What you sell
Good first lines are products people need all year, that one license covers, and that clients keep. These three are a good place to start.
You sell only in states where you are licensed, and each insurance company approves its own appointments.
Line 1
Seniors who want their funeral and final bills paid without leaving a burden behind.
What you need: A life license.
Line 2
People turning 65, and people who keep Original Medicare and want help with what it does not pay.
What you need: A health license. Drug plans also need AHIP and each insurance company's yearly certification.
Line 3
Young families and new homeowners who want the house and the bills covered if something happens.
What you need: A life license.
Later
Some lines take more training, more rules, or a steadier season. They come once your first book is working.
After AHIP and certification
Many seniors choose it. Insurance companies change these plans and their pay every year, sometimes in the middle of a season, so it is a hard line to build a new agent's business on.
After training
Longer conversations, more rules, and the annuity training your state requires. A strong second year line.
A later track
Key person and buy sell life, and health coverage for owners and small teams. It takes business to business selling.
The 2028 plan year
The federal Marketplace paused new agent registration until about February 2027, and open enrollment for 2027 ends January 15, 2027. Agents who register when it reopens can get ready for open enrollment in the fall of 2027.
Marketplace (ACA) plans
The federal Marketplace (HealthCare.gov) has paused new agent registration. Here is the plain timeline for an agent who is not registered yet.
Dates come from the federal government and can change. We will update this page when they do.
Finding clients
Your own network and referrals. They cost nothing and build a book that lasts.
Leads you choose to buy, at your own cost. Before you call, check that the consent record names you or your agency.
Lists from free public records. JXH Tech is building monthly lists of new businesses, owner operator truckers, and new homeowners in Dallas, Tarrant, Collin, and Denton counties, each one researched and checked by a person before it reaches an agent.
Honest mail. Letters that say plainly who sent them and that they are ads. No official look, no lender names, no deadlines.
Never: cold calls to people on Medicare, robocalls or marketing texts without signed consent, or anything made to look official when it is not.
Apply in about three minutes, or book a 15 minute call first. Independent (1099), commission only, and an active life and health license is needed to be contracted.
