Individuals getting started in Medicare sales or long time agents may be looking for the best FMO for Medicare agents to grow their business. A good FMO can make all the difference in the world for an agent. They can provide invaluable knowledge, tools and support and expand on the agents value to their community.
Because we offer contracts with all the major carriers as well as many smaller carriers, we ensure the client receives the best coverage to fit their needs. Making sure the clients are happy should the agents top priority. Not only do we work with Medicare products but, we offer ancillary products. This ensures clients can shop for all their coverage in one place. Our ancillary products include dental, vision, final expense and several life insurance options.
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When clients get all their coverage needs met in one place, it leads to better retention rates and stronger agent/client relationships. This helps agents maintain their book of business. It also ensures that clients go to the same agent with all their questions.
Click here for online contract and join the team at Crowe
It is easy to get selling with Crowe. There is no need for mountains of paperwork. Just fill out the online contracting kit. You will also need to send copies of your license, E&O , and a void check. The contract has a section for agents to indicate which companies they want to contract with. It is that easy. Agents can easily add carriers to their contract by filling out a link or sending an email to us.
Best FMO for agents – What we have to offer
Agents receive full compensation
Every agent contract we offer is for the maximum allowable commission. Agents receive pay directly from the carriers; we do not take any part of the commission you earn.
Click here for Medicare commissions 2025
Our agents are independent
If you contract with us, you work for yourself and decide what hours you put in. What you put in to your business is what you will get out of it. Because our agents receive their commission directly from the carriers, you own your book of business. If you decide to ask for a release, you take your clients with you. Our job is to provide guidance and support when you need it.
Medicare lead program
Our agents are eligible to receive up to $500 per month as reimbursement for Medicare marketing and lead costs. The only catch is; you must have all your Medicare contracts through Crowe. We do not impose production minimums to start and do not reduce your commission.
Click here to learn about our lead program.
Many ways to enroll a client
Due to the fact that we are partners with Pinnacle Financial Services, we can provide free quoting and enrollment tools. This allows clients to enroll in a plan in a way that is comfortable for them.
Voice signature
We offer many tools to quote and enroll that allow agents to use a voice signature. This includes Connecture, Sunfire and My Medicare Bot.
Click here to learn about My Medicare Bot.
Online enrollment with Connecture or Sunfire
Easily access online enrollment tools for Medicare Advantage, Supplement and Part D plans. All our agents have access to a personalized online enrollment platform. There is no need to meet clients face-to-face if they are not comfortable doing so. This saves valuable time for everyone when necessary. Agents can send prospects a link to compare plans and self enroll from either site.
Find out about the updates in Connecture and Sunfire for 2025
Paper application processing
Because some clients like to use paper applications, Pinnacle is one of the few uplines that still provides our agents application scrubbing & processing.
Additional product quotes
Agents who work with us have free access to Pinnacle’s online quote site. The site not only quotes and compares Medicare Advantage, Medicare supplement and Part D plans but includes; Final Expense, Term, UL, Hospital indemnity, vision and dental plans. Take a look at a site demo.
Turn-key seminar program
We offer agents a Medicare seminar program. This is a great option for agents who enjoy presenting invaluable information to those who need it. Our seminar program allows agents to get out and meet at least 40 to 60 T-65 prospects at each event. Many prospects are more comfortable when they meet an agent face-to-face and this is a great way to do it.
Each agent has access to a personal portal where the seminar registrants’ contact information is stored. This lets you follow up with those who want your help. All invites are sent out for you and all you have to do is book a venue, present your information and close the sale!
Learn the Details of Our Seminar Selling Program
Training webinars
We send out weekly invites to any agent who wants to learn about new products and regulations. All our webinars are available on our YouTube channel so you can view them at your convenience. Our videos cover many topics including: Sales strategies, enrollment and marketing rules, product knowledge, and how to use the sales tools available to our agents.
Take a look at our YouTube channel for some free training videos.
Additionally:
If you want help growing your book or building an agency, we are here for you. Agencies working with us can use our programs and tools to recruit and train agents. This includes our Medicare lead program. This program is a great help to new agents and provides incentive for them to join your agency.
Please note; each carrier has specific requirements for the various agency levels. We are here to help you get to the level you are want to be at. Up-line levels include GA, MGA and SGA levels.
Learn about our discounted E&O coverage; both agents and agencies can purchase our E&O.
Our E&O covers multiple lines of business including; Life, Health, LTC & FE as well as Annuities, both fixed and indexed
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