Solved Solutions, compared.
Three comparisons written for evaluation rather than for winning. Each one says plainly where the other option is the better choice, because you will work that out anyway and we would rather you worked it out now.
All comparisons
Capability categories, not feature-count scoring. Each page covers carrier access, what comes with the contract, who owns the book, how support works, and where the other side wins.
Solved Solutions vs a traditional FMO
The closest comparison we make. Both are independent distribution; the difference is what comes with the contract and who owns the software you sell with.
View comparisonSolved Solutions vs going direct
The one option that genuinely removes an override. What you take on in exchange is every piece of administration, technology, and demand generation.
View comparisonSolved Solutions vs a captive agency
Salary, training, and supplied leads without carrying the risk yourself, next to independence with a wider shelf and a book you own.
View comparisonHow we write these
Comparison pages are usually written by the company that wins them, which is exactly why nobody believes them. We have tried to write these so that a producer who ends up choosing something else still finds the page worth the ten minutes.
Four rules. We compare categories rather than organizations, and we do not name a competing FMO or a carrier anywhere on these pages. We do not publish or compare commission levels, because a level depends on your production and your structure and any number printed on a website is a number nobody intends to honor. We do not invent limitations; where we say a capability is not typical of a category, we mean we could not find it in publicly documented materials, and we say so in those words. And every page names the situations where the other option is the better one, in the same size type as everything else.
There are real reasons not to contract here. A large national FMO has carrier breadth and scale that a focused organization does not, and if your production is concentrated with a carrier they hold at a good level, that is a serious argument on its own. Contracting direct with carriers genuinely avoids an override, which is the one advantage no intermediary can talk its way around. And a captive agency provides salary, structured training, and supplied leads without the producer carrying the risk, which is a reasonable trade for someone starting out or someone who would rather sell than run a business.
What we are good at is narrower. Carrier appointments for Medicare and final expense with the technology you sell with included rather than resold, a named person who chases a submission that stalls, and levels, advances, overrides, and statement reconciliation described before you sign. That is the case. If it is not your case, one of the other three pages will say so.
Read next
Comparisons describe the common shape of each category rather than any one product, and are based on publicly published materials.
FAQs
About these comparisons
Why only three comparisons?
Because these are the three things a licensed producer actually chooses between: stay independent with a traditional FMO, contract direct with carriers and take the administration on yourself, or go captive and trade independence for structure. Adding pages for options nobody weighs would be filler.
Do you name competitors on these pages?
No. We compare categories rather than organizations, because the shape of a category is a fair thing to describe and a specific competitor's terms are theirs to state and change. We also do not name carriers on these pages.
Do you publish commission levels or compare them?
Neither. Levels depend on what a producer writes, the carrier and product line, and the structure they sit in, so a published figure would be either meaningless or misleading. We describe how levels, advances, overrides, and statements work, and yours is documented for you in writing before you complete any packets.
When is a large national FMO the better choice?
When carrier breadth is the deciding factor. A national organization that has been placing business at volume for decades holds contracts with more carriers, in more states, across more product lines, and can usually get you appointed with the specific carrier your book already depends on. Scale also buys back-office depth during certification season and stability over a decade of renewals.
What is the honest case for contracting here?
You want carrier appointments and the technology you sell with to come from the same place, you want a named person who chases a stalled submission, and you want levels, advances, and statement reconciliation described plainly before you sign rather than discovered afterward. That is a narrower case than a national carrier list, and it is the one we can actually stand behind.
Something else? Contact us
The fastest comparison is a direct one.
Bring your carrier list, your states, and what is stuck today. We will tell you honestly whether we can improve on what you already have.