Let's set the stage
If you are an individual agent, you have three questions: who do I contract with, how do I get clients, and who teaches me to close them. ESI answers all three from the same building. Everything Senior Insurance runs its own retail Medicare agency in Draper, Utah, and contracts agents across the country with the carriers on our agent info page. The training, lead and tool companies that grew up next to the agency are there if you want them.
Agency owners have their own path. If you have agents working for you, or you plan to, go to ESI Agencies instead.
Pick your starting point
| Where you are | What usually comes next | Where to go |
|---|---|---|
| Not licensed yet | Pass your state's life and health licensing exam, get your resident license and NPN | Your state insurance department; then come back to agent contracting |
| Newly licensed, no carrier contracts | E&O, Medicare certification for the current plan year, then carrier contracts | Agent contracting with ESI |
| Experienced, contracted elsewhere | Check release rules carrier by carrier before moving | What is a release to contract? |
| Producing well and hiring help | Agency license, agency contracts, a downline | How to start an insurance agency |
Who we are
Everything Senior Insurance (ESI) is a national Field Marketing Organization (FMO) licensed in all 50 states. We specialize in Medicare, ACA and life insurance sales, and we give our agents the training, technology, marketing and support they need to build and scale their businesses.
Premier Agent Status
Agents earn Premier Agent Status by aligning seven of our top carrier contracts with ESI:
- UnitedHealthcare
- Humana
- WellCare
- Aetna Medicare Advantage
- Aetna Senior Supplemental
- Manhattan Life
- Physicians Mutual
Premier Agent benefits
Free access to Seven Figure University
Our online training platform has a library of more than 200 training videos and hosts live weekly trainings from January through September. We update it throughout the year. Topics include:
- New agent training
- Sales training, scripts and presentations
- Bundling and cross-selling
- Product training
- Advanced marketing, including Meta and Facebook ads
- GoHighLevel, CRM and automation training
- AI training
- Content creation and content marketing
- Business building, including hiring staff and LOAs, compensation structures, firing, business arrangements and scaling
- Industry and product availability updates
Free access to Seven Figure CRM
Seven Figure CRM is our white-labeled GoHighLevel platform.
50% off Lead Heroes marketing services
Premier agents get 50% off the retail price of any Lead Heroes service, including but not limited to:
- Pre-scheduled appointments
- Custom calling campaigns
- Medicare Supplement leads
- Turning 65 leads
- Final expense leads
- Dental, vision and hearing leads
25% off virtual assistants through Hire Heroes
Premier agents get 25% off virtual assistants through Hire Heroes.
Access to our agent support team
Our support team is highly responsive. They help with everything from contract statuses and contracting processes to sales scenarios and compliance questions.
Benefits for all contracted agents
ESI is an Integrity partner, so every contracted agent gets Integrity Connect, whether or not they have Premier status.
Our commitment
We provide consistent, round-the-clock training, responsiveness and transparency. When we secure marketing funds from carriers, we pass them down to our highest-performing agents and agencies. Availability of these funds varies.
Here's the thing about picking an upline
New agents pick an FMO the way they pick a gym: whoever was loudest that week. Then they find out the hard way that the person who recruited them has never run a book of business. Ask anyone you are considering three questions. Do you write retail business yourselves? Who answers when my commission is wrong? Will you put my contract levels in writing before I sign? We are happy to answer all three on a call.
And a word of caution we repeat on the podcast: be careful of the gurus. If someone's pitch is mostly screenshots of their income, keep looking. You want the people who will still pick up the phone in February.
What we will not tell you
We will not tell you that you will make six figures in your first year, and we will not show you someone else's commission statement to get you to sign. Results in this business come from activity, follow up and service, and they vary a lot from agent to agent. What we will tell you is what the carriers require, what our contracting team needs from you, and what our own office does every AEP to grow. If that sounds like the kind of upline you want, we should talk.
Three things to have ready before you call
- Your NPN and a list of states you are licensed in (look it up on the NIPR NPN lookup).
- Your E&O certificate, or a plan to get one.
- A list of any carriers you are contracted with today and through whom.
Then go to agent contracting for the full step by step, or call 801-255-5340, Monday to Friday, 9:30am to 5pm Mountain.
Keep learning
Frequently asked questions
Can a new insurance agent contract with ESI?
Yes, once you hold a resident insurance license and have your NPN. You will also need E&O and, for Medicare Advantage and Part D, the current plan year certification your carriers require.
What is ESI Premier Agent Status?
Agents earn Premier Agent Status by aligning seven of our top carrier contracts with ESI: UnitedHealthcare, Humana, WellCare, Aetna Medicare Advantage, Aetna Senior Supplemental, Manhattan Life and Physicians Mutual. Premier agents get free Seven Figure University and Seven Figure CRM, 50% off Lead Heroes services, 25% off Hire Heroes virtual assistants and access to our agent support team.
Do I have to live in Utah to contract with ESI?
No. ESI is a national FMO licensed in all 50 states, so agent contracting is national, subject to each carrier's availability in your states. ESI's retail consumer office serves Utah.
What lines of insurance can I sell through ESI?
Medicare, ACA and life insurance, including Medicare Advantage, Medicare Supplement, Part D, final expense and dental, vision and hearing, with the carriers listed on our agent info page.
Should I contract as an agent or start an agency?
If you are producing on your own, agent contracting is simpler. If you are hiring other agents and want commissions and contracts in a business name, look at agency contracting and the agency license requirements.
Sources
Updated October 22, 2026 by the Everything Senior Insurance Data Desk.