Turn Acquisitions Into Growth

From LOI to closing, our buy side advisory services help you secure the right deal and maximize equity value.

Acquire with Confidence

Buying another insurance agency can be one of the fastest ways to scale your business—but it’s also one of the riskiest. National, private-equity backed buyers come to the table with teams of finance and M&A experts. With INS Capital, you get that same level of buy side advisory expertise on your side—at a fraction of the cost.

The right acquisition can increase your equity value by hundreds of thousands, even millions, of dollars. Our job is to make sure the deal you pursue is the right one—and that you have every advantage throughout the process.

Our Buy Side M&A Process

Phase 1: Initial Review & LOI

  • Diligence & Analysis: Cash flow modeling, deal structuring, and identifying key risks and opportunities.
  • Deliverable: A clear, decision-ready Buyer Report.
  • Outcome: Confidence to pursue the deal and negotiate a strong Letter of Intent (LOI).

Phase 2: Diligence

  • Revenue Verification: Our 4-step process ensures the numbers line up:
    • Tax Returns
    • P&L Statements
    • Commission Reports
    • Bank Statements
  • Full Diligence Support: Guidance on other critical items before closing.
  • Refined Deal Structure: Adjust cash flow projections and terms as needed to protect your interests.

Additional Service: Bank Debt Sourcing

  • RFP Package: Professionally crafted to present your deal to lenders.
  • Negotiation Support: Secure competitive loan terms and navigate the underwriting process.

Why Choose INS Capital

With hundreds of insurance agency transactions advised, our team knows how to:

  • Spot red flags early
  • Structure deals that work for buyers
  • Level the playing field with larger, national acquirers

When you partner with us, you don’t just due diligence – you get a competitive edge.

Frequently Asked Questions

Buy side advisory helps agency owners evaluate, negotiate, and close the purchase of another insurance agency. It includes financial analysis, due diligence, deal structuring, and acquisition financing support.

Insurance agency acquisitions have unique considerations—like carrier appointments, retention rates, and commission structures. An advisor helps you assess these factors, avoid overpaying, and structure the deal to maximize long-term value.

We work with independent agency owners and regional firms who want to grow through acquisitions, but don’t have an in-house M&A team like national or private equity-backed buyers.

The earlier, the better. We can add the most value before you sign a Letter of Intent, but we can also step in during due diligence or financing if you’re already engaged with a seller.

Yes. We prepare a professional RFP package for lenders, negotiate favorable loan terms, and guide you through the bank underwriting process to secure financing.

Ready to Explore your Next Acquisition?

Contact INS Capital today to put experienced buy side advisors on your team.