For agencies and IMOs
If you run a downline or a sales floor, contracting should unlock production rather than generate paperwork. One process for your producers, a recruiting offer that is genuinely better, hierarchy maintained properly as you grow, and reporting that tells you who is actually writing.
Contract the downline through one process
Every agency owner has done the version where each producer chases each carrier on their own. It produces the same week every time: four people half-appointed, two who stalled on a missing E&O certificate, and nobody able to tell you which of them can write in which state.
- One profile per producer, reused. Licenses, NPN, E&O, background answers, banking, and training captured once, then used on every carrier packet that producer needs.
- Packets prepared and submitted for them. Your producers sign; we assemble, check, and send. Your recruiters stop being a contracting department.
- Status you can see across the roster. Who is appointed, who is pending, and what specifically is outstanding for each producer, rather than a weekly round of asking.
- Ready-to-sell by carrier and state. The answer to whether a producer can take this call, for this carrier, in this state, today. Derived from appointment, license, certification, and E&O rather than typed in by someone hopeful.
- Renewals watched across everyone. Non-resident licenses, continuing education, E&O, and next season's certifications tracked for the whole roster, so one lapse does not take a producer offline mid-season.
Your recruiting offer gets better without costing you more
A producer choosing between agencies is comparing four things: their level, the leads, the training, and the tools. Most agencies can improve exactly one of those, usually by giving up margin.
Tools you do not have to fund
AgentTech Dialer with its built-in CRM, access to Solved Enroll for quoting and enrollment, and access to exclusive leads come with the contract rather than out of your override. You are not buying seats to make your offer competitive.
A first week that produces
A new producer who is dialing real demand on a configured system in their first week is a producer who stays. The ones who quit usually quit during the dead fortnight between signing and their first conversation.
A reason experienced agents move
A producer with a book is not moved by enthusiasm. They are moved by something specific that they do not have, and a consolidated stack they are currently paying three vendors for is specific.
Training you do not have to build
Platform onboarding, product training on what carriers actually underwrite, and certification tracking, run as part of contracting rather than assembled by whoever on your floor has time.
Coaching that works on live calls
Supervisor listen, whisper, and barge means your best closer can save a new producer's case in the moment instead of reviewing the loss on Friday. That single feature changes how fast a floor ramps.
Compliance you can evidence
Recording, transcription, and AI compliance scoring on recorded calls give you something to show a carrier that is asking questions about how your floor sells, which is a conversation more agencies are having every year.
Hierarchy maintained as your structure changes
Structures are not static. Producers get promoted, a top writer builds their own downline, someone leaves, and two of your agents merge their books. Each of those is a change that has to land correctly at every carrier or it becomes a commission dispute six months later.
Set it correctly at the start
Your structure is built at each carrier before the first case is written, and confirmed back to you in writing. This is the week of work that prevents the year of cleanup.
Changes applied properly, not promised
A promotion or a restructure is submitted to the carrier, tracked until it is accepted, and confirmed. Verbal agreements about levels are how good relationships end.
Visible rather than implied
You can see your hierarchy, the levels inside it, and how overrides are structured. If a producer asks you how their level works, you should be able to answer from a record rather than from memory.
Departures handled without drama
Producers leave. What happens to their business, their renewals, and your override is governed by the carrier contract, and the time to understand it is before it happens rather than during.
Reconciled against what was paid
Overrides are matched against production on your downline, so a missing month on one producer surfaces as a question rather than disappearing into a net figure.
Agency-level reporting, in the four dimensions you manage by
Every agency owner ends the week with the same four questions. The reporting is organized around answering them rather than around what was easy to build.
| Dimension | Availability | The question it answers |
|---|---|---|
| By agent | Available | Who is writing, who has slowed down, and who has quietly stopped. The earliest warning you get about a producer you are about to lose. |
| By carrier | Available | Where your production is concentrated, which matters for negotiating and for understanding your exposure if one relationship changes. |
| By product | Available | Whether your floor is selling the mix you think it is, and whether ancillary lines are actually attaching or just appearing in the pitch. |
| By state | Available | Where your licensed footprint is producing and where you are paying for non-resident licenses that nobody is using. |
| Ready-to-sell status | Available | Which producers can take which calls today, by carrier and state, with the outstanding item named for everyone who cannot. |
| Call activity and compliance | In the dialer | Dials, talk time, dispositions, and AI compliance scores on recorded calls, from the platform your producers already work in. |
| Quoting and enrollment activity | Private beta | Case-level visibility inside Solved Enroll, which is in private beta with a 2027 public rollout. |
A new producer's first 30 days
The month that decides whether the producer you just recruited is still with you in the spring. Most agencies lose people in the gap between signing and the first real conversation, so the structure is built to close that gap.
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1
Week one, paperwork and platform at the same time
The producer profile is built and packets go out, and in parallel the dialer seat is configured, the CRM is set up, and they learn the system they will live in. Waiting for appointments before touching the platform wastes the only week where a new recruit has undivided attention.
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2
Week two, product and objections
What each carrier actually underwrites, which health answers change the outcome, and where cases get declined. Certification work runs alongside it. This is product training rather than a slide deck about how great the opportunity is.
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3
Week three, live calls with supervision
Real conversations as appointments confirm, with a supervisor able to listen, whisper, and step in. A new producer saved on a live case learns more in ten minutes than in a week of role play.
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4
Week four, their own pipeline
Working their own demand, submitting their own cases, with call reviews built from recordings and compliance scores rather than from opinion. By now the question is coaching, not onboarding.
When you should not move your downline
A recruiting page is a strange place for this, but an agency that moves at the wrong moment loses a season, and everyone involved knows it was avoidable. These are the situations where the right advice is to wait.
Mid-AEP, or in the run-up to it
Carrier processing slows exactly when everyone submits, certifications are already done for the plan year, and your producers have appointments they are actively using. Moving a downline in the fourth quarter converts your best selling weeks into administration. Talk in the spring and move in the summer.
When release terms would strand producers
If your book is concentrated with a carrier that will not release, and its waiting period would leave producers unable to write there, moving everyone at once takes income away from people who trusted you. Map the release position carrier by carrier first, and move in stages if you move at all.
Mid-certification or mid-pipeline
Producers who are partway through certification for the coming plan year, or carrying cases that have not issued, should finish first. An unissued case in a hierarchy that is being changed is the classic way a commission goes missing.
When the honest answer is that it will not help
If your current shop is contracting you well, paying correctly, and answering the phone in October, the tools are the only real argument and you should weigh them on their own. We would rather be a clear no than an expensive maybe.
What an agency owner reads next
Contracting
Packet requirements, ready-to-sell tracking, and what release actually involves.
ContractingCommissions and overrides
How levels are set, how overrides divide a total, and how statements get reconciled.
How it worksTechnology included
The package your producers get, and the reason your recruiting offer improves.
The stackProducts we place
Medicare, final expense, and the ancillary lines your floor can attach.
The shelfAlso worth reading: what contracting looks like for your individual producers, what we offer carriers and product partners, and how the process runs end to end.
FAQs
Questions from agency owners
What changes for my agency if we move here?
Three things, in order of how quickly you notice them. Your producers get contracted through one process instead of each of them chasing carriers separately. Your recruiting offer changes, because a dialer with a CRM, a quoting and enrollment platform, and access to exclusive leads is a materially better package than most agencies can put in front of a candidate. And your hierarchy stops being something you hope is right at each carrier, because it is maintained deliberately.
Can I keep my existing hierarchy structure?
Where the carriers allow it, yes, and where they do not we will tell you before you commit rather than after. The structures agencies care about, which are keeping your producers underneath you and keeping your override intact, are normal requests. The work is in getting them set up correctly at each carrier at the start, because retroactive hierarchy corrections are painful for everyone.
How does recruiting actually get easier?
Because the offer gets better without costing you more. A producer comparing agencies is weighing level, leads, training, and tools. Most agencies can move one of those. Here the technology package comes with the contract rather than out of your margin, which means you can offer a dialer with a built-in CRM, access to a quoting and enrollment platform, and access to exclusive leads without funding it yourself.
What reporting do I get across my downline?
Production by agent, by carrier, by product, and by state, plus ready-to-sell status so you know which producers can actually take a call in which states. The point is being able to answer the question every agency owner has at the end of a week, which is who is writing, what they are writing, and who has quietly stopped.
When should an agency not move its downline?
Mid-AEP, almost always. Also when release terms would strand some of your producers, when your book is concentrated with a carrier whose waiting period would leave people unable to write, or when your producers are mid-certification for the coming plan year. There is a right season for this and it is not the fourth quarter. We would rather tell you to wait than watch a downline lose a season.
Do my producers have to buy leads from Solved Marketing?
No. Lead programs are priced and purchased separately from contracting, and agencies run their own marketing all the time. What is included with a contract is the platform package. The leads are an option, and a good one because they are generated in house and sold to one buyer, but nobody is required to buy them.
Something else? Contact us
Bring us your roster and your timing.
Tell us how many producers you carry, which carriers your book sits with, and where your structure is today. We will map the release position and tell you honestly whether now is the right season to move.