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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.

Watch a YouTube video to see what we can offer you

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

More Agency Programs and Benefits – Click here

Medicare FMO companies

Because there are so many Medicare FMO companies to choose from agents need to carefully consider what each one has to offer before they choose one to contract with.

We will start by explaining what an FMO is.  FMO stands for Field Marketing Organization.  These organizations specialize in the support of independent insurance agents as well as agencies.  They form partnerships with insurance carriers to provide marketing, sales and service resources to their downline agents/agencies.

The difference between an FMO, IMO & NMO

IMO or independent marketing organization operates similarly to an FMO, the difference is the compensation level.  These terms are both top-tier levels of carrier hierarchies. Some marketing organizations use these terms interchangeably.

Just to make things more confusing, we will throw in the term NMO, this stand s for National Marketing Organization and is another top of hierarchy level. For many carriers this is the top level of contracting.  Reaching the NMO level as with the FMO & IMO levels is no small achievement.  Because each carrier has its own hierarchy levels, it can be tricky to define these terms.  In the world of Medicare, some FMOs are not actually the top of hierarchy.

Find out why you should consider Crowe for your FMO

Other contracting levels

Some of the other contracting levels are Street, GA, MGA & SGA the name of the level depends on the carrier and each one signifies a level in contracting that provides higher overrides. If you have an agency, you need to decide how you pay your downline agents.  They can receive full street commissions directly from the carriers or you can decide to contract agents as LOA and you can make any type of payment arrangement that both parties can agree on.

CMS currently has a proposal in the works that may change the way the entire industry is structured.  The proposed rule we are talking about is CMS-4205-P. This rule could stop agents from using FMOs for product distribution and leave them without a support system.

Watch a video to see what this proposal could mean for the Medicare business

What does an FMO do

FMOs play a crucial role in providing support to their agents.  Here are some of the ways an FMO provides this support:

1. FMOs should provide training to their downline agents.  Agents at every level need some type of training whether it is for the basics, product updates and additions compliance, or sales. Agents need to stay up to date on several areas, so they can provide clients with the best plan options.  Crowe offers agents many types of training that include webinars, zooms, our website and YouTube channel as well as one on one phone consults and in-person meetings.
2. They need to have partnerships with several local carriers that ensures their downline have a large variety of products to offer.
3. FMOs provide help with contracting that make the entire process easier than trying to get it done on your own.
4. Agents must be complaint with all CMS’ rules and regulations; therefore, it is important that FMOs make sure their downline agents are updated and equipped to conduct themselves in an ethical way. Click here for tips to pass the 2024 AHIP..
5. The top FMOs invest in up-to-date technology and tools that make sales a smooth process for their agents.  We offer online quoting and enrollment tools that include both Sunfire and Connecture.
6. One important element in Medicare sales is marketing.  An FMO offers tools that include marketing dollars, lead generation programs and provide help to agents in any way they can so they reach their full potential.

Join the team at Crowe – click here for online contracting

How to choose an FMO

Because there are so many FMOs who want to contract agents, it can be difficult to choose one.  It is important that agents ask questions, so they are comfortable with their choice and do not need a release.  Be sure the FMO offers the programs you feel will provide the best guidance for you.  It is also important to discuss how you are paid.  If you receive full street direct from the carrier or if you will be LOA.

Do you want to ensure you own your book of business or are you comfortable writing and building someone else’s book?  Do they offer the most competitive carriers in your area, so you can provide clients the best options possible?

Does the FMO offer marketing money, lead money and guidance on how to make sales and maintain your book of business?  Do they provide free tools to help you conduct your business in an efficient manner.

As you can see, there are many things to consider when choosing an FMO.  This is a decision that needs to be considered carefully before you sing on the dotted line.

See what Crowe has to offer

Medicare FMOs play a pivotal role in the success of insurance professionals by helping them navigate the complexities of Medicare sales. By providing comprehensive support, training, and access to a variety of insurance products, FMOs help agents to better serve their clients and thrive in the ever-evolving Medicare market.

Choosing the right FMO is an important decision that can significantly impact an agent’s career.  This means, it is essential to evaluate all the options and choose a partner that aligns with individual and business goals.

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Best FMO for Medicare

Looking for the best FMO for Medicare agents?  Crowe and Associates offers agents and agencies access to a enrollment platforms, lead money, training and support.  Agents can access a number of Medicare carriers in all 50 states.  In addition, Crowe provides access to other lines of business such as life, final expense, annuities, LTC, health and indemnity products.  Read below for information on a number of the benefits we offer to insurance agents.

A different perspective for agents and agencies

Crowe and Associates started as a one agent without a single Medicare client.  As a result, we know personally what it takes to build a Medicare book of business and then to build an agency.  We share this experience with our agents.  Wether they want to build up a profitable book of business or start to recruit and grow and agency, we have the blueprint to help them do it.  Our agent programs were designed based on real experience of what agents need to be successful.  We are an independently run office in Connecticut which is backed by Pinnacle Financial Services to provide agents with support in a number of areas.

Best FMO for Medicare:  Turn-key turning 65 seminar program

Our Turning 65 educational Medicare seminar program averages over 50+ prospects per seminar.  Agents can focus their time on presenting and writing business instead of worrying about generating attendance.  We work with agents on the best practices for their educational seminar from start to finish.  Sample presentations are available along with hands on guidance and training.  Best practices such as where to hold the event, when to serve the meals, ideal presentation time, follow up and all other aspects are covered. Crowe offers 50% toward the cost of the first seminar and $500 toward all future seminars.  Agents and agencies utilizing our seminars write 20+ new policies per seminar when they follow our guidance.

Learn more about our T-65 Seminar program

Monthly Medicare lead and marketing reimbursement

Every agent with Crowe and Associates has access to $500 per month toward Medicare marketing and lead costs.  The program is simple.  The agent simply sends our their monthly lead or marketing receipt and we reimburse them up to $500 a month toward the cost.  There are no minimums to start and commissions are not reduced in any way.( All agents with Crowe are paid directly by the carrier and recieve CMS Max allowable commission) Agents can utilize the program as long as they want.  We have agents that have been using the program on a monthly basis for 6 years. Agencies can offer the program as a method to recruit agents into their hierarchy.

$500 monthly Medicare marketing and lead reimbursement program

Best FMO for Medicare:  Connect4Medicare online enrollment software

Connect4Medicare gives agents access to 3 online quote, comparison and enrollment platforms.  Agents can access Connecture, Sunfire and MyMedicarebot at no cost to them.  All 3 systems will quote and compare Medicare advantage, Supplement, PDP plans and other health benefits such as dental, vision and hospital indemnity. The system save client information, prescription and doctors lists.  All 3 offer online enrollment without the need for a face to face appointment.

More information on Connect4Medicare

Free agent websites, graphic design and SEO

Crowe strives to be the best FMO for Medicare agents by offering support for a number of online and search functions.  Agents can have a free website (Agent owns the URL) that is created specific to them with a CMS compliant quote and enrollment platform built in.  The site is provided at no cost to the agent.  We also offer guidance and support with SEO and online advertising through platforms such as Facebook, Google Ads, YouTube and linkedin.

Free agent websites

Best FMO for Medicare:  Support and training

Full agent support is provided by both our CT and PA locations.  Agents have access to a full time support team along with a contracting team and a dedicated contracting point person to help them coordinate all efforts. We provide training for day to day sales up to helping call centers get approved as offical call centers with each carrier.  If you prefer to watch training videos online, we hold multiple weekly training webnars from both CT and PA.  Our favorite training is helping agents build agencies and helping current agencies recruit and increase revenue.  We use online contracting so agents and sub agents only need to fill out contracting one time.  As a result, additional carriers can be requested at any time simply by email us.

Crowe YouTube recorded training webinars (Live webinars held on Wednesdays and Thursdays at 1:00 pm EST)

Pinnacle YouTube recorded training webinars (Live webinars held multiple times per week)

Crowe online contracting:  Fill out the online link to request contracting with the carriers you want