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Street Level vs LOA Contracts

    Home General Articles Street Level vs LOA Contracts
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    Street Level vs LOA Contracts

    Street Level vs LOA Contracts

    By Ed Crowe | General Articles | 0 comment | 19 March, 2025 | 0

    Medicare insurance agents have two primary contract structures to choose from: Street-Level and Licensed Only Agents (LOA) contracts. Both options have distinct advantages and drawbacks, depending on an agent’s career goals, experience level, and desired level of independence. Understanding the differences between street level vs LOA contracts can help agents make an informed decision about which path is right for them.

    Street-Level Medicare agent contract

    A Street-Level contract is a contract for independant agents. With this contract, agents receive full street commissions directly from the carriers; their upline does not take any portion of the amount. They own their book of business. In other words, if they wan tot change uplines, they keep all their clients. The upline has no claim to their business. Agents with street-level contracts typically have greater flexibility in how they operate their Medicare business.

    Watch our free YouTube training and informational videos

    LOA Medicare agent contract

    An LOA (Licensed only Agent) contract requires the agent to assign all or part of their commission to their upline agency. In return, the agency may provide office space, leads,marketing assistance, training and sometimes a base salary. LOA agents are considered part of an agency rather than independent brokers.

    Key Differences Between Street-Level and LOA Contracts

    FeatureStreet-Level ContractLOA Contract
    Commission OwnershipAgent receives full commission and renewalsAll or part of the commissions is assigned to the agency
    Book of BusinessAgent owns book of business – it goes with himAgency owns book – if agent leaves he loses all clients
    Income PotentialHigher long-term earning potential through renewalsMay include salary and/or lower commission splits
    Administrative ResponsibilitiesAgent handles compliance, contracting, and renewals – costs are on himAgency may handle many back-office tasks and may provide E&O
    Training & SupportLimited agency-provided training; agent must be more self-sufficientStrong agency support, mentorship, and resources
    Marketing AssistanceMust handle personal lead generation and marketingAgency often provides leads and marketing tools
    Flexibility & IndependenceFull control over business operations – flexible scheduleMust follow agency schedule, guidelines and sales processes
    Transitioning to IndependenceEasy to build and maintain a personal book of business and maybe an agencyDifficult to transition as the agency owns the clients – you start from 0 if you leave

    Street level vs LOA Contracts Pros and Cons

    Find out what the street level cmmissions are for 2025

    Street-Level Pros

    • Full commission ownership, including renewals
    • Control over carrier selection and sales strategy
    • Higher income potential over time
    • Flexibility to build a personal brand and business

    Street-Level Cons

    • Must handle marketing, lead generation, and compliance independently
    • No agency-provided salary, need your own funds to get started
    • Find a good upline or get no upfront support or guidance
    • Must be wellorganized with a strong business acumen and self-discipline

    LOA Pros

    • Agency-provides training, support, and mentorship
    • Less administrative burden, allows agents to focus on sales
    • Access to agency-generated leads and marketing resources
    • Possible salary or base compensation for stability

    LOA Cons

    • No ownership of commissions or book of business
    • Limited control over carriers and product offerings
    • Earnings may be less than independent agents
    • Difficult to transition to independent status; loss of clients

    See what Crowe can offer agents

    Deciding which contract is right for you

    Choosing between a street-level and LOA contract depends on your career goals, level of experience and work ethic.

    • New agents who need training, leads, and support may benefit from an LOA contract.
    • Experienced agents who want to maximize long-term income and control their business may be better off with a street-level contract.
    • Agents who prefer stability may appreciate the structured environment of an LOA contract, while those who are entrepreneurial may thrive with a street-level contract.

    Crowe offer our agents the freedon of Street level contracts with the support of an LOA contract.

    Click here for Crowe online contract

    Both street-level and LOA Medicare contracts offer unique benefits and trade-offs. Agents should carefully evaluate their financial goals, desire for independence, and need for support before making a decision. Whether choosing the independence of a street-level contract or the structured support of an LOA contract, the key is to select the option that aligns with long-term career aspirations in the Medicare insurance industry.

    Medicare Agent LOA contracting ,Medicare agent Street level contracting ,Medicare agetn contract types for new agents' whhat type of cotnract shoudl a new Medicare agent take ,Medicare contracts ,Street Level vs LOA Contracts ,What is an LOA contract ,why choose a street level contract over an LOA contract ,why consider a Street level contract for Medicare sales

    Ed Crowe

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