Licensing, AHIP, carrier certifications, contracts — the whole path in plain English, and exactly where an FMO fits in. Ten minutes of reading that saves months of guessing.
Pass your state's health insurance licensing exam (pre-licensing course + state test). This is your foundation — every state you sell in needs a license (non-resident licenses come later).
The industry-standard Medicare training. Renewed every year before AEP; nearly every Medicare Advantage and Part D carrier requires it.
Each carrier adds its own product certification on top of AHIP. Which ones matter in your market? That's exactly what our carrier playbooks map for you.
Errors-and-omissions insurance — carriers require proof before appointing you. Inexpensive, essential, and we'll point you to options.
This is where NovaVida comes in: we hold the contracts, open the appointments — including hard-to-get and state-exchange markets — and you keep your book and hierarchy.
Contracts across a 145-carrier directory · per-state commission tables (figures unlock once contracted) · state-exchange certifications most FMOs skip · certification-season checklists in the Learning Lab · a real back office (VOD) for licensing, compliance and commission reconciliation · leads from a 50-site consumer network.
If you hold a license today, contracting takes days, not weeks — and AEP prep starts the moment your certifications clear. Tell us where you write and we'll map which carriers and state exchanges to add first: 561-339-0727.
Licensing requirements vary by state and rules change — verify current requirements with your state department of insurance and each carrier's certification portal. We walk contracted agents through every step.