In many instances, a sound investment plan may contain fixed insurance solutions. For the convenience of our agents, KSI Insurance Services has consolidated fixed insurance marketing details, business processing and commissions information in one central location.


To comply with best interest standards and the firms written supervisory procedures (WSP’s) all annuity transactions, inclusive of Fixed Indexed Annuities, Fixed Annuities and Single Premium Immediate Annuities are required to be vetted by the supervision team for suitability review/approval prior to their submission to the carrier directly or to one of our approved FMO/IMO’s listed below. Annuity transactions can only be placed via the partners identified on this page and all compensation must flow through the broker dealer. As a reminder, Kovack Securities pays 100% of street compensation to the financial professional on the sale of Fixed Indexed Annuities, Fixed Annuities and Single Premium Immediate Annuities.

Please be advised that certain annuity products do not pay KSI Insurance Services an override.


Kovack Securities embraces the independent financial professionals ability to choose who they transact fixed insurance (Traditional Fixed Life, Long-Term Care, Disability, Linked Benefits and Medicare Supplements) business with as an approved outside business activity (OBA) while also taking into consideration the current regulatory environment. Financial professionals possess the freedom to work with any firm they wish to facilitate business in those lines of authority. Alternatively, Kovack Securities has established relationships with a number of the top FMO/IMO’s in the insurance space to help support your business should you need a referral. Our vetting process ensures that key home office reporting requirements can be met in conjunction with the firms’ ability to provide practice management guidance and the necessary tools to assist you throughout the case management process.

A financial professionals securities business can be cyclical in terms of your personal production and in years when securities related revenue is light you may choose to run additional production (i.e. fixed insurance business) through the broker dealer to secure discounts on various administrative costs such as premiums paid for Errors and Omissions (E&O) insurance, technology fees and credits towards our national conference. In addition, the added revenue could assist you in securing a higher payout on your overall production.

If you have annuity or fixed insurance questions, please contact Chris Yarosh for more information.

Sales & Marketing:

Chris Yarosh
Vice President, Practice Management
(954) 847-8648,

KSI Insurance Services - Fixed Insurance Partners

Brokers International
(800) 362-1097
FMG-Registered Wholesaling Arm
888) 806-2955

Crump Life Insurance Services

TruChoice Financial
(800) 930-9059

Underwriters Marketing Service
(800) 524-1774

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6451 North Federal Highway, Suite 1201
Fort Lauderdale, Florida 33308
Call us at (954) 847-8648

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