Utilization Bonus Program

Want to generate revenue for your association, add additional revenue for your agency, save on expenses, and earn additional cash?

You can accomplish one or all of those goals by participating in the FMS Utilization Bonus program! It’s simple, and you don’t even have to sign up. Just take advantage of the products and services—meticulously reviewed and offered by FMS—and start earning points.

Starting on September 1 of each year, FMS begins tracking usage of the products and services. Using the products and services generates revenue, which translates into points for your agency. The more products and services you use—the more points you earn.

In 2016, 758 member agencies earned a total payout of $179,129.52 in utilization bonus money!

Utilization Bonus-eligible products and services:

Agency 401(k) Solutions 

American Traditions Insurance Co./Modern USA Insurance Co. (through Independent Market Solutions

Asset Wealth Management 

Bankers Insurance Group 

Cypress P&C Insurance Group (through Independent Market Solutions)

Elements Property Insurance Company (through Independent Market Solutions

First Insurance Funding 

Heartland Payroll Services 

Heritage Insurance (through Independent Market Solutions


Office Depot Discount Program 

Old Dominion Flood Program 

RLI (Personal UmbrellaeXS Commercial UmbrellaIn-HomeBusiness)

Swiss Re/ Westport E&O 

United P&C (through Independent Market Solutions

Universal North America (through Independent Market Solutions


Work at Home Vintage Experts