Built by Producers, for Producers
Contracts, commissions, leads, back office and training — one FMO home.
We're not just an FMO that recruits you — we're a producing agency placing coverage every day. Plug in and get the same top contracts, real leads, and back office we run our own business on. You keep your book. Always.
Contracts, commissions, leads, back office and training — one FMO home.
Carrier access across six lines, a lead engine running around the clock, a real back office and contracting that keeps your hierarchy intact. Press play, then request contracts below.
We place thousands of consumers a year across every carrier in the market. Partner with us and you get the exact same carrier access, comp, leads, and back office we use ourselves. Our consumer engine is your proof — nobody else shows you both sides.
One home for agents, agencies, and GAs — however you write.
145 carriers across health, Medicare, ancillary, life, group & P&C — including the hard-to-get contracts.
Browse the Directory →Competitive, level contracts with per-state rate tables shared with contracted agents. You keep your hierarchy — we never compete with you.
See Commission Tables →Live inbound & data leads from Instant Online Insurance Group's 50+ site engine — running around the clock in every line.
See the Lead Engine →Onboarding, product & carrier training, AHIP/cert tracking. Get producing fast and stay compliant year-round.
Ask About Launchpad →Licensing, contracting, compliance & commission reconciliation from Vitality On Demand, our consulting arm.
Explore VOD →Serve more clients with multilingual support (EN·PT·ES·DE·IT) and 20+ years / MDRT Top of the Table partners behind you.
Partner with Us →Stop sending business away. Whatever walks in the door, you can write it here.
145 in the full directory — from the household names to the hard-to-get contracts.
About 20 states + DC run their own ACA exchanges — Covered California, NY State of Health, GetCoveredNJ, Pennie, Georgia Access and more — and every one has its own registration, training, and certification process. Most agents never crack them. We work them all.
Every state exchange registers and certifies agents differently — different portals, different trainings, different renewal calendars. We know each one's process and walk you through it, state by state.
Carrier appointments in state-exchange markets can be gated and slow. As your FMO we open the doors — including the contracts agents struggle to get on their own in SBE states.
Each state exchange you're certified on is a market most competitors skip. The map keeps shifting too — Oregon's own full state marketplace goes live for 2027 plan-year enrollment (confirmed, SB 972) — and we track every change so you're certified first.
An already-successful agency — without ripping out their setup.
Real partner result. Individual results vary.
VOD is our independent consulting arm — the back office behind NovaVida and available to your agency directly: license & appointment management, contracting audits, commission reconciliation, compliance program support, and lead-program consulting.
Explore VOD Services →Multi-state license & renewal tracking
Find & fix hierarchy and comp-level leaks
Every dollar credited to the right place
TPMO/TCPA-aware programs & lead consulting
Our owned-and-operated network of consumer sites generates the inbound demand — categorized by product line — that becomes your leads.
"Top contracts across 145 carriers. State-exchange certifications other FMOs can't unlock. Real leads from 50+ sites. A back office that actually has your back. Also, I'm a very good girl. Get contracted."
Tell us about your business and our recruiting team reaches out — usually same day.