THE DIFFERENCE
BETWEEN A JOB
AND A LIFE.
Farmers Denver is one of the Top Districts Nationwide and we're looking for driven entrepreneurs in the Denver metro who want to build something that truly belongs to them — a recession-proof business with residual income that grows year after year.
Backed by a $29 billion company established in 1928, you get the brand, training, and support of a Fortune 500 — with the freedom of business ownership.
"It's not going to be easy — it's going to be worth it. If it is to be… it is up to ME."
Build Something That Belongs to You
The Farmers opportunity combines entrepreneurial freedom with the systems, support, and brand of a Fortune 500 company.
Recession-Proof Business
Insurance is a necessity. Even in tough economic times, demand for coverage doesn't disappear — and agents who serve their clients well continue to grow their income.
Residual Income That Compounds
Every policy renewal earns you a commission — year after year. As your book of business grows, so does the income that doesn't require you to be in the office.
Industry-Leading Bonus Program
Up to 340% bonus on new business commissions in year one — the most aggressive startup incentive in the industry. Plus $11K in startup bonuses and $18K in lead funding.
You Own What You Build
Your agency is yours. Sell it back to Farmers, on the open market, or gift it to a family member. Your book of business is a real, transferable asset.
University of Farmers® Training
Award-winning training at every stage of your career. From onboarding through advanced market strategies, we invest in your development continuously.
A $29B Brand Behind You
In business since 1928. 10,000+ exclusive agents. 14 million policies. Over 20 products. You're backed by one of the most recognized insurance brands in America.
You're Not Alone —
You're in a Family
The Farmers Family isn't a slogan — it's a culture. Our best agency owners actively mentor the newest ones. That's what makes a high-performance district: people winning together.
"Success as an agency owner requires hard work and a constant desire to improve yourself and your team. We feel that if we can find someone who embraces this entrepreneurial spirit and combine it with the guidance, systems, and a $29+ billion Farmers brand — someone should be that much more successful."
Excellent
Strong
Stable
Built to Make You Confident from Day One
Three Ways to Cash Out Your Legacy
Your agency isn't just income — it's a sellable asset with real equity value when you're ready to retire.
Keep It in the Family
Pass your book of business to a family member — creating a multi-generational legacy. No other major P&C carrier allows this. Farmers has 2nd and 3rd generation agencies nationwide.
Sell on the Open Market
Sell your agency through internal or external acquisition to a qualified buyer. Price is negotiated between you and the buyer — your District Manager facilitates.
Receive Contract Value
Return your policies to Farmers and collect your Contract Value — up to 1× your agency's 12-month renewal commissions. Many agents use this as a retirement nest egg.
Three Ways to Get Started
Whether you have capital ready or you're starting from scratch, there's a path designed for you in Denver.
Build Your Own Legacy
Start fresh with an industry-leading 3-year bonus program. You build your agency your way — with maximum startup incentives and the flexibility to choose your location.
- Up to 340% bonus on NB commissions (Year 1 Q1)
- $5,000 signing bonus + $6,000 exterior branding
- $500/mo in lead opportunity credits for 36 months
- Total bonus cap of $3,500,000
Buy an Existing Agency
Step into an established client base and instant cash flow. Perfect if you want to skip the startup phase and take ownership of a proven, producing agency.
- Existing client base from day one
- $5,000 signing bonus + $6,000 branding bonus
- Finance via Farmers Federal Credit Union or SBA
- Negotiated purchase price between buyer & seller
Earn While You Learn
Not ready to commit $100K? Start as a Protégé under a top-tier agency owner. Earn a salary plus commissions, get mentored, and graduate into agency ownership — with the capital requirement waived.
- Base pay + monthly commission + bonus (up to $84K+ in yr 1)
- Up to $8,000 graduation bonus
- Up to $100,000 line of credit from Farmers Federal Credit Union
- $100K capital requirement waived at $150K production goal
The Most Aggressive Bonus in The Industry
36-month industry-leading startup bonus — starting at 340% on qualifying new business commissions. See what the numbers look like in practice.
| Quarter | NB Commissions | Bonus Rate | Bonus Earned | Lead Credits | Total |
|---|---|---|---|---|---|
| Q1 | $15,000 | 340% | $51,000 | $1,500 | $67,500 |
| Q2 | $15,000 | 320% | $48,000 | $1,500 | $64,500 |
| Q3 | $15,000 | 300% | $45,000 | $1,500 | $61,500 |
| Q4 | $15,000 | 280% | $42,000 | $1,500 | $58,500 |
| Y1 Total | $60,000 | — | $186,000 | $6,000 | $252,000 |
| Quarter | NB Commissions | Bonus Rate | Bonus Earned | Lead Credits | Total |
|---|---|---|---|---|---|
| Q1 | $49,525 | 340% | $168,387 | $1,500 | $217,912 |
| Q2 | $65,589 | 320% | $209,887 | $1,500 | $275,476 |
| Q3 | $34,903 | 300% | $104,709 | $1,500 | $139,612 |
| Q4 | $47,524 | 280% | $133,067 | $1,500 | $180,591 |
| Y1 Total | $197,541 | — | $616,050 | $6,000 | $813,591 |
* Bristol West Auto bonus commissions paid at 50% of illustrated amounts. All figures are hypothetical unless noted as actual. Subject to program guidelines.
What Role Fits You Best?
Every entry point leads to the same destination — ownership. Pick where you start.
Customer Service Rep
- Inbound & outbound calling
- Manage Google Reviews
- Client retention tasks
- Marketing to current clients
Insurance Sales Producer
- Outbound calling & lead follow-up
- Quote generation
- Warm & hot lead work
Future Agency Owner (Protégé)
- Same as Sales Producer +
- Mentorship from agency owner
- Career development program
- Capital req. waived at $150K goal
Immediate Agency Owner
- Build & lead your own team
- $5K signing + $6K branding bonus
- NB Production Bonus 100%–340%
- Equity in a business you own
Coming from another industry?
Whether you want to transition into a new career or add a revenue stream to your existing business, there's a path built for your background.
$11K startup bonus + $18K in lead funding
Bind home + auto at closing — keep the commission
Cross-sell P&C & Life to the book you already own
Turn financial trust into insurance revenue
Your portfolio is a ready-made book of business
Your Recruiting Process
From first conversation to first sale — a clear, guided path designed to get you earning fast.
1st Interview
Learn about the opportunity with District 27. Explore programs, ask questions, and see if it's the right fit. You're already on Step 1.
Candidate Review
Complete a quick online personality profile. We determine eligibility and next steps based on your background and goals.
2nd Interview
Meet with a District Manager or Agency Business Consultant. Dive deeper into roles, responsibilities, and get all your questions answered.
Licensing
Get licensed in P&C (~$250 total) and Life & Health (~$200 total). We offer a 21-Day Fast Pass Partial Sponsorship to accelerate the process.
Mentor Pairing & Training
Complete onboarding, sales training, and begin your University of Farmers® coursework. Then start selling and earning from day one.
Let's Build Your
Future Together
The time will pass anyway. You can either spend it creating the life you want — or living the life you don't want. The choice is yours.
"We are often asked what is the number one trait of our most successful Agency Owners… one thing stands out above the rest: Ownership."