How It Works
From Contracting to Your First Commission – and Beyond
Partnering with us means you get the structure, support, and carrier access needed to build a profitable Medicare business without the complexity of going it alone.
Here’s how it actually works.
Getting Contracted
We start with a conversation about your background, goals, and what you’re looking for. Experienced agents discuss book transfer and preferred carriers. New agents focus on training timeline and market selection.
No pressure. Just clarity on whether this partnership makes sense.
You’ll need an active Life, Accident and Health (LAH) license in your state. Already licensed? Great – we move forward. Need to get licensed? We’ll point you toward the right resources and requirements for your state.
Once licensing is confirmed, we handle carrier contracting. This typically takes a few business days to a week depending on carrier requirements and background check processing.
You fill out applications. We manage the process and follow up with carriers directly.
Before you start selling, you complete compliance training and product-specific training required by carriers. This protects your license and ensures you understand the plans you’re offering.
New agents get additional onboarding covering Medicare basics, enrollment periods, common situations, and sales fundamentals.
Day-to-Day Support
Medicare Advantage, Medicare Supplement, Prescription Drug Plans – each has nuances. We provide training on plan types, carrier-specific products, formularies, networks, and how to match clients with appropriate coverage.
Ongoing training keeps you updated on plan changes, new products, and regulatory updates.
How to handle objections. How to explain benefits clearly. How to navigate enrollment platforms. How to position ancillary products. Real coaching from people who’ve actually sold Medicare.
New agents get more hands-on guidance. Experienced agents get advanced strategies and market-specific insights.
Medicare sales are heavily regulated. We provide guidance on what you can and can’t say, documentation requirements, scope of appointment rules, and state-specific regulations.
Compliance mistakes cost licenses. We help you avoid them.
Lead programs vary by market and production level – we’ll discuss what’s available in your area. Marketing materials, presentation tools, enrollment guides, and proven sales strategies all provided.
We also help agents develop referral strategies that generate consistent business without constant lead purchases.
Questions about commissions? Contracting issues? Carrier problems? Client service needs? We handle the back-office complexity so you can focus on clients and sales.
Fast response times. Real people. Honest answers.
We provide a complete CRM platform featuring personalized marketing materials, your custom webpage, book of business reports, and carrier enrollment management. These tools handle client relationship tracking, pipeline management, and business scaling without you having to build systems from scratch.
Built-in lead generation and marketing automation keep you focused on closing sales while the platform manages the infrastructure.
Building Your Book
New agents typically focus on learning products, building confidence, and writing their first policies during Annual Enrollment Period (October 15 – December 7). Many agents also work Special Enrollment Periods throughout the year for qualifying life events.
Goal: Write solid business, avoid compliance issues, develop a system.
With experience under your belt, year two focuses on growing volume and developing referral sources. Your first-year renewals start paying out while you’re writing new business.
Compound effect begins.
Experienced agents scale through referrals, repeat clients aging into Medicare and consistent marketing. Your book generates renewal income while you continue writing new business.
Build an asset, not just a paycheck.
What You Can Sell
All-in-one plans replacing Original Medicare. Often include prescription drug coverage plus dental, vision, hearing. Popular with clients wanting simplicity.
Plans that work alongside Original Medicare to cover gaps. Standardized plans (A, B, D, F, G, K, L, M, N) with predictable benefits.
Standalone drug coverage for clients with Original Medicare. Formularies and networks vary by carrier.
Dental, vision, hearing plans. Hospital indemnity coverage. Final expense insurance. Products that complement Medicare coverage and generate additional commission.
Commission Structure
Upfront Commissions
Competitive first-year commissions on new enrollment. Rates vary by product type and carrier.
Renewal Income
Ongoing commissions as long as policy remains in force. Builds year after year as your book grows.
Performance Bonuses
Many carriers offer production bonuses and incentive trips for high-performing agents.
We’ll discuss specific commission details during contracting based on carriers you choose to work with.
Common Agent Questions
Full-time experienced agents can build six-figure businesses through consistent production and renewal income buildup.
Results depend on effort, market, and how consistently you work the business.
We provide training specifically for new agents. You learn product knowledge, sales fundamentals, compliance requirements, and enrollment processes before writing your first policy.
Many successful Medicare agents had zero insurance experience when they started.
Yes. Experienced agents can transfer existing Medicare business. We’ll discuss commission structure, carrier availability, and transition timeline during initial conversations.
We work with agents nationwide. Carrier availability and lead programs vary by state and region.
Not required. Lead availability varies by market and production level. We also help agents develop self-generated referral strategies that build sustainable businesses without constant lead purchases.
You decide. Part-time agents often work Annual Enrollment Period heavily and handle Special Enrollment Periods throughout the year. Full-time agents work year-round building referral sources and serving clients.
Flexible schedule, but success requires consistent effort.
Ready to Get Started?
If you’re ready to build a Medicare business with strong support and carrier access, let’s talk. Most contracting completes within a few business days. Training starts immediately. We work with both new and experienced agents nationwide.
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