Documentation
Everything a contracted producer or agency principal needs to get appointed and stay ready to sell, in one document. Start with the contents below or use your browser find function.
Contents
11 sections. Every link below is an anchor into this page, so nothing here opens an empty article.
How to read this page
Four conventions hold across every section below.
- Timing is described, not promised. Carrier and state processing times vary and are outside our control, so nothing here quotes a guaranteed turnaround.
- Levels are not published. They depend on your production and structure and are documented for you directly. See how levels work.
- Readiness is per carrier, per state, per product. Almost every surprise in this business comes from treating it as a single status. See what ready to sell means.
- Agreements govern. This page describes practice. Your signed agreements with us and with each carrier are the terms.
Adjacent references
Three places that answer questions this document deliberately does not repeat.
Integrations and data access
What an agency can reach over an API: dialer contacts and dispositions, Solved Enroll clients and applications, lead posting, and production, hierarchy, and statement exports.
Open the referenceHelp center
The same ground organized by the question you arrived with, plus the answers to the things producers ask most often.
Browse by topicSystem status
Current state of the ten components we operate, the annual election period policy, and what to send when you report a problem.
Check statusGetting started
What a contract here includes, who it is for, and the shortest path from a first conversation to writing business.
What a contract includes
Contracting with Solved Solutions gets you two things. The first is carrier appointments for Medicare and final expense, at direct and top-level contracts, prepared and submitted for you rather than handed to you as a set of links. The second is the technology package: AgentTech Dialer, access to Solved Enroll, and access to exclusive leads from Solved Marketing.
The technology is included rather than resold because those companies share our parent, Solved Ventures. That distinction matters in practice: the platforms are not a subscription that lapses when your production dips, and support for them does not travel through a second company. See getting dialer seats and private beta access.
Who can contract here
Three groups. Independent licensed producers writing Medicare or final expense; agency owners with a downline or a sales floor who want to onboard producers through one process; and licensed agents who are new to the senior market and want a structured start rather than a login and a carrier list.
The requirement in all three cases is an active insurance license in the appropriate lines. We do not sponsor pre-licensing, and we cannot appoint an unlicensed person. See an active resident license.
The contracting path end to end
Three steps. First, tell us about your book: what you write, which carriers you already hold, your states, and whether you have a downline. This is where we tell you if we are not a fit, which happens and is better said early. Second, complete appointments: your producer profile is collected once, we prepare and submit the carrier packets, and a named contact chases anything that sits. Third, launch production: dialer seats, quoting access, and lead delivery configured with someone alongside you.
The part we control moves quickly. The part we do not control is carrier processing, and if you need a release from a current organization that adds time to the front of the sequence. See release from a current FMO.
Documents to have ready
- A copy of your resident license and any non-resident licenses.
- Your National Producer Number.
- Your errors and omissions certificate, showing the expiry date.
- A voided check or banking details for commission payment.
- A resume or a short work history covering the last several years, with any gaps explained.
- Explanations and documentation for anything that will appear on a background screening.
- If you are moving, the carrier list you are moving and any release correspondence you already have.
Collecting these before the first packet is what turns contracting from weeks into days. Everything is collected once and reused across every carrier submission.
Your named contact
Every contracted producer has a named person on the contracting desk rather than a shared inbox and a ticket number. That person prepares your packets, watches for returns, and chases carriers when something sits. During the annual election period the desk runs extended hours, because that is when a stalled submission is expensive.
General questions go to contact@solvedsolutions.insure or +1 (866) 415-6192. Current operational state for everything we run is on the status page.
Worked example: the onboarding checklist
This is the actual shape of the checklist a producer is worked through. Items marked as blocking stop the next item from starting, which is why the order is not negotiable.
ONBOARDING CHECKLIST producer: J. Rivera NPN: 00000000
--------------------------------------------------------------
[x] 01 Intake call completed book, states, structure
[x] 02 Resident license verified BLOCKING
[x] 03 NPN record checked name + address match
[x] 04 E and O certificate on file expires after season BLOCKING
[x] 05 Background screening cleared BLOCKING
[x] 06 Banking details captured
[x] 07 Release requested 2 of 3 carriers granted
[ ] 08 Non-resident license: state 2 applied, pending
[x] 09 Carrier packet A submitted approved
[x] 10 Carrier packet B submitted approved
[ ] 11 Carrier packet C submitted returned: missing page 7
[x] 12 AHIP completed correct plan year
[x] 13 AHIP transmitted to carriers A, B pending C
[ ] 14 Carrier certifications A done, B in progress
[ ] 15 Ready to sell verified by carrier + state + product
[x] 16 Dialer seat provisioned
[x] 17 Solved Enroll access requested private beta
[ ] 18 Lead delivery configured if purchasing
[ ] 19 Hierarchy confirmed in writing if downline
[ ] 20 First production review booked
Item 11 is the normal failure mode, and it is why packets are prepared here rather than forwarded to you. Item 15 is the one producers most often assume rather than verify; see verifying status per carrier and state.
Contracting requirements
The six things every carrier packet needs, and the one extra thing that applies if you are coming from another organization.
An active resident license
You need an active resident insurance license in the lines of authority that cover what you intend to sell. For Medicare and final expense that generally means life and health, though the exact naming varies by state. The license has to be active, not pending, and not inside a lapse that a renewal will fix later.
We verify the license before a packet goes out, because a carrier appointment cannot be issued against an inactive license and a rejected packet costs more time than the check does. See resident license and lines of authority.
Your National Producer Number record
Your National Producer Number is the identifier carriers use to find you, and everything on your packet is checked against the record behind it. A name spelled differently, a former address, or a missing license line on the record is enough to hold a packet up.
Check the record before contracting rather than after a return. Name, address, license lines, and state list should match what is on your packet exactly. See address and name changes.
Errors and omissions coverage
Carriers require errors and omissions coverage in force, and they check the expiry date rather than simply confirming a policy exists. Coverage that expires in the middle of a selling season will be flagged, and an appointment can be held until it is renewed.
Upload the certificate itself rather than a screenshot of a portal, and make sure the named insured matches the name on your license. If you write through an agency entity as well as personally, tell us, because the certificate may need to name both.
Background screening and disclosures
Carrier appointments involve a background screening, and the questions on a packet ask about criminal history, regulatory actions, bankruptcies, terminations, and unresolved debts to carriers. Answer them accurately. A disclosed item with an explanation is a normal part of underwriting a producer; an undisclosed item found in screening is a different conversation entirely.
If something is going to appear, tell your named contact before the packet goes out and send the supporting documentation with it. Prepared explanations move quickly; discovered ones do not.
Banking details for commission payment
Commission is paid electronically, so banking details are collected during onboarding. Some carriers collect their own banking details directly on the packet, and some pay through the hierarchy. Your named contact will tell you which applies for each carrier you are being appointed with.
Banking details and the documents that carry them are sensitive. How they are collected, transmitted, and retained is described on the security page. Never send them as a plain email attachment; use the upload in the contracting portal.
Release from a current FMO
If you are currently contracted with another organization, most carriers will not move you into a new hierarchy without a release from the organization currently above you, and many apply their own waiting period on top of it. Release is granted carrier by carrier, and partial release is a normal outcome.
We will tell you honestly what release usually requires and whether this is the right month to start, including when the answer is to finish the season where you are. The mechanics are described at length in moving FMOs without stranding your book.
Licensing and non-resident licenses
Resident licenses, adding states, renewals, and the way licensing gates everything downstream of it.
Resident license and lines of authority
Your resident license is issued by the state you live in and carries specific lines of authority. Selling Medicare Advantage, Part D, Medicare Supplement, and final expense generally requires accident and health and life authority, but state naming and grouping differ, so confirm against your own state rather than against a general description.
If you are adding a product line you have not sold before, check that your existing license actually covers it. Adding a line to an existing license is usually faster than a new license, but it is not instant.
Adding non-resident licenses
To write in a state you do not live in you need a non-resident license there. Most states issue non-resident licenses on the basis of your resident license without a further examination, which is why the application itself is usually straightforward.
Decide your state footprint before you start applying. A non-resident license is easy to obtain and carries ongoing renewal obligations, so collecting states you will not actually sell in creates work rather than opportunity.
Typical timing, and what slows it
Processing time varies by state and by time of year, and no state guarantees a turnaround. Straightforward non-resident applications are often quick, while anything requiring fingerprints, additional background documentation, or a correction to your producer record takes noticeably longer. Treat any timeline you are given as a planning estimate rather than a commitment, and build slack in front of a selling season.
The three things that most reliably add time are a mismatch between your application and your producer record, an unanswered background question, and applying during the weeks when everyone else is also applying.
Renewals and continuing education
Licenses renew on state-specific cycles and usually require continuing education credits completed before the renewal, not after. A lapsed license suspends the appointments that depend on it, which means a lapse discovered during a selling season is worse than a license you never had.
Renewals are tracked as part of onboarding and reviewed ahead of certification season. If a renewal is coming due, you will hear about it before the deadline rather than after the lapse.
Address and name changes
Update your producer record when you move or change your legal name, and update it promptly. Carriers match packets, appointments, and commission records against that record, and a stale address is a common reason a submission is returned without an obvious explanation.
Tell your named contact when you make the change so that packets in flight are corrected rather than rejected.
How licensing gates appointments
The order runs one way. A carrier appointment is issued against an active license in a specific state, and a certification is applied to an appointment. Work forward from whatever you happen to finish first and you wait three separate times. Work backward from the date you need to be selling and you wait once.
This is the single most useful thing to understand about season preparation, and it is the reason the timeline in getting ready to sell before AEP is written in reverse.
Certifications and training
AHIP, carrier product certifications, the transmission step people skip, and how to schedule a season without retakes.
AHIP
AHIP is the industry Medicare training most carriers accept in place of part of their own annual training. It is plan-year specific, becomes available ahead of the season, and includes an assessment with a limited number of attempts before a waiting period applies.
Do it first, and do it early. It is the item most likely to need a second attempt, and a retake in August is an inconvenience while a retake in October is a lost week.
Carrier product certifications
Each carrier requires its own annual certification covering its products, its compliance rules, and its enrollment process. These open on carrier-specific schedules through the summer and early fall, and they are required per carrier, per plan year, and often per product line.
Completing one carrier does not credit another, and completing a Medicare Advantage certification does not always cover a Medicare Supplement or an ancillary line from the same carrier. Check the product line, not just the carrier name.
Transmitting completions to carriers
Finishing AHIP is not the same as a carrier knowing you finished it. The completion has to be transmitted to each carrier that accepts it, and the transmission step is skipped far more often than the training is. A producer who has done everything and cannot sell is frequently a producer whose completion never arrived.
Certification tracking here records both the completion and the transmission, per carrier. If one is recorded and the other is not, that is a visible gap rather than a surprise on the first morning of the season.
Plan year and product line traps
Certification portals commonly display several plan years and several product families at once, and the default selection is not always the one you want. Completing the correct training for the wrong plan year is one of the more demoralizing ways to lose an afternoon.
Before you start, confirm three things: the plan year, the carrier, and the product line. Afterward, confirm the completion is recorded against the same three.
Scheduling certification season
Space certifications out rather than stacking them into one long week. Assessments have attempt limits and waiting periods, so a bad afternoon in a compressed schedule pushes into the following week and then into the one after that.
Order them by how much each carrier contributes to your production. If you run out of time, you want to be fully ready on the carriers that matter and partially ready on the ones that do not, rather than evenly incomplete everywhere.
Platform and product training
Separate from carrier requirements, we run live sessions on the dialer and the quoting tool rather than sending a video library, and product training on what each carrier actually underwrites and where cases get declined. Producers new to the senior market get a structured first thirty days.
Certification makes you allowed to sell. Product training makes you effective at it. They are different problems and both are worth scheduling.
Ready-to-sell tracking
What the status actually means, what it depends on, and how to verify it instead of assuming it.
What ready to sell means
Ready to sell is a carrier determination that you may market and submit a specific product, in a specific state, right now. It is not a single approval and it is not a property of you as a producer. It is the intersection of a carrier, a state, and a product line.
That is why a producer can be ready to sell and unable to submit at the same time: ready with carrier A in one state, not yet ready with the same carrier in the state the client actually lives in.
The dependency chain
Three things have to be simultaneously true. An active license in that state, in the correct lines. A completed and transmitted certification for that carrier, plan year, and product line. An approved appointment with that carrier in that state, with background screening and errors and omissions satisfied.
Any one of them being false takes the status down, and the status will not tell you which one it was unless someone looks. See common blockers.
Verifying status per carrier and state
Verify rather than assume, and verify at the level of carrier, state, and product line. The absence of bad news is not readiness. Ahead of a season, check the carrier portal itself and record what you saw with a date, because a status can change when a license or a certification underneath it changes.
Readiness here is tracked against what the carriers report rather than against what we submitted. Submitted is a step; approved is a step; ready to sell is the only one that lets you write.
Partial readiness
Partial readiness is the normal state during a season ramp and the most common cause of a surprise. You are ready with most carriers in most states, and the exception is the one a client walks in with.
Work the exceptions deliberately. Rank the missing combinations by how likely they are to come up in your actual book, close the top few, and note the rest so a producer on your desk does not quote something they cannot submit.
Common blockers
- A non-resident license that is still pending, or one that lapsed at renewal.
- AHIP completed but never transmitted to that carrier. See transmitting completions.
- A certification completed for the wrong plan year or the wrong product line.
- An appointment approved in one state and not in another.
- Errors and omissions coverage expiring before the effective date.
- A packet that was returned incomplete and never resubmitted. See returned and incomplete packets.
Every item on that list is visible in advance. None of them is visible if nobody looks.
Commissions, advances, and statements
How levels work, how advances differ from as-earned, and how a statement is reconciled against what you actually wrote.
How levels work
Your contract level depends on what you write, which carrier and product line it is, and how your structure is set up. It is discussed directly and documented for you in writing before you complete packets. We deliberately do not publish a table of levels, because a published figure is either disconnected from your situation or a number nobody intends to honor at renewal.
What you should expect is specificity: your placement by carrier and product, what moves it, whether movement is automatic on production or discretionary, and the structure of any override. If an organization will not put that in an email, that is information too. See the commissions page.
Advance versus as-earned
As-earned means commission is paid as the carrier collects premium. An advance means a portion of the expected first-year commission is paid up front and then recovered against the premium as it is collected. Availability differs by carrier and sometimes by product, so this is a carrier-by-carrier answer rather than an organizational policy.
The trade is cash flow against exposure. An advance moves money forward and creates a balance that a lapse will reverse; as-earned is slower and leaves less to unwind. Which one suits you depends on how you sell and how persistent your book is, and that is a conversation worth having before you pick, not after your first chargeback.
The statement cycle
Carriers produce commission statements on their own cycles, and those cycles are not aligned with each other. A policy written at the end of one carrier period and the start of another can appear later than an identical policy written a day earlier, which is normal and not evidence of a problem.
Statements are collected, matched against the business recorded as submitted, and made available to you. What you should be reading is the reconciled view, not a forwarded carrier document, because the forwarded document cannot tell you what is missing from it.
Worked example: reconciling a statement
Reconciliation is a comparison of two lists: what you submitted in a period, and what the carrier paid in the corresponding period. The useful output is not the total. It is the short list of rows that do not match, and the reason for each.
| Submitted policy | Statement result and action |
|---|---|
| Policy 1, Medicare Advantage, effective first of month | Paid as expected. No action. |
| Policy 2, Medicare Advantage, effective first of month | Paid as expected. No action. |
| Policy 3, Medicare Supplement, submitted late in the carrier period | Not on this statement. Expected on the next cycle because of the period boundary. Flag and recheck rather than escalate. |
| Policy 4, final expense, issued | Not on the statement and past the expected cycle. Escalate to the carrier with the application number and the issue date. |
| Policy 5, final expense, issued | Paid, but against a different policy number than the one on our submission record. Carrier reissued the policy. Update the record so the next reconciliation matches. |
| Policy 6, Medicare Advantage, written in a prior period | Chargeback applied. Confirm the lapse date with the carrier, confirm the recovery amount against the original advance, and notify the producer. See chargebacks. |
| Policy 7, ancillary attach, issued | Paid at a different level than expected. Raise with the carrier as a hierarchy or level question, not as a missing payment. |
Four of those seven rows need no action, two need a carrier conversation, and one is a record correction on our side. That ratio is typical. The reason reconciliation is worth doing every cycle rather than annually is that rows four and seven get harder to resolve the older they are.
When a commission is missing
Send the carrier, the application or policy number, the effective date, and the statement period you expected it in. With those four items a missing commission becomes a lookup. Without them it becomes an investigation.
We chase the carrier rather than telling you to, and you get told the outcome either way, including when the outcome is that the business was recorded differently than you remembered. A discrepancy that is quietly dropped is the thing this process exists to prevent.
Chargebacks
A chargeback reverses commission when a policy lapses, is cancelled, or is rescinded inside the carrier recovery window. If the business was advanced, the recovery is against the advance balance. Rules differ by carrier and by product, and the recovery window is a carrier term, not ours.
You should be told about a chargeback when it appears rather than discovering it in a net figure. If you believe one is wrong, send the policy number and what you know about the lapse, and it gets worked with the carrier like any other discrepancy.
Renewals
Renewal commission continues on business that stays in force, on carrier-specific schedules that vary by product line. Persistency is therefore worth as much attention as production, and it is reported alongside it.
How renewals are paid, and what happens to them if you were to leave, are contract terms you should read before you sign rather than after. We will answer both questions directly, and the discussion of why they matter is in how to actually evaluate an FMO.
Hierarchy and overrides
How a downline is structured, how overrides are paid, and how a structure change is applied properly rather than promised.
How a hierarchy is structured
A hierarchy is the chain of contracts above a writing producer at a given carrier. It determines who receives override compensation on that producer's business and it exists per carrier, which means your structure can legitimately look different at different carriers.
Your structure is documented and visible to you rather than described. If you cannot see it, you cannot check it, and an override you cannot check is a number you are taking on faith.
How overrides work
An override is compensation paid to a position above the writing producer, based on the business that producer writes. It is set per carrier and per product line, and like contract levels it is documented for you directly rather than published.
Two things are worth establishing in writing at the outset: how the override is calculated, and what happens to it if a producer in your downline leaves, moves, or stops producing.
Onboarding a downline
Producers in your downline go through the same onboarding as anyone else: license verification, errors and omissions, background screening, carrier packets, certifications, and ready-to-sell verification. The difference is that you can see the state of all of them in one place instead of asking each producer.
If your producers are moving from another organization, each of them has their own release and their own waiting periods. Plan a group move carrier by carrier and producer by producer rather than as a single event.
Promotions and structure changes
Level changes, promotions, and restructures are submitted to the carrier and applied to the hierarchy rather than agreed verbally and remembered later. Carriers apply them on their own timelines, and a change applied mid-period can split a statement across two structures.
Ask for confirmation once a change is applied, and check the next statement against it. This is the point at which most hierarchy disputes could have been avoided.
Downline reporting
Production, persistency, and readiness are reported by producer across your structure, broken out by carrier, product, and state. For an agency principal that is the difference between managing a desk and guessing at one.
Exports for an agency principal are described in the integrations and data access reference.
AgentTech Dialer setup
Seats, campaigns, caller identity, recording, and the client record. AgentTech Dialer is a sister company, so access comes with the contract.
Getting seats
Dialer seats are provisioned as part of onboarding rather than bought separately. Tell your named contact how many writing agents need access and whether any of them need supervisor visibility across a floor.
Provisioning is one of the components on the status page. The dialer platform itself is operated by AgentTech and publishes its own status.
Campaigns and queues
Work is organized into campaigns. A campaign holds its own dialing behavior, its own list, its own caps, and its own routing to agents. Inbound queues handle calls coming back, including callbacks from people you dialed earlier.
Set campaigns up before a season rather than during it. Building a campaign in the first selling week is time spent on configuration instead of conversations.
Numbers and caller identity
Outbound calling identity matters more than most producers expect, because analytics services label numbers based on calling patterns and a labeled number costs answer rate. Use numbers appropriate to the geography you are calling and keep behavior consistent.
Calling behavior is also a compliance question. Time-of-day rules, do-not-call obligations, and consent apply to your calling regardless of the platform, and the platform gives you the controls rather than the responsibility.
Recording and compliance scoring
Calls can be recorded, and AI compliance scoring runs against the recordings to flag the things a supervisor would flag if a supervisor could listen to every call. For a desk selling regulated products, that is a review process rather than a feature.
Recording consent varies by state and is your obligation. Build any required announcement into the call flow rather than into a policy document nobody reads.
The client record
The dialer carries a built-in client record, so the call, the disposition, and the notes live with the person rather than in a spreadsheet beside the dialer. Dispositions are the raw material for everything you will later want to measure, so agree on them as a desk before the season.
For quoting and enrollment against the same client, see one client record.
Programmatic access
Agencies running their own systems can reach contacts, calls, and dispositions over the AgentTech API and receive events as they happen, which is how a downstream agency management system stays current without anyone rekeying.
Endpoint-level detail and the credentials path are in the integrations and data access reference.
Solved Enroll access
Multi-product quoting and enrollment from one client record. Currently in private beta, with access provisioned through contracting.
Private beta access
Solved Enroll is in private beta with a public rollout planned for 2027. Contracted producers can request access during onboarding, and access is provisioned in groups rather than all at once. Treat it as a platform you are helping shape rather than a finished product with a published feature list.
Provisioning status is on the status page. The platform itself is operated by Solved Enroll, which publishes its own availability.
One client record
The premise is that a senior market client is one person with several needs rather than several unrelated sales. One record carries the client across Medicare, life, and ancillary lines, so a conversation that starts on a Medicare Advantage plan does not require rekeying to quote a final expense policy.
That record is also what makes an attach sale practical during the same session instead of scheduled for a callback that does not happen.
Quoting across products
Quoting runs across the carriers and product lines you are appointed with. What you can quote follows your ready-to-sell status, which is the correct behavior: a quote you cannot submit is worse than no quote, because it has already been said out loud to a client.
If a product you expect to see is missing, the usual cause is a readiness gap rather than a platform gap. See verifying status per carrier and state.
Submitting an application
Applications are completed and submitted from the same client record, which is how incomplete submissions get caught before they reach a carrier instead of being returned a week later. Required fields and carrier-specific rules are applied as you go.
Anything the carrier subsequently returns is handled through the normal escalation path; see escalating a pending application.
API and MCP access
Agencies that run their own systems can work with clients, quotes, and applications over the Solved Enroll API, and there is a Model Context Protocol server for teams whose tooling speaks it. Both are part of the beta and are provisioned the same way access is.
Details are in the integrations and data access reference.
Lead delivery setup
Exclusive Medicare, life, and final expense leads from Solved Marketing, and how they reach the desk that works them.
Programs available
Three verticals: Medicare, covering Advantage, Part D, and Medicare Supplement across the annual election period, the Medicare Advantage open enrollment period, year-round special enrollment, and age-in; life; and final expense, with the monthly budget captured at acquisition.
Lead programs are priced per lead by vertical and are purchased separately from the contract. Nothing about your contract, your level, or your platform access depends on buying them.
What exclusive means here
Exclusive means sold once, to one buyer, and never resold later as an aged lead. That is possible because the demand is generated in house by Solved Marketing rather than bought from an aggregator, which is also why the consent record travels with the lead.
Consent captured at acquisition includes the exact disclosure language shown, the timestamp, the address it was submitted from, and the page. It is stored per lead and retrievable on request.
Delivery paths
Four paths: native into an AgentTech Dialer campaign, native into a Solved Enroll client record, an HTTP post to an endpoint you name, or a webhook. Delivery happens on submission rather than in a nightly batch, which is the difference between calling someone who just filled in a form and calling someone who has forgotten they did.
Pick the path during setup and test it end to end before you start paying for volume. A delivery path that was never tested is the most expensive kind of configuration error.
Filters and geography
Filters are applied before delivery: phone validation, duplicate suppression across programs and time, state and county geography matched to where you are licensed, age and product fit, and any disqualifiers you supply.
Geography filters should match your actual licensing rather than your ambition. A lead delivered into a state you are not appointed in is a lead you cannot work. See adding non-resident licenses.
Pacing and caps
Daily and hourly caps control volume, and delivery windows control when leads arrive so they land while someone is there to dial them. Delivery can be paused without penalty. Capacity for the annual election period is reserved in advance, because that is when everyone wants the same weeks.
Set pacing against how many people are actually dialing, not against how many leads you would like. Unworked leads age quickly and there is no version of that arithmetic that comes out well.
Credits and returns
Credit criteria are defined in writing before you buy, with a stated submission window. The intent is that a pattern of credits triggers a look at the program rather than only a refund, because a program that keeps producing creditable leads is the actual problem.
Submit credits inside the window with the reason. Credits raised months later are difficult to evaluate for anyone.
Carrier submission and escalation
Preparing a packet, tracking it, and what happens when a carrier goes quiet.
Preparing a packet
A carrier packet is assembled from the producer profile collected once during onboarding: license copies, National Producer Number, errors and omissions certificate, work history, background disclosures, banking details where the carrier collects them, and the carrier's own forms.
Packets are prepared and submitted here rather than forwarded to you, because incompleteness is the largest single source of avoidable delay and it is easier to prevent than to fix.
Submitting and tracking
Each submission is tracked by carrier and state with a state value rather than a vague status: submitted, in review, returned, approved, and then ready to sell once certification and licensing line up behind it.
Approved is not the finish line. See what ready to sell means.
Returned and incomplete packets
A returned packet is the most common delay and the most recoverable one, provided somebody notices. The usual causes are a missing signature on one page, an errors and omissions certificate expiring before the effective date, an address that does not match the producer record, or an unexplained gap in work history.
Returns are watched for here rather than waiting for you to spot one. When something comes back, you are told what is needed and the correction goes out the same way the original did.
When a submission stalls
Carrier contracting queues lengthen sharply as a season approaches, and a packet submitted in September sits behind a great many others. A stalled submission is chased by your named contact rather than left to age, and you are told what the carrier said.
If you want to escalate something yourself, send the carrier, the state, the producer name or National Producer Number, and the submission date. Those four items turn a chase into a lookup.
Escalating a pending application
Business you have written can stall too: a pending underwriting requirement, a missing signature, a replacement form, or an application that simply has not moved. We chase the carrier so you can keep selling rather than spending a morning on hold.
Send the application number, the carrier, the effective date you were expecting, and what the last communication said. If the application came through Solved Enroll, the submission record already carries most of that.
When we cannot get an appointment
Sometimes the answer is no. A carrier may be closed to new appointments in a state, may not appoint through our hierarchy, or may decline a specific producer. We will say so plainly rather than leaving a packet open indefinitely.
If you write a carrier we do not currently hold, tell us. Adding one is a real conversation with a real timeline, and it is a better conversation than pretending a gap is not there.
FAQs
Documentation questions
Why is all of the documentation on one page?
Because contracting is one process and splitting it into dozens of article pages hides the dependencies that cause the delays. Everything is on this page, the contents at the top jumps to any section, and your browser find function works across the whole document.
Why are there no specific processing times?
Because carriers and state departments of insurance do not publish guarantees, and a number quoted here would be a guess dressed up as a fact. Where timing matters we describe what typically slows a step and what you can do about it, and your named contact will tell you what a specific carrier is doing right now.
Where are the commission levels?
Deliberately not published. Levels depend on what you write, the carrier and product line, and your structure, so they are documented for you directly before you complete packets rather than advertised. How levels, advances, overrides, and statements work is described in the commissions section above.
Is this document the contract?
No. This describes how the process works in practice. Your actual terms are in the agreements you sign with us and with each carrier, and where the two differ the agreements govern. Read them, and get a lawyer if the amounts involved justify one.
Something here is wrong or out of date. Who do I tell?
Email contact@solvedsolutions.insure. Documentation corrections go to the same desk that submits the packets, so a wrong description of a step gets fixed by someone who runs it.
Something else? Contact us
Ready to start contracting?
Your producer profile is collected once, we prepare and submit the carrier packets, and a named contact chases anything that sits.