For agents and agencies
Contract once, then sell with the stack. Direct and top-level appointments for Medicare and final expense, with the dialer, the quoting platform, and exclusive leads included instead of resold.
Why producers join
Three reasons, and they are the same three every time. Everything else on this page is detail underneath them.
Access
Carrier contracts that stick
Direct and top-level Medicare and final expense appointments, with a hierarchy that matches how you actually run your book.
- One producer profile, reused across every carrier submission.
- A named contact who chases the carrier when a packet sits.
- Honest answers about release if you are coming from another FMO.
Tools
Technology included
The platforms our parent company builds come with the contract rather than as a second subscription.
- AgentTech Dialer for queues, outbound dialing, CRM, and compliance scoring.
- Solved Enroll for quoting and enrollment from one client record.
- Onboarding done live, with someone sitting alongside you.
Pipeline
Demand you can work
A contract without demand is a filing cabinet. Exclusive Medicare, life, and final expense programs are available from day one.
- Exclusive means sold once, to one buyer, and never resold as an aged lead.
- Generated in house by Solved Marketing rather than bought from an aggregator.
- Delivered natively into your dialer campaign, not batched overnight.
The Solved stack advantage
This is the part a carrier list cannot match, and the reason most producers move a contract here.
- AgentTech Dialer. Inbound queues, outbound dialing, a built-in CRM, call recording, and AI compliance scoring on recorded calls.
- Solved Enroll. Multi-product quoting and enrollment across Medicare, life, and ancillary from a single client record. Currently in private beta, with a public rollout in 2027.
- Exclusive leads from Solved Marketing. Medicare, life, and final expense programs, sold once and delivered into your dialer. Priced per program and purchased separately from the contract.
- Solved Insurance, when it is approved. Proprietary products are in development and pending state approval. Nothing is on sale yet, and our contracted field will place them first.
- Why we can do this. Same parent company, Solved Ventures. We are not reselling somebody else’s software back to you at a markup.
Who we are looking for
Three kinds of producer, and a different first conversation for each one.
Licensed producers already writing senior market
Life and health licensed agents writing Medicare Advantage, Part D, Medicare Supplement, or final expense today. You know the products. What you want is an appointment level that reflects your production, a dialer that does not fight you, and someone who answers in October.
- Medicare Advantage
- Part D
- Medicare Supplement
- Final expense
Agency owners with a downline or a sales floor
You already recruit, and contracting is the part that costs you weeks. Onboard a roster through one process, keep the hierarchy and the overrides visible rather than implied, and hand every new producer a technology package on their first day.
- Downline contracting
- Visible hierarchy
- Agency reporting
Agents new to the stack
Strong closers coming from another line, or producers who have been writing on paper and a personal cell phone. You do not need five disconnected systems explained to you. You need a structured first thirty days and product training that covers where cases actually get declined.
- Structured onboarding
- Product training
- Certification tracking
What we expect in return
An FMO relationship is a two-way agreement, so here is our side of it stated plainly.
- You hold the licenses. An active resident life and health license, an NPN, and the non-resident licenses for the states you intend to write. We cannot appoint an unlicensed producer, and we will not pretend otherwise to keep a conversation going.
- You keep certifications current. AHIP and carrier product certifications completed ahead of the annual election period, not during it. A lapsed certification does not just stop a sale, it can stop a commission on business you already wrote.
- You keep E&O in force. Errors and omissions coverage is a carrier requirement rather than our preference, and a lapse mid-season takes appointments down with it.
- You work the leads you buy. Exclusive means the lead was sold once, so an unworked lead is nobody else’s problem to salvage. If you buy a program, dial it, and tell us if the contact rate is not what you expected.
- You tell us when something is not working. A carrier that keeps declining your cases, a lead program that is not converting, a platform step that slows your day down. Most of it we can fix. None of it we can fix silently.
Be honest with yourself first
This is not a fit if
- You are not licensed yet and you want someone else to fund the course and the exam.
- You want a contract level quoted before anyone has talked about what you write and how your structure works.
- You plan to ask for a release the moment a better offer appears. Contracting is administrative work for both sides, and doing it twice a year costs you production.
- You are looking for free leads. Lead programs are priced per program and purchased, the same as they would be anywhere.
- You want the technology without the contract. AgentTech Dialer and Solved Enroll sell on their own sites; the included package comes with the appointment.
- Your book sits outside Medicare and final expense. A property and casualty or group benefits practice deserves a specialist, and that is not us.
Your first thirty days
A short version of the contracting path. The full detail, including what slows each step down, is on how contracting works.
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Days 1 to 3: the fit conversation and your profile
What you write, which states you are licensed in, whether you are solo or bringing producers, and what release looks like if you are leaving another FMO. Licenses, NPN, E&O, and history are collected once so you are not filling in the same form for every carrier.
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Days 3 to 10: carrier packets go out
We prepare and submit the appointment packets rather than forwarding you links, and a named contact follows anything that stops moving. Carrier processing time is the part of this nobody controls, and we will tell you which carriers are slow right now.
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Week 2: platform onboarding
A dialer seat, inbound queues, CRM fields, quoting access, and lead delivery configured on a live call. If you bought a lead program, this is where delivery is pointed at the right campaign so nothing sits in an inbox.
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Weeks 3 and 4: first business
As carriers come back ready to sell, you start writing. Case-level help on the cases you are working, escalation on a submission that sticks, and statements reconciled against what you actually wrote.
One honest caveat
The parts we control move in days. Carrier processing does not, and neither does a release from a current FMO. We would rather tell you that up front than sell you a thirty-day promise we cannot keep on every carrier. See the realistic timeline.
What you can place
Medicare Advantage, Part D, and Medicare Supplement, final expense whole life, and the ancillary lines that attach to a senior market sale.
See the productsHow you get paid
Levels, hierarchies, advance versus as-earned, chargebacks, and how carrier statements get reconciled against what you wrote.
How commissions workWeighing your options
How this compares with a traditional FMO and with going direct to carriers, including the advantages each of those genuinely has.
Compare the optionsFAQs
Questions producers ask first
Do I need to be licensed before I contract?
Yes. We contract licensed producers, so you need an active resident life and health license, an NPN, and errors and omissions coverage in force. We do not run licensing courses or pay for exams. If you hold a resident license and need non-resident licenses for states you intend to write, we track those with you as part of onboarding.
I am already contracted with another FMO. What happens?
It depends on the carrier and on your current agreement. Some appointments move with a simple transfer, others require a written release, and a few require you to wait out a period with no production. We will tell you which is which before you start rather than halfway through, because discovering a release requirement in week three is the single most common way contracting stalls.
Do I have to buy leads from Solved Marketing?
No. Lead programs are quoted and purchased separately from the contract, and plenty of producers here work their own book or their own marketing. The leads are an option that happens to be unusually good, because they are generated in house, sold to one buyer, and delivered straight into the dialer.
Can I bring my downline?
Yes, and it is a normal conversation here. Your producers onboard through the same single process, your hierarchy is documented rather than described verbally, and you get production and persistency reporting across the structure. Start on the agencies page if you run a desk or a roster.
What will my contract level be?
That depends on what you write and how your structure is set up, so it is a direct conversation rather than a published table. What we will tell you before you sign is exactly how your level works, whether advance or as-earned is available on each carrier, how overrides work if you have a downline, and how statements get reconciled. See how commissions work.
I am new to the senior market. Is that a problem?
Not if you are licensed and willing to be coached. New producers get a structured first thirty days: certification tracking ahead of AEP, live platform onboarding rather than a video library, and product training focused on what each carrier actually underwrites. What we cannot fix is a producer who will not dial.
Something else? Contact us
Tell us what you write.
One conversation about your book, your states, and your structure. If we are not a fit, we will say so on that call.