Built for Agency Owners Who Want to Keep What They Built.
We work with agencies as agencies, not as a pile of individual producers. Your book stays yours, your agents stay yours, and you talk with us directly.
Prefer to call? 1-800-658-0657
Four Things We Will Not Ask You to Give Up
Your client book
You own your client book. Working with Total Lifetime does not change that. Our role is to help you support and grow it, not take it away.
Your agents
We have no interest in taking your clients, and we do not contact your agents about moving unless you ask us to.
Your carriers
Your carrier relationships stay yours. You do not have to move your existing Medicare contracts, and the first step does not have to be tearing apart what already works.
Your freedom to leave
You can ask for a release at any time, even before you are contracted. We grant it right away. It is an open release at the carrier level, so your contracts move with you.
What an Agency Relationship Looks Like
We start by understanding how your agency operates and where you want to take it. Then we help with contracting, onboarding, training, compliance, technology and marketing.
General agency requirements
To operate as a general agency managing independent agents, you need at least five active agents, and the agency itself must also be writing business. The five-agent requirement applies only to general agencies, never to individual agents.
License-only agents under you
When an agency has license-only agents under it, the agency receives the full commission and decides how to pay those agents.
Contract level
Agencies receive the maximum level available for their size and production. Levels vary by carrier and by state, and you see each carrier’s schedule during contracting.
No Fees, No Buy-In, No Product to Buy
Working with us does not reduce your commission and does not add a fee. Our override is built into the commission structure carriers already pay under CMS guidelines, so it does not come out of your pocket.
Nothing to buy
No paid platforms and no courses to buy. Anything we offer you, from marketing materials to branded gear, is at our cost.
Direct access
You deal with the people who run the agency, and you get the founder’s personal cell number. No call center.
Compensation details are shared in a one-on-one conversation.
What Is Here Today, and What Is Finishing Now
We would rather tell you plainly than oversell.
Working today
- One-on-one Medicare training for you and your agents, by Zoom or in person.
- SmartEnroll, our compliant remote enrollment portal.
- Agent sites and booking calendars for your producers.
- Direct contact with the founder.
Finishing now, with TAP
- Each agent sees only their own clients. Prospects stay with the agent who owns them.
- Agency owners can be given visibility into their linked agents’ clients, agent by agent, when the link grants it.
- Changes to who can see what are recorded in an audit trail.
What the Conversation Is Like
- We start with the business you have today: your agents, your carriers and where you want to take the agency.
- Bring your current agreement if you have one. We will talk through what you are looking at. Check any non-solicit terms with your own attorney before you make a move.
- Before any contracting change is made, we explain how it affects your existing business.
- No obligation, and no decision needed on the call.
Let’s Talk About Your Agency.
Thirty minutes, no obligation. We will start with the business you have today.