4T Company

　　

4T Company: A Comprehensive Overview

　　

Company Overview

　　

Founding Date and Background

　　4T Company, commonly known as 4T Brokerage, was founded in 2020 by Sonny Gurney, who has a rich background in the insurance industry. Gurney's experience as an independent broker and his commitment to transparency and agent education led to the establishment of 4T Brokerage. The firm was created with the mission of providing agents with better choices and a clearer understanding of their contracts.

　　

Parent Company/Ownership Structure

　　4T Brokerage operates as a self-owned entity. It is structured to empower agents by providing them with the necessary tools and resources to succeed independently. The company emphasizes its agent-centric approach, distinguishing itself from traditional brokerage models.

　　

Headquarters Location

　　The headquarters of 4T Brokerage is located in Auburn Hills, Michigan. This strategic location allows the company to maintain a strong presence in the Midwest while serving agents across the nation.

　　

Global Business Scope

　　While 4T Brokerage primarily focuses on the United States market, it operates as a national Field Marketing Organization (FMO) with a significant local presence. The firm collaborates with over 70 insurance carriers, providing a broad range of products and services to its agents.

　　

Main Regulatory Bodies

　　4T Brokerage is subject to regulatory oversight by various state insurance departments, ensuring compliance with industry standards and practices. The company operates under the regulations applicable to insurance brokers and FMOs in the states where it conducts business.

　　

Company History and Development

　　

Key Milestones

• 2020: 4T Brokerage is founded by Sonny Gurney, focusing on empowering agents through education and transparency.
• 2018: Before founding 4T, Gurney transitioned his agency into an FMO, laying the groundwork for the business model that 4T would adopt.
• 2021-2023: Rapid growth in agent recruitment and expansion of service offerings, establishing a reputation for quality training and support.

　　

Business Expansion Journey

　　4T Brokerage has experienced significant growth since its inception. The company has expanded its agent network and product offerings, becoming one of the fastest-growing FMOs in Michigan. This growth is attributed to its commitment to transparency, training, and building meaningful relationships with agents.

　　

Customer Base Growth

　　The customer base of 4T Brokerage has grown steadily, with the company attracting agents from various backgrounds seeking better contract terms and support. The emphasis on educating agents about their rights and the intricacies of commission assignments has resonated well within the industry.

　　

Platform Development History

　　4T Brokerage has developed a robust online platform that provides agents with access to training resources, product information, and support. This platform facilitates communication and collaboration among agents, enhancing their ability to serve clients effectively.

　　

Important Awards or Recognitions Received

　　While specific awards and recognitions may not be extensively documented, 4T Brokerage has garnered positive testimonials from agents, highlighting its commitment to quality service and support. The company is recognized within the industry for its innovative approach and agent-centric philosophy.

　　

Trading Services Offered

　　

Forex Trading Options

　　4T Brokerage does not primarily focus on forex trading; however, it offers a range of insurance products and services. For those interested in forex trading, the company does not provide specific details about currency pairs.

　　

Stock Trading Options

　　The primary focus of 4T Brokerage is on insurance products rather than direct stock trading. The company supports agents in selling various insurance products, including health, life, and property & casualty insurance.

　　

CFD Trading Products

　　4T Brokerage does not explicitly mention offering Contracts for Difference (CFDs) within its service portfolio, as its primary business revolves around insurance brokerage.

　　

Other Financial Instruments

　　4T Brokerage primarily deals with insurance products. Agents are trained to sell a variety of insurance options, but the company does not provide direct access to cryptocurrencies, commodities, or other financial instruments typically associated with trading platforms.

　　

Special Services or Unique Advantages

　　4T Brokerage offers several unique advantages, including:

• Comprehensive training programs designed to equip agents with the knowledge they need to succeed.
• A transparent approach to contracting, ensuring agents understand their rights and the implications of commission assignments.
• Dedicated support systems, including one-on-one training and access to a resource center for ongoing education.

　　

Regulatory and Legal Background

　　

Detailed Regulatory Information

　　4T Brokerage operates under the regulations of various state insurance departments. While it is not registered with a single overarching regulatory body like a securities exchange, it must comply with state-specific insurance laws and regulations.

　　

Legal Entity Structure by Region

　　As a national FMO, 4T Brokerage is structured to operate in multiple states. Each state has its own licensing requirements, and 4T ensures compliance with these regulations to maintain its operational status.

　　

Client Fund Protection Measures

　　As an insurance brokerage, 4T Brokerage does not directly manage client funds in the way a financial trading platform might. However, it adheres to industry standards to protect the interests of its agents and their clients.

　　

Countries/Regions Served

　　4T Brokerage primarily serves agents across the United States, with a focus on Michigan. Its national presence allows it to cater to a diverse range of agents and clients.

　　

Compliance History

　　4T Brokerage has maintained a positive compliance record, focusing on transparency and ethical practices in its dealings with agents and clients. The company's commitment to educating agents about their rights and responsibilities further strengthens its compliance efforts.

　　

Competitive Landscape

　　

3-5 Main Competitors

• Cornell Insurance Brokers: A well-established insurance brokerage offering a wide range of insurance products and services.
• Lunar Insurance Agency: Focuses on providing personalized insurance solutions with a strong emphasis on client relationships.
• American Insurance: A national player in the insurance brokerage market, offering various insurance products and services.

　　

Positioning in the Industry

　　4T Brokerage positions itself as a forward-thinking FMO that prioritizes agent education and transparency. This approach differentiates it from traditional brokerages that may not provide the same level of support and resources.

　　

Market Differentiation Factors

• Transparency: 4T Brokerage emphasizes clear communication and understanding of contracts, which is often lacking in the industry.
• Training and Support: The company provides extensive training resources and dedicated support to ensure agents can effectively grow their businesses.
• Agent-Centric Philosophy: 4T is built by agents for agents, focusing on the needs and success of its agents rather than solely on profit.

　　For those interested in learning more about 4T Brokerage, including its services and agent opportunities, please visit 4T Brokerage.

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