Insurance types

Which type of insurance fits you?

Private Health (U65), ACA, Medicare, Indemnity, and Final Expense each have their own rhythm: different lead sources, different seasonality, different commission structures. Here's what to know before you pick.

U65

Private Health (Under 65 / U65)

Under-65 health coverage for people not yet Medicare-eligible: short-term, indemnity, and ACA-adjacent products for individuals between jobs, early retirees, or the underinsured. High-volume, often phone-heavy.

  • Lead source matters enormously. Ask inbound vs. outbound before anything else
  • Residual pay is rare here. Confirm whether the agency owns the resulting book
  • Turnover is high industry-wide, which is exactly why the agency matters more than the product
ACA

ACA (Health)

Affordable Care Act marketplace plans, sold primarily during open enrollment windows with a smaller special-enrollment tail the rest of the year. Seasonality shapes the whole job.

  • Income is seasonal. Ask how agencies structure pay in the off-season
  • Open enrollment timing drives lead volume and urgency
  • Ask directly whether any renewal/residual pay applies. Don't assume it does
Medicare

Medicare

Medicare Advantage and Part D plans for beneficiaries aging into eligibility. Governed by strict CMS marketing rules and requires AHIP certification annually.

  • AHIP certification is required every year. Confirm who covers the cost
  • CMS marketing rules are strict. Ask how compliance training works
  • AEP (Annual Enrollment Period) drives a heavy seasonal volume spike
Indemnity

Indemnity

Supplemental, gap-coverage products that pay a fixed benefit regardless of other insurance, often paired alongside a primary health plan rather than replacing one.

  • Understand how it's positioned alongside a client's primary coverage
  • Ask how leads are generated. Indemnity is often bundled with other pitches
  • Commission structures vary widely by carrier. Get specifics in writing
Final Expense

Final Expense (Life)

A life insurance product, not a health plan. Smaller policies, typically sold to older buyers, designed to help cover end-of-life costs. It requires a life license.

  • Lead source and buyer age shape the whole day. Ask inbound vs. outbound
  • Commission is usually paid on first-year premium, so ask how chargebacks work if a policy lapses early
  • Ask whether the agency owns the resulting book and whether any renewal pay applies

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