An Agency Built for Agents.
Who we are, what we do differently, and what you keep when you work with us.
We Built the Agency We Wished We Had.
We have served Medicare clients since 2011, learning the compliance rules, the client needs and the system complexity from the inside. Kitchen tables, senior-center lunches, county fairs in August, and more AEP seasons than we care to count.
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.
Releases are open, granted on request, with no fee. Working with us costs you nothing. Agents are contracted at street level or above, and agencies receive the maximum level available for their size and production. Anything we offer you, from marketing materials to branded gear, is at our cost. You are not our customer. You are our partner.
Built for Agents Who Want a Partner, Not Just a Contract
We welcome experienced Medicare agents and agencies, and professionals adding Medicare alongside P&C, benefits, financial, CPA, or other existing practices.
Licensed in 21 states: AL, AR, AZ, FL, IL, KY, MD, ME, MI, MO, MS, NC, NJ, NV, OH, PA, SC, TN, TX, VA, WV. Need another state or territory? We add them on request, including Puerto Rico and the U.S. Virgin Islands. Tell us where you are licensed or want to be.
Which sounds like you? Agency owner Captive or career agent New to Medicare Part-time or winding down Spanish-speaking clients
You might be a fit if you:
Are licensed in Medicare or are actively working toward it
Want to add Medicare to what you already do, or deepen a Medicare practice you’ve already started
Take compliance seriously and want to build a practice you can be proud of
Value mentorship and training infrastructure over just having access to carriers
Are looking for a long-term home — not just another contracting relationship
What You Keep
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.
Can I keep my other carriers?
Yes. Your carrier relationships stay yours.
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.
Do I have to recruit other agents?
No. For individual agents there is no downline, no recruiting expectation and no buy-in. Agencies: see the agency answer.
Do I need my own E&O?
Yes. Carriers require errors-and-omissions coverage for every appointed agent, and you carry your own policy. More on E&O in the FAQ.
Will you go after my agents or my clients?
No. We have no interest in taking your clients, and we do not contact your agents about moving unless you ask us to.
120+ National, Regional and Local Carriers
MedicareUnitedHealthcare · Humana · Aetna · Anthem Blue Cross Blue Shield · Wellcare · Devoted Health · Cigna · Medical Mutual of Ohio · CareSource · Highmark
Life & ancillaryMutual of Omaha · Physicians Mutual · Aflac · Ameritas · Bankers Fidelity · Foresters · Wellabe/Medico
And many more. Availability varies by state, licensing and contract. Carrier names are the property of their owners; listing does not imply endorsement.
A Long-Term Home, Not Another Contract
Most of the agents who work with us have been here for years. Renewals, annual reviews and referrals are where a Medicare practice earns its value, and our training and support are built around keeping the clients you already have as much as finding new ones. Agencies grow the same way: one good agent at a time, with the structure to keep them.
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.
Let’s Talk About Your Business.
The conversation starts with the business you have today and where you want to take it. If you have seen enough and are ready, start your contracting. If you would rather talk first, book a call.