About Annapurna Insurance Solutions
Who We Are
Annapurna Insurance Solutions is an independent insurance agency founded by Kiran Adhikari with a clear mission: give independent agents the technology, commission structure, and growth infrastructure they need to build thriving businesses.
We use BackNine for carrier access and commission processing, giving our agents access to 50+ top-rated carriers across life insurance, health insurance, annuities, and more — without the overhead of managing individual carrier contracts.
What sets us apart is Cover Agent AI — our proprietary technology platform provided FREE to every agent who joins. It includes a personal microsite, CRM, automated marketing, compliance-aware safeguards, and a full suite of growth tools designed for the modern insurance professional.
Independent Agency
We are an independent insurance agency — not a brokerage. We provide infrastructure for agents to build their own businesses.
BackNine Partnership
We use BackNine for carrier access and commission support, connecting agents to 50+ A-rated carriers.
Cover Agent AI
Our proprietary AI platform is provided FREE to agents — enterprise-level tools at zero cost.
Agent-First Commissions
Competitive commission structures designed to maximize what agents take home.
Our Mission
To empower independent insurance agents with the commission structure, AI-powered technology, and scalable infrastructure to build businesses they own — not just jobs they work.
For Agents
We exist to serve independent agents. Every decision we make starts with one question: does this help agents grow?
Technology-Driven
We believe agents deserve the same caliber of technology that billion-dollar companies use. Cover Agent AI delivers it.
Compliance-Aware
Our platform includes compliance-aware safeguards and structured regulatory guardrails designed for regulated insurance environments.
How We Operate
Carrier Access Through BackNine
We use BackNine for carrier access and commission processing. This gives agents access to 50+ A-rated carriers across life, health, and annuity products without managing individual carrier relationships.
Free Technology Through Cover Agent AI
Every contracted agent receives free access to Cover Agent AI — our proprietary platform that includes a personal microsite, CRM, automated marketing, compliance-aware tools, and growth analytics.
Agent Recruiting & Team Building
Agents can recruit their own teams and earn override commissions. Cover Agent AI includes team management features to support agency building at every stage.
High Commission Structure
We offer competitive commission structures designed to maximize agent take-home pay. Agents own their book of business and build long-term residual income.
Ready to Join?
Get the commissions, technology, and infrastructure to build a real insurance business.