What our field places
A senior market and life protection shelf chosen so a contracted producer can serve a client completely: Medicare, final expense, and the ancillary lines that attach to both. Focused on purpose, because depth on the carriers our field writes beats a carrier list nobody uses.
Medicare, all three ways a client can buy it
Advantage, standalone Part D, and Medicare Supplement are three different sales with three different clients, and an agent who can only write one of them ends up talking a prospect into the product they happen to hold.
- Medicare Advantage, including MAPD. County-level plan availability, provider networks, and drug coverage inside one plan. The season drives it: the annual election period, the Advantage open enrollment period, year-round special enrollment periods, and age-in clients turning 65.
- Standalone Part D. Drug coverage for a client who keeps original Medicare, usually alongside a Supplement. Formulary tier and pharmacy choice decide the real cost, and the late enrollment penalty is the conversation nobody has until it is too late.
- Medicare Supplement. Sold by plan letter rather than by network, with rate class and underwriting doing the work. The Medigap open enrollment window and guaranteed issue situations decide whether health questions apply at all, which is most of the case.
- Written year-round, not just in the fourth quarter. Special enrollment periods, age-ins, and Supplement business run all year. An agency built only for the annual election period spends ten months looking for something to do.
Final expense, the line this group knows best
Simplified issue whole life, sized to a funeral bill rather than an income replacement calculation. It is a small policy with a big job, and it is the product the people who built this company have personally sold.
- Simplified issue, not fully underwritten. Health questions and a prescription history check instead of a paramedical exam and a six-week wait. The client answers, and the answer is usually known in the same conversation.
- Level, graded, and modified benefit structures. Knowing which health answers push a client from one to the other is the difference between an agent who places cases and an agent who submits them.
- Priced against a monthly budget. Most final expense conversations start with what the client can afford per month, not with a coverage amount. The carrier shelf matters because the same health profile prices differently across it.
- Persistency is the whole game. Draft dates that match when the client is actually paid, honest expectations at the kitchen table, and a client who understands what they bought. A book that lapses in month four pays nobody.
- Replacement handled properly. Existing coverage gets reviewed rather than ignored, because a replacement that cannot be justified is a chargeback and a complaint waiting to happen.
The ancillary lines that attach to a senior sale
These are not filler. They cover what a Medicare client is actually exposed to, and they give you a reason to talk to that client in June instead of hoping they remember you in October.
Dental
The gap clients notice first. Annual maximums, waiting periods, and how major services are covered decide whether the plan is worth what it costs, and those are the details a client will call you about later.
Vision
Exams, frames, and lens allowances. Small premium, high usage, and one of the easiest attaches in the senior market because nearly every client already buys glasses out of pocket.
Hearing
Hearing aids are a real cost and a common surprise. Whether the benefit is an allowance or a network discount changes the value entirely, which is exactly the kind of detail that builds trust when you explain it plainly.
Hospital indemnity
Cash paid directly to the client for a covered inpatient stay, which is why it pairs so naturally with an Advantage plan that carries per-day copays. The one ancillary product clients tend to understand immediately.
Accident
Benefits for the injuries that actually happen to older clients: a fall, a fracture, the ambulance and the follow-up. Priced low enough that it rarely competes with the main sale.
Critical illness
A lump sum on diagnosis of a covered condition, used for the costs a health plan was never built to cover. Definitions and exclusions matter more here than in any other ancillary line, so it is a product to sell carefully.
The shelf, and what is actually placeable today
Everything marked live is business a contracted producer can write now, subject to appointment, state, and certification. Solved Insurance products are not, and we will not blur that line to make a page look better.
| Line | Status | What it covers and who it fits |
|---|---|---|
| Medicare Advantage and MAPD | Placing now | Plan availability by county, provider networks, and drug coverage in one plan. Requires annual certification for the plan year plus carrier product training. |
| Part D, standalone | Placing now | Drug coverage for clients staying on original Medicare. Usually written alongside a Supplement, and often the reason a Supplement client calls you back. |
| Medicare Supplement | Placing now | Plan letters with rate class and underwriting, written year-round. Guaranteed issue and the Medigap open enrollment window decide whether health questions apply. |
| Final expense whole life | Placing now | Simplified issue, level to modified benefit depending on health answers, sized to burial and end-of-life costs and sold against a monthly budget. |
| Dental, vision, and hearing | Placing now | The three benefits clients ask about most after a Medicare enrollment, and the easiest attach in the book. |
| Hospital indemnity | Placing now | Cash benefits for covered inpatient stays. Pairs directly with the per-day copay exposure inside many Advantage plans. |
| Accident and critical illness | Placing now | Benefits triggered by an event rather than by a bill. Written as protection around the main sale rather than as a substitute for it. |
| Solved Insurance proprietary products | In development | Pending state approval and not for sale. Designed to be placed first by this contracted field once approved, rolled out state by state. |
Solved Insurance products, when they are approved
The reason this FMO exists inside a group that also builds products. When the proprietary shelf clears approval, the field that places it is already contracted, already trained, and already working owned demand.
Solved Insurance products are in development and pending state approval. Nothing is for sale, no product is approved in any state today, and nothing here should be read as an offer of coverage. What follows describes design intent.
Solved Insurance operates as Solved Re Inc., the products and MGA business inside Solved Ventures. The first product in development is a simplified issue final expense whole life design, which is the same line most of our field already writes. That is deliberate. A proprietary product is only worth building if the distribution that places it already understands the client, the objections, and the underwriting.
The intent is that owned acquisition through Solved Marketing removes the lead aggregator margin, and that the underwriting model removes manual review cost. Whether that produces a product worth placing is a question for the day it is approved, not a promise to make in advance. Approval is a state-by-state process and it moves at the speed of regulators.
What we will commit to now is sequence: producers contracted here are the first distribution these products are offered through, state by state as approvals land.
Why the shelf is focused rather than endless
Every FMO recruiting page brags about the size of its carrier list. Ask the next question and it usually falls apart: who in the building has written that carrier this year, and what happens when a case goes sideways with it.
A long list is cheap to publish. Depth is not. Depth means somebody here knows which health answer that carrier declines on, how long it actually takes to issue, which agent portal quietly loses uploads, and who to call when a policy is sitting unissued in week three. That knowledge does not scale to forty carriers nobody writes.
So the shelf is built around what the field actually places, and it grows where the field pulls it. If you write something we do not have, tell us and we will look at it. If we cannot get the appointment, or cannot get it at a level worth having, we will tell you that too.
Chosen for the field
Carriers our producers write, in the states they write them, rather than a list assembled to look impressive on a recruiting page.
Enough to route a case
Enough depth that a client who does not fit one carrier's underwriting has somewhere else to go, instead of becoming a declined case nobody follows up on.
Added on request
Tell us which carrier and what you write with them. We will look at adding it, and we will be straight about whether we can get it.
Honest about gaps
There are appointments we cannot get you, and saying so early is worth more than a maybe that costs you a season.
Where to go from here
Contracting
What a carrier packet requires, how appointments are tracked, and how a release actually works.
Get appointedTechnology included
The dialer, the quoting and enrollment platform, and the exclusive leads that come with a contract.
The stackCommissions
Levels, advance versus as-earned, chargebacks, renewals, and how statements get reconciled.
How it worksFor carriers
What a product partner gets from this distribution, and the partnership shapes we discuss.
For carriersAlso worth reading: what contracting looks like for independent producers, for agencies and IMOs, and how the whole process runs.
FAQs
Questions about the product shelf
Which lines can I write once I am contracted?
Medicare Advantage, standalone Part D, and Medicare Supplement; final expense simplified issue whole life; and the ancillary lines that attach to a senior market sale, which are dental, vision, hearing, hospital indemnity, accident, and critical illness. Which carriers you are appointed with inside those lines depends on your states, your certifications, and what you actually write.
Why is the carrier list focused instead of as long as possible?
Because a long list is easy to publish and hard to support. Depth on the carriers our field actually writes is worth more than breadth nobody uses: we know their underwriting, we know where their cases get declined, we know how fast they issue, and we know who to call when something sits. A shelf of forty carriers where nobody in the building has written thirty of them is a marketing asset, not a distribution asset.
What if I write a carrier you do not have?
Tell us which one and what you write with them. If it fits the shelf and the field, we will look at adding it. If we cannot get it, or cannot get it at a level worth having, we will say so rather than stringing you along. Producers usually hold contracts in more than one place, and there is nothing wrong with keeping a carrier where it is.
Are Solved Insurance products available to sell?
No. Solved Insurance products are in development and pending state approval, and nothing is for sale. When they clear approval they will be released state by state, and the contracted field here will be the first distribution to place them. Anything you read about them describes design intent rather than an approved product.
Do ancillary products actually matter, or are they filler?
They matter for the two reasons that show up in a book over time. They cover the things a Medicare client is genuinely exposed to, which is what dental, hearing, and a hospital stay actually cost, and they give you a reason to be on the phone with a client between enrollment periods. A client you have spoken to in June is far less likely to be someone else's switch in October.
Can I write final expense and Medicare with the same carriers?
Sometimes, and it is worth not assuming. Some carriers sit on both sides of the senior market and some specialize in one. The appointments, the certifications, and the compensation structures are separate even when the carrier name is the same, so we treat them as separate appointments and track them that way.
Something else? Contact us
Tell us what you write today.
Send your lines, your states, and the carriers you already hold, and we will tell you honestly where this shelf helps you and where it does not.