Let's set the stage
Most agency owners do not leave an FMO because of one bad commission check. They leave because nobody on the other end of the phone has actually built an agency. Here's the thing: Everything Senior Insurance is still a working retail Medicare agency in Draper, Utah. We write our own business, we service our own members year round, and we run our own marketing. ESI Agencies is the side of the house that contracts other agency owners and their agents, and we share what is working for us internally so you can use it in your own shop.
That is the whole pitch, and it is the same thing our agent info page says: most FMOs and IMOs teach from outdated, cookie cutter tactics. We practice what we preach.
Who ESI Agencies is built for
| You are | Start here | What you will set up with us |
|---|---|---|
| An agency owner with agents (or about to hire them) | Agency contracting with ESI | Agency level carrier contracts, your agents contracted under your agency, commission routing to the agency |
| A producer planning to start an agency | How to start an insurance agency | Entity license, agency contracts, then your first hires |
| An individual agent | The path for individual agents | Carrier contracts in your own name, training, leads and tools |
Carriers you can contract through ESI
The current list lives on our agent info page and that page is the source of truth. As of this update it shows the following lines and carriers.
| Line | Carriers listed on /agent-info/ |
|---|---|
| Medicare (Advantage, Supplement, Part D) | UnitedHealthcare, Humana, Aetna, Aetna Senior Supplemental, Anthem, Molina Medicare, Cigna Healthspring, Cigna Supplemental, Devoted Health, WellCare, SCAN, Alignment, Mutual of Omaha, Regence Blue Cross Blue Shield, Highmark, The Health Plan, Freedom/Optimum, Florida Blue, Emblem, SelectHealth, Physicians Mutual, Allstate, Manhattan Life, University of Utah Medicare, Nassau, Aflac |
| Final expense | Mutual of Omaha, Foresters, Aflac, Physicians Mutual, Aetna, Medico, Manhattan Life |
| Ancillary (dental, vision, hearing and similar) | Ameritas, Manhattan DVH, SureBridge, GTL, Heartland National |
| ACA and under 65 | UnitedHealthcare, Aetna, Molina, Ambetter, Cigna, SelectHealth, Anthem, Medica, Allstate/National General |
Let's be real about one thing: a carrier being on this list does not mean every carrier contracts in every state or every county, and carriers can pause or close new appointments for a season. Our contracting team will tell you what is open in your states before you fill out a single packet.
What an agency gets beyond the contracts
ESI is a national Field Marketing Organization (FMO) licensed in all 50 states, specializing in Medicare, ACA and life insurance. Agents and agencies that align seven of our top carrier contracts with ESI (UnitedHealthcare, Humana, WellCare, Aetna Medicare Advantage, Aetna Senior Supplemental, Manhattan Life and Physicians Mutual) earn Premier Agent Status.
- Free access to Seven Figure University. More than 200 training videos, plus live weekly trainings from January through September.
- Free access to Seven Figure CRM. Our white-labeled GoHighLevel platform.
- 50% off Lead Heroes marketing services. Off the retail price of any Lead Heroes service, from pre-scheduled appointments and custom calling campaigns to Medicare Supplement, turning 65, final expense and dental, vision and hearing leads.
- 25% off virtual assistants through Hire Heroes.
- Access to our agent support team. Help with contract statuses, contracting processes, sales scenarios and compliance questions.
Every contracted agent gets Integrity Connect, whether or not they have Premier status, because ESI is an Integrity partner. When we secure marketing funds from carriers, we pass them down to our highest-performing agents and agencies. Availability of these funds varies.
How agency contracting works, in five steps
- Talk with agent relations about your agency, your states, your lines and your current FMO situation.
- Confirm the agency's business entity license and Designated Responsible Licensed Producer in each state, plus the agency's NPN.
- Gather E&O, AHIP or carrier certification for the current plan year, and each agent's license and NPN.
- Submit carrier contracting for the agency, then for each agent under the agency.
- Get ready to sell confirmations and start writing.
The full walkthrough, with a document checklist, is on agency contracting with ESI.
Questions every agency owner should ask an FMO (including us)
- What contract level will my agency get with each carrier, and what will my agents get underneath me?
- Who owns the book and the renewals if my agency leaves, and what does the carrier's contract say about vesting?
- What is your release policy if one of my agents wants to leave my agency?
- Do you charge any fees to contract, to access leads or to use your tools?
- Who do I call on a commission problem, and how fast do they answer?
We would rather answer those on a call than on a web page, because the answers depend on your states, your carriers and your production. Call 801-255-5340 Monday to Friday, 9:30am to 5pm Mountain.
Learn the agency side
- What is an FMO?
- Agency vs agent contracting
- Building a downline
- Insurance agency license requirements and the state by state agency license guides
- What is a release to contract?
Frequently asked questions
What carriers can my agency contract through ESI?
Our agent info page lists 26 Medicare carriers, 7 final expense carriers, 5 ancillary carriers and 9 ACA and under 65 carriers, including UnitedHealthcare, Humana, Aetna, Mutual of Omaha and Devoted Health. Availability depends on the state and on whether a carrier is accepting new appointments, so we confirm what is open in your states first.
Is ESI Agencies an FMO?
ESI contracts agencies and agents with insurance carriers and supports them with training, leads, tools and commission help, which is the work an FMO does. The difference we care about is that ESI is also a working retail Medicare agency, so what we teach comes from our own office.
Can I contract my whole agency, not just myself?
Yes. Agency contracting puts the carrier contracts under your agency, with your agents contracted underneath it. Start with the agency contracting page or call 801-255-5340 and ask for agent relations.
Does ESI publish its commission levels?
No. Contract levels depend on the carrier, the state and your agency's production, so we go over them on a call. Get every level in writing from any FMO before you sign.
Sources
Updated October 22, 2026 by the Everything Senior Insurance Data Desk.