Straight answers, before you contract.

A boutique field marketing organization (FMO) for independent Medicare, health, life and annuity agents. Agents contract with top carriers through Topflight and get training, marketing support, a back office and a community called The Tribe.

Yes, from day one. Contracts are independent, there are no vesting schedules and no contract-length requirements, and your clients and renewals stay yours.

You schedule a one-on-one Google Meet opportunity call. Topflight asks to see your prospecting and appointment calendars, your current production, your vision for the business and what you are not getting from your current upline.

No. Taking on a new agent is an investment of time and resources, so Topflight looks for a mutual fit on culture, values and growth goals.

The Tribe community, 118+ on-demand training videos, co-op deals with national carriers, a custom CRM with branded client newsletters, free pre-AEP postcards and birthday cards at cost.

A $39 pre-licensing course through Topflight’s preferred provider, XCEL Solutions exam prep, a preferred CE provider, discounted AHIP through the Spark partner link and E&O coverage through Next Insurance.

Apply on the contracting page and book your opportunity call. Once approved, Medicare Advantage and most Med Supp carriers are requested through your Spark account; Physicians Mutual is requested through your immediate upline.

No. For Medicare Advantage you receive street-level commissions, usually paid directly by the carrier. Topflight earns its override from the carrier, not from your check.

Medicare Advantage state additions generally take a minimum of 3 days and up to a week. Medicare Supplement and ancillary timelines depend on the carrier and state.

Topflight is not aware of any carrier paying PDP overrides or PDP street-level commissions for 2027. Referral fees remain $100 for MA plans and $25 for PDP plans.

Complete the CMS Federally-facilitated Marketplace registration and training at cms.gov. Agents in the 22 state-based exchange states also need that state’s own certification.

Commissions are paid per member per month and vary by carrier and state. The ACA Command Center lists 2026 new business and renewal rates for Ambetter, Anthem, Cigna, Molina, Oscar and UnitedHealthcare.

Modified Adjusted Gross Income: wages, self-employment, investment, retirement and taxable Social Security income count. SSI, child support, gifts, workers’ compensation and loans do not.

Ameritas, Foresters and Mutual of Omaha ancillary products contract through the Premier SureLC link. Physicians Mutual final expense is requested through your immediate upline.

Yes. The Life Insurance Master Class in Topflight University covers term, whole life, final expense and IUL, and is included for contracted agents.

Annuities are sold under a life insurance license. Many states also require annuity-specific best interest training before your first sale.

Yes. Social Security Pro and Succession Planning courses in Topflight University are built for agents adding retirement products.

A supplemental product that pays cash or scheduled benefits for home-based nursing, therapy and home health aide care. It is not major medical coverage.

Yes, as a scheduled per-prescription benefit with an annual maximum by plan level. Kentucky GTL plans carry no Rx benefit.

Topflight’s training platform: 118+ on-demand webinars, a 3.5-hour New Agent Bootcamp and weekly live coaching.

Log in with your agent credentials. Access is included for contracted Topflight agents.

Yes. Many Topflight events are open to agents who are not contracted yet, including the Medicarians Vegas 2027 hosted ticket.

An AI-powered CRM and automation platform built with Topflight for insurance agents: follow-up sequences, lead routing, review requests and retention workflows.

Yes. The Topflight CRM exports your book at any time. You own your clients.

Submit the support form or email support@m.topflightagent.com. Contracted agents can also ask in The Tribe any hour of any day.

Submit one inquiry form per carrier. Topflight verifies and forwards the request and follows up as the carrier responds; most complete within 1 to 7 business days.

An agent’s total MAPD income is the base agent commission from the carrier plus the override from Topflight for your level. The schedule is published by carrier and level in the 2027 commission guide.

Yes. Releases are granted between January 2 and August 31. No release is granted within 90 days of marketing support or event sponsorship.