New here? Start with a short conversation about your business. You decide what happens next.
Build Your Medicare Practice
With Real Support.
Keep your book and your carriers, pay no fees, and get a real person on the phone when a client question comes up.
30 minutes, no obligation. Tell us your state and we’ll confirm which carriers are available there.
Meet Our Founder
We have served Medicare clients since 2011, learning the compliance rules, the client needs and the system complexity from the inside. We built this agency on education, compliance and real support, not volume recruiting or contract fees. You deal with the people who run it, and you get the owner’s personal cell number. When you need him, you talk to him. No call center. Why Total Lifetime →
Since 2011 in Medicare21 states licensed120+ carriers
Prefer to talk now? 1-800-658-0657
Sophia, our AI assistant, answers 24/7 and connects your call.
Monday–Thursday, 9–7:30 ET · 7–5:30 MT · 6–4:30 PT
Friday, 9–4 ET · 7–2 MT · 6–1 PT
What Agents Ask Us First
Do I keep my client book?
Yes. You own your client book. Working with Total Lifetime does not change that. Captive or career agent? Read this first.
What if it is not a fit?
You can ask for a release at any time, even before you are contracted, and we grant it right away. It is an open release at the carrier level, so your contracts move with you.
Does working with you cost me anything?
No. Our override is built into the commission carriers already pay under CMS guidelines, so it does not come out of your pocket. We never upsell you. Anything we offer you is at our cost. You are not our customer. You are our partner. Agents contract at street level or above; agencies at the maximum level available. Full answer.
How and when do I get paid?
In almost all cases, directly by the carrier once you are contracted. You receive each carrier’s commission schedule during contracting, before you sign anything. See how first-year payments work.
Agents Who Built Their Practice With Us
From zero to 450+ clients.
“Total took me from starting out to knowing I’m truly helping the people I meet with. I now have more than 450 clients, and I wouldn’t have a single one without the Total team.”
K.N.Independent agent · Ohio · 450+ clients
32 years in the business.“Truly an agents’ agency. After working in the insurance industry for the past 32 years, I have found them to be honest, knowledgeable and personable.”
One-on-one consultation.“Total Lifetime has helped us tremendously in the growth of our agency. They are available for individual consultation, offering insight & motivation that has directly led to a measurable increase in our business.”
Training and a tailored marketing campaign.“They have helped me in every step of establishing myself in the senior health and life insurance field. From regularly scheduled, local in-person training to helping me develop and implement a tailored marketing campaign, they are MY agency!”
Partners are identified by initials at their request. Testimonials reflect individual experiences. Results vary.
What You Actually Get When You Partner With Us
Here is what contracted agents receive, in plain terms. More on why we built it this way →
Compliance Guidance
CMS rules change every year. We stay current and help you stay compliant, because your license matters.
Real Medicare Training
Structured onboarding and ongoing Medicare training, by Zoom or in person. Medicare has been our specialty since 2011.
Direct, Experienced Support
You reach people who know Medicare, contracting and compliance, not a support line.
Marketing & Community Growth
Free turning-65 leads, co-op funds, lead programs, materials, AI videos and portraits, with a full marketing team behind you.
A Long-Term Home
Mentorship and infrastructure for agents who want a practice to grow into, not just a contract.
More Than an Upline. An Operating System for Your Practice.
Your own Agent Site, a booking calendar, SmartEnroll for compliant remote enrollment and the training portal are working today. TAP, our agent portal, is in development.
Let’s Talk About Your Business.
Book a 30-minute conversation about your practice, your goals, and whether Total Lifetime is the right fit. No contracting pressure.
Join the List, Get the Guide.
Join the Agent Insider list and we send you our free guide, 7 Questions to Ask Any Upline Before You Contract, plus first notice on new training, CE events and tools. Licensed agents only, so we ask for your NPN.