Paul Langley, CEO of I-InsureMe, has a history in direct sales and financial services ventures. His earliest known business, Clear Business Solutions, offered a healthcare savings plan before pivoting to vacation sales. This Arizona-based company now operates in the insurance MLM space, combining product sales with recruitment incentives.
Langley also founded Dedicated Financial Group, which he ran from 2006 to 2014. This company focused on retirement planning solutions, operating as a financial services MLM. The launch of I-InsureMe in April 2014, immediately after Dedicated Financial Group ceased operations, suggests a rebranding or restructuring of Langley’s business interests.
I-InsureMe’s core offering is property and casualty insurance, including home, auto, and business policies. These policies are underwritten by Dickinson Insurance, an Idaho-based agency. The insurance products are available across a wide range of U.S. states, including Arizona, California, Colorado, and Texas, among others. I-InsureMe claims that customers can often find better coverage or pricing compared to traditional insurance providers, with savings of 70-80% being cited.
The company’s compensation plan blends commissions from insurance sales with rewards for recruiting new members. Three membership tiers are outlined: Representative, Affiliate, and Representative Affiliate. Representatives earn commissions on referred insurance clients but are not eligible for MLM recruitment bonuses. Affiliates are compensated for recruiting both new Affiliates and Representatives. Representative Affiliates earn from both insurance referrals and new recruitments.
Affiliates and Representative Affiliates benefit from direct and passed-up recruitment commissions. Those in the Representative Affiliate tier also receive direct, passed-up, and residual commissions on both insurance policies and recruitment activities. The structure rewards those who build downlines and sell insurance products.
The insurance policies offered through I-InsureMe are available in 30 states. Dickinson Insurance, the underwriting agency, markets itself as specialists in the field. The company provides policies for home, auto, and business insurance. Specific states where coverage is available include Arizona, California, Colorado, Connecticut, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Minnesota, Missouri, Montana, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming. Notably, a home insurance exclusion is noted for Florida.
I-InsureMe’s business model centers on recruiting individuals to sell insurance and build downlines. The compensation structure incentivizes this recruitment, with higher tiers earning commissions on the activities of their recruits. The company emphasizes the potential for savings on insurance policies for customers.