Choose the contract path that fits how you want to build.
Whether you are an LOA agent, independent agent, street-level agent, agency owner, or subagency partner, Advantage Plus offers contract options designed around support, flexibility, growth, compliance, and long-term business development.
Not every agent builds the same way. Your contract should reflect that.
Some agents want structure, leads, training, and daily support. Others want independence, carrier access, and control over their book. Some are ready to recruit and manage downlines. This page explains the major contract paths available through Advantage Plus and how each option fits different business models.
For Producers
LOA, independent, and street-level options for agents who want to write business, serve clients, and grow their personal book.
For Agency Builders
Agency levels for principals, subagencies, and growth partners who want to recruit, train, manage, and support downline agents.
For Long-Term Growth
Contract structures designed around carrier access, compliance, training, marketing, retention, and sustainable agency development.
Agent contract options
Writing-agent contracts are generally separated by how the agent is paid, who owns and services the client relationship, what support is provided, and whether the agent is operating independently or under an agency-led model.
LOA agents
The LOA model can be a strong fit for agents who want more agency-led structure, support, training, and systems behind them.
- Good fit for agents who want more structure and guidance.
- Agency-led support for onboarding, training, and systems.
- May include access to agency resources, marketing support, events, or lead programs where available.
- Strong option for agents who want help getting started and staying organized.
- Carrier and compensation setup depends on product line and appointment rules.
Best fit
LOA can work well for agents who value support, training, coaching, operational structure, and a team environment more than managing every part of the business independently from day one.
Independent agents
Independent agents want to build their own business while still having the strength of a national agency platform behind them.
- More flexibility in how you build and manage your book.
- Access to multiple carriers and product lines.
- Ability to grow through personal production, referrals, cross-selling, and retention.
- Support without giving up your entrepreneurial independence.
- Resources for marketing, compliance, training, and client outreach.
Street-level agents
Street-level contracts are commonly used for writing agents focused on personal production.
- Strong fit for agents focused on writing and servicing clients.
- No need to manage downline agents or agency operations.
- Access to carrier and product opportunities through Advantage Plus.
- Support for quoting, enrollment, compliance, training, and retention.
- Potential to grow into agency-level opportunities over time.
Agency contract levels
Agency levels are built for principals and subagencies that recruit, support, manage, and develop downline agents. Higher agency levels generally reflect stronger production capacity, larger teams, operational readiness, compliance history, and the ability to support agents at scale.
Level 1 — GA
For smaller agencies, emerging team leaders, and producers beginning to build a structured agent organization.
- Designed for agencies beginning to recruit and support agents.
- Good starting point for qualified agency builders.
- Best for leaders who want to grow with structure and guidance.
- May include agency-level support, onboarding resources, and production visibility where available.
Level 2 — SGA
For established subagencies with stronger team development, recruiting activity, and production consistency.
- Designed for agencies with an active agent base and growing production activity.
- Supports principals who need more structure around downline management.
- Best for agencies actively onboarding, training, and supporting producers.
- May include expanded agency support and visibility depending on approval.
Level 3 — Agency Partner
For larger organizations with meaningful distribution, operational capacity, and a proven ability to manage agent growth.
- Designed for larger agencies with established systems and leadership.
- Best for organizations that support agents across multiple markets or product lines.
- May include advanced agency support, strategic planning, and growth collaboration.
- Appropriate for partners focused on long-term distribution development.
Level 4 — NMO
For national-level organizations with significant infrastructure, distribution reach, compliance oversight, and agent support capability.
- Designed for large-scale distribution organizations.
- Best for partners with national or multi-market growth strategy.
- Requires strong operational, compliance, and agent support capacity.
- May include high-level strategic partnership review and customized support structure.
What Advantage Plus evaluates before approving an agency level
Agency contracts are not just about volume. A strong agency partner must be able to recruit responsibly, onboard agents correctly, support production, protect clients, follow compliance standards, and maintain professional operations.
Which contract type is right for you?
The right path depends on how you want to work, how much support you need, whether you want to build a personal book or an agency, and what level of responsibility you are ready to take on.
Support included with Advantage Plus contracts
Contracting is only the starting point. The value is what happens after you are appointed.
- Carrier contracting and onboarding support.
- Agent portal and business resources.
- Quoting, enrollment, CRM, provider search, and plan comparison tools where available.
- Marketing resources, events, co-op opportunities, and campaign guidance.
- Training, webinars, Medicare education, and product guidance.
- Compliance resources and documentation support.
- Retention tools including client outreach and year-round communication resources.
- Agency-level support for recruiting, onboarding, broker management, and finance visibility.
Referral partner opportunities
Qualified referral partners may be eligible for referral opportunities when introducing approved subagencies, agency partners, or strategic relationships to Advantage Plus.
Referral eligibility, payment terms, duration, and approval depend on written agreement, production quality, compliance standing, relationship type, and Advantage Plus approval.
How contracting works
We keep the process clear so agents and agencies understand what is needed before they begin.
Submit
Complete the onboarding or agency review form with your license, states, product interests, and business goals.
Review
Our team reviews your license, carrier needs, current structure, production goals, and best contract path.
Contract
Complete required carrier paperwork, certifications, appointment steps, and any hierarchy setup requirements.
Launch
Access resources, training, tools, support, and growth programs based on your approved contract structure.
Frequently asked contract questions
Common questions from agents, agency owners, and partners exploring Advantage Plus contracts.
What is the difference between LOA and independent agent contracts?
An LOA arrangement is typically more agency-led and may involve more structure, support, and agency-managed systems. An independent agent contract generally gives the agent more flexibility and independence to build their own book. Exact details vary by carrier, product line, and appointment structure.
What does street-level mean?
Street-level generally refers to a writing agent contract level focused on individual production, without managing a downline. Street-level structures are commonly compared based on compensation, support, carrier access, and how the agency supports the agent after contracting.
Can I move from agent level to agency level?
Yes, agents who grow production, recruit responsibly, maintain compliance, and demonstrate the ability to support downline agents may be reviewed for agency-level opportunities.
Do agency levels require approval?
Yes. Agency levels require review and approval based on business structure, compliance standing, operational readiness, support capacity, and the ability to manage agents responsibly.
Are agency overrides guaranteed?
No. Overrides depend on approved contract level, carrier rules, product line, production quality, hierarchy, compliance standing, and written agreement.
Is this only for Medicare contracts?
No. Medicare is a major focus, but Advantage Plus also supports Life, Final Expense, Annuities, Individual Health, Group Health, Dental, Vision, Hospital Indemnity, and ancillary product lines.
Ready to find the right contract path?
Whether you want to write business as an agent, operate independently, work street level, join as LOA, or build an agency organization, Advantage Plus can help you evaluate the right structure.