In the past, your customers went to a bank to borrow money. Now they can turn to you, their trusted insurance agent.

With The Independent Advantage® you can capitalize on the relationship you share with your customers.

There's more that you can offer your clients than competitive rates and terms. As an independent agent, you give your clients a level of service and convenience they simply won't receive from a typical bank loan provider.

Your clients will appreciate being able to do one-stop shopping for both insurance and loans through your agency, as well as the easy access and quick decisions you'll deliver to them through the IFS loan technology.

For them, it means no more trips to the bank. And in these times when people are busier than ever, that's a benefit your customers will respond to.

INDEPENDENT FINANCIAL SERVICES, INC. is a national sales and financial marketing services corporation that brings competitive consumer loan products to independent insurance agents and their customers. With powerful new competitive forces seeking a major share of the casualty insurance business, the availability of on-line consumer loans will give independent insurance agents a substantial competitive advantage. IFS is a leader in developing multi-product, high speed integrated loan origination systems that provide easy access, prompt processing and confidential credit decisioning to the independent agents' customer. The Independent Advantage® on-line loan system is integrated with hardware that prints both state-specific loan documents and proceeds checks on behalf of your agencies customer . These new financial tools give agency customers convenient, one-stop shopping.

IFS and its respective bank partners have developed training, sales and marketing materials that may be utilized by the agency. These materials are reviewed by IFS counsel, bank counsel and its advertising department to meet compliance requirements for consumer loan advertising in each state.

With the rising tide of competition, IFS has never lost sight of the agents' need for R & R (retention and residuals). The Independent Advantage® loan program now enables you to provide a pro-active financial service to your clients. Agents can now offer their clients competitive loan products ... products which parallel their insurance lines ... and provide additional value added services which today's business climate demands.

The Independent Advantage® Loan Program can help you grow your agency in the new millennium and stem the tide of competition. You can now sell three or four products at one time (Auto Policy, Personal Installment Loans, Home Improvement Loans, Automobile Loans--new, used, and refinanced, Boat and RV Loans-- new and used, Commercial Loans, As well, The Independent Advantage Loan Program offers a host of aftermarket products to further ensure your agency's Retention & Residual.