Frequently Asked
Time to Get Down to Business
As agents start to engage with us, a handful of questions keep coming up. We've answered the most common ones here, so we can spend our appointment on you, not on the basics.
We're an FMO, which means we can bring on street-level agents as well as full downlines.
Street level means exactly that: for Medicare Advantage, you get what carriers pay street-level agents. Most of our street-level contracts are paid directly by the carrier. We only pay on behalf of a carrier when their system makes that the easier route, and we'd rather not, because it's an added expense to us. We don't take a cut of your commissions.
For Medicare Supplement and ancillary carriers, we pay a competitive level based on your proof of production.
We can also offer downline contracts. Keep in mind that overrides, the commissions paid to uplines, come with the expectation that you can train and support the agents under you. That path isn't right for everyone. Plenty of our agents do better producing for themselves without running a downline, and there's never any expectation that you build one.
Yes, from day one.
Agents are increasingly concerned about vesting schedules, or whether they own their book at all. Some uplines hold onto their downlines' books, or require agents to stay on for a set period before the book is theirs. The real question behind all of it is simple: who owns your production?
At Topflight, you do. There are no contract length requirements either.
Every agent gets access to Sunfire and CSG for Medicare quoting.
You also get our proprietary CRM. It's built to be straightforward rather than clever, a true CRM, so you don't have to memorise client names or keep a second system just to navigate your book. You can export your book at any time, and the CRM pushes your clients, drugs, and providers straight into Sunfire so you're not re-entering anything.
We're not a lead vendor. What we will do is point you toward reputable vendors and give you straight guidance on generating your own.
We're known for helping agents get the most out of their local markets and build a strong referral base.
No, pick your own adventure.
We have experience in both telephonic and face-to-face sales, and we can help you build whichever kind of business you actually want. We also help agents build hybrid approaches: earning trust with clients or referral partners in person, then closing over the phone.
Topflight has an open release policy. There are no contract length requirements.
As long as your request falls inside the release window, January 2 through August 31, and you don't have outstanding obligations, we'll process it. It's rare that an agent has anything outstanding. Certain kinds of support do affect eligibility, including recent marketing or event investment.
We don't believe in trying to hold agents that don't want to stay with us.
See the full Release Policy →Training runs on three tracks.
Group training. Most agents don't yet know which questions to ask, and group training is the best cure for that. Most Monday mornings we run a researched, planned training topic as a webinar. Fridays are looser, open Q&A with agents. Past sessions are recorded and available to you.
Technology and systems training. Our onboarding is automated and includes pre-recorded training on our tech, with tips and tricks throughout. You'll get far more out of your time with a trainer if you've worked through the recordings first.
One-on-one advice. We run an agency Facebook Messenger group where experienced agents and Topflight leaders answer questions. You also get one-on-one time with your immediate upline, focused on practical advice for growing your agency from where it actually is. That time is focused where we can add the most value, so availability can vary with how actively an agency is producing.