastructure. Zero risk to your current book. Some agents run both books in parallel; others stay 100% US general market.
How do I get in front of Hispanic prospects if I'm not part of the community?
The same way you get in front of anyone: institutional partnerships (CPAs, realtors, loan officers, multi-service centers) that serve Hispanic clientele. NBG has playbooks for 6 partnership types plus the compliance framework (AICPA, RESPA, TCPA). You bring the sales craft; we bring the door-opening infrastructure.
Isn't the Hispanic market lower-income and hard to close on premium products?
Median Hispanic household income is $63K (US Census 2023) — a mid-tier US segment, not low-income. Median age is 30 versus 39 general US, meaning longer premium windows and better IUL and annuity fit. Homeownership is 49%, a direct addressable mortgage protection segment.
How is NBG different from other IMOs that also serve the Hispanic market?
Most IMOs bolt Spanish translation onto English infrastructure. NBG is built Spanish-first: the academy, the CRM, the compliance training, the carrier appointments, the leadership team. That is infrastructure competitors cannot replicate quickly — plus 50+ direct carrier contracts and transparent public split terms.
Why should I care about the Hispanic side if I'm not planning to serve that market?
You don't have to. NBG'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.
Isn't this really a Latino IMO trying to attract American agents?
No. NBG 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.
If I join NBG, 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.
Apply
Send a 60-second application
Carlos or a senior advisor reaches out within 24 business hours to walk you through the contract, the carriers, and the two-sided operation. No sales pitch, no obligation.
- Direct-write contract · vested from day one
- 50+ carriers · full portfolio access
- Bilingual back-office if you need it
- Response within 24 business hours