--- title: "Topflight Insurance Solutions: Boutique FMO for Elite Agents" description: "Boutique FMO for Medicare, health and life agents: premier carrier contracts, street-level commissions, hands-on training and real back-office support." url: https://topflightagent-demo-v3.pages.dev/ dateModified: 2026-10-05 --- # Join the flock.Keep 100% of your book.Fly higher. Boutique FMO · Medicare · Health · Life · Retirement Topflight is a boutique FMO for independent Medicare, health and life agents. Street-level contracts paid by the carrier, published overrides, 118+ webinars, a 24/7 Tribe and a Care Team that handles the headaches. Contract With Us See everything you get ↓ Carriers with published 2027 overrides Street-level commissions On-demand webinars The Tribe agent community Three doors. Pick yours. ## Where do you want to go? I’m a new agent or agency See what every Topflight agent gets, then contract in four steps. Start here → I’m a Topflight agent Contracting, commissions, training, guides, support and releases. Agent Hub → I need coverage Medicare, health, dental and life insurance with a Topflight agent. Find coverage → Street-level commissions 46 carriers, overrides published Own your book, day one 118+ webinars 3.5-hour Bootcamp The Tribe, 24/7 Care Team handles claims Co-op and Rewards Street-level commissions 46 carriers, overrides published Own your book, day one 118+ webinars 3.5-hour Bootcamp The Tribe, 24/7 Care Team handles claims Co-op and Rewards Why Topflight ## We don’t recruit warm bodies. We build a flock. Every agent we contract makes the formation stronger, and every agent benefits from the lift the formation creates. We keep the roster intentionally tight so every agent gets real attention, real training and real growth, backed by the carrier access of a national shop. The whole list ## Everything a Topflight agent gets. Twenty-four things, every one of them included the day your contracts are live. 01 · Money ### Get paid what you are worth - ◆**Street-level commissions**, paid to you directly by the carrier. No cut taken. - ◆**Published overrides.** The 46-carrier 2027 override schedule is public, by level, national and California. - ◆**You own your book** from day one. No vesting schedule, no contract-length requirement. - ◆**Referral fees** of $100 per Medicare Advantage and $25 per PDP enrollment. - ◆**Co-op reimbursements and Topflight Rewards** for tracked production. - ◆**Independent contracts.** Your clients, your renewals, your business, always. See the 2027 commission guide → 02 · Training ### Learn from agents who actually sell - ◆**Topflight University:** 118+ on-demand webinars, included. - ◆**New Agent Bootcamp:** 3.5 hours from Ready to Sell to your first sale. - ◆**Weekly live coaching:** Monday training webinar, Friday open Q&A. - ◆**Carrier trainings, product deep dives and AEP intensives.** - ◆**Social Security Pro, Succession Planning and Life Insurance Master Class** courses. - ◆**Medicarians Vegas 2027** with a complimentary hosted agent ticket. Open Topflight University → 03 · Tech and marketing ### Look like a national brand - ◆**Atomic Automations:** AI-powered CRM, follow-up sequences, lead routing and retention workflows. - ◆**Sunfire and CSG quoting** plus the Topflight CRM that exports your book any time. - ◆**Branded marketing** and done-for-you assets that grow and retain your book. - ◆**Free pre-AEP postcards** to update Rx and providers. Birthday cards at cost. - ◆**Facebook lead generation playbooks.** - ◆**Partner pricing** on Insurance Toolkits, Canva, Printivity, 4Promos, Dialpad and Timeglass. See the Agent Toolkit → 04 · Support ### A back office that has your back - ◆**The Care Team:** contracting, certifications, commission tracking and CRM handled, not hassled. - ◆**Free client services:** claims and billing handled for you. - ◆**The Tribe:** the 24/7 community of Topflight producers and staff. - ◆**Offshore talent** and exclusive integrations: a force multiplier without the overhead. - ◆**Licensing help:** $39 pre-licensing course, XCEL exam prep, CE, discounted AHIP, E&O referral pricing. - ◆**A published release policy.** Releases are granted January 2 to August 31. You are never trapped. Meet the Care Team → [Contract With Us](https://topflightagent-demo-v3.pages.dev/contracting)Four steps. One call. No contract length. Why Agents Choose Topflight ## A boutique FMO, not a factory. We keep our roster intentionally tight so every agent gets real attention, real training, and real growth backed by the carrier access of a national shop. Premium ### Premier Contracts Street-level commissions across Medicare Advantage, Med Supp, PDP, ACA and Life carriers, paid by the carrier. Ownership ### You Own Your Book Independent contracts. Your clients, your renewals, your business always. Coaching ### Hands-On Training Weekly coaching, AEP bootcamps, and field-tested scripts from agents who actually sell. Marketing ### Lead & Marketing Support Co-op programs, compliant marketing assets, and lead vendor partnerships built in. Support ### Back-Office Power Contracting, certifications, commissions tracking, and CRM handled, not hassled. Tools ### Tech That Works Quoting, enrollment, and SOA tools that cut friction so you can write more business. Agent Stories ## From the agents already flying with us. Real producers. Real numbers. Hit play and hear why they chose Topflight and why they stayed. Featured "If you want to meet somebody who's going to share with you because she cares about you and your clients, you want to talk to Joanna." George Caradini Caradini Health and Wealth "We're learning all about AI and how to implement it into our businesses, to free up our time so we can focus on selling." Jacob Kaplan Kaplan Insurance Advisors "My business has doubled every year since I've been with Topflight. I came on as just an agent with no agents yet, and grew into actually forming that agency." Jeff Bernal Texans Benefit LLC "I'll teach you how to sell more than just one product, how to have multiple products from one client, so every time you talk to someone you're able to close two or three sales." Laura Winningham LifeMap LLC "I came to this event for three things: how I can adapt technology to my business, how I can implement it in the management of my clients and my time, and how I can grow my agency." Moises Lopez Moises Lopez Insurance Service Are you a Topflight agent? [Submit your video testimonial →](https://docs.google.com/forms/d/e/1FAIpQLSej5AItPe2X0lDd1oZpdX7hspZ_JzMONW8gWCWnGGe_0MtmWQ/viewform?usp=dialog) Built by an agent, for agents ## Meet Joanna Wyckoff. Founder of Topflight, U.S. Air Force veteran, host of The Insurance Business Babes podcast and the voice behind two Facebook communities of more than 21,000 agents. Joanna speaks at Medicarians, MedicareCon and NAIFA, and she still answers agents in The Tribe. About Topflight Podcast and speaking Facebook Instagram LinkedIn TikTok YouTube Podcast on Spotify Product Lines ## Three markets. One flock. Cross-sell across senior, under-65, and life to maximize every client relationship with carrier appointments ready when you are. ### Medicare MA, Med Supp, PDP, DSNP. Top national and regional carriers with year-round enrollment opportunities. Aetna Humana UHC Wellcare Cigna ### Health ACA on-exchange, off-exchange, short-term, and ancillary. Earn through OEP and SEPs. Ambetter Oscar Molina BCBS ### Life & Final Expense Term, IUL, whole life, and final expense paired with mortgage protection lead programs. Mutual of Omaha F&G Foresters Americo Come see the flock fly ## Bootcamps, AEP intensives and Vegas 2027. New agent bootcamps, carrier trainings, seminar clinics and local partnership programs. Most are open to agents who are not contracted with Topflight yet, including the Medicarians Vegas 2027 hosted ticket. See upcoming events Read the new agent FAQ How it works ## Contracting with Topflight in four steps - ◆**Apply.** Complete the [contracting application](https://topflightagent-demo-v3.pages.dev/contracting) with your NPN, resident state and licensed states. - ◆**Opportunity call.** A one-on-one Google Meet where you show your prospecting and appointment calendars and your current production, and say what you need from an upline. - ◆**Contracts.** Topflight starts contracting with the carriers you selected. Most Medicare carriers run through Spark; adding a state takes a minimum of 3 days and up to a week. - ◆**Bootcamp and The Tribe.** Finish the 3.5-hour New Agent Bootcamp and you are in The Tribe, the 24/7 community of Topflight producers and staff. Learn ## Agent education, in plain language Seven guides written from Topflight’s own data and the CMS rules behind it: [what an FMO is](https://topflightagent-demo-v3.pages.dev/what-is-an-fmo), [how commissions and overrides work](https://topflightagent-demo-v3.pages.dev/how-medicare-commissions-work), [how to become a Medicare agent](https://topflightagent-demo-v3.pages.dev/become-a-medicare-agent), [AHIP and certification](https://topflightagent-demo-v3.pages.dev/ahip-and-carrier-certification), [chargebacks](https://topflightagent-demo-v3.pages.dev/chargebacks-explained), [choosing or leaving an FMO](https://topflightagent-demo-v3.pages.dev/choosing-or-leaving-an-fmo) and [building a downline](https://topflightagent-demo-v3.pages.dev/building-a-downline). [Open the education hub](https://topflightagent-demo-v3.pages.dev/agent-education) ## Ready to fly? Apply, book the one-on-one call, and let the Care Team start your contracts. Contract With Us ⭐ Leave a review Already a Topflight agent? [Go to the Agent Hub](https://topflightagent-demo-v3.pages.dev/agents). Looking for coverage? [Start here](https://topflightagent-demo-v3.pages.dev/coverage). Frequently asked ## Questions agents ask about Topflight **What is Topflight Insurance Solutions?** **Do Topflight agents own their book of business?** **How are Topflight agents paid?** **What training does Topflight provide?** Last reviewed: October 5, 2026 · Reviewed by Joanna Wyckoff, Founder. Published by the Topflight Data Desk.