30+ Top Carriers

A Portfolio Built to Cover Every Client at Every Stage of Life

Represent the nation's most trusted insurance brands across the highest-demand product lines — with contracts that pay what you're worth.

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Commission Payments

ACA / Individual & Family Health Plans

The Affordable Care Act market is one of the largest and most consistent product lines in insurance — with year-round special enrollment periods, massive subsidies driving demand, and strong per-policy commissions.

ACA Marketplace Plans

Help individuals, families, and self-employed workers find affordable health coverage through the federal or state marketplace. With enhanced subsidies, many clients qualify for $0 or very low-premium plans — making your job easier and the sale more compelling than ever.

  • Year-round Special Enrollment Periods mean no seasonal ceiling
  • Enhanced APTC subsidies make coverage accessible at every income level
  • High renewal rate — clients stay year over year
Commission Type
Per-member-per-month (PMPM)
When You're Paid
Weekly via carrier statement
Renewals
Annual — passive income each year
Target Market
Individuals, families, self-employed

Medicare Advantage & Medicare Supplement

The Medicare market is one of the fastest-growing segments in insurance — 10,000 Americans turn 65 every single day. Quantum agents are positioned to capture this demand with full contracts across the nation's top Medicare carriers.

Medicare Advantage (MA/MAPD)

All-in-one Medicare plans that often include prescription drug coverage, dental, vision, and hearing. The largest-growing Medicare product — and among the most competitive commissions in the industry.

  • Annual Enrollment Period (Oct 15 – Dec 7) is peak season
  • Recurring annual renewal commissions for the life of the policy
  • High client loyalty — Medicare beneficiaries rarely switch
Commission Type
Annual PMPM, CMS-regulated
Renewal Commission
Paid annually each plan year
Top Carriers
Humana, UHC, Aetna, BCBS + more
Target Market
Adults 65+ or qualifying disabled

Medicare Supplement (Medigap)

Supplemental plans that fill the coverage "gaps" in Original Medicare — including deductibles, coinsurance, and copayments. Clients pay a monthly premium for peace of mind, and you earn commissions and strong renewals on every policy.

  • Year-round sales — no open enrollment restrictions for guaranteed issue
  • Extremely high retention — clients rarely cancel Medigap
  • Strong residual income stream that builds over your career
Commission Type
% of premium, paid monthly
Renewal Commission
Paid monthly for life of policy
Standardized Plans
Plans A, B, C, D, F, G, K, L, M, N
Target Market
Medicare beneficiaries 65+

Life Insurance & Annuities

Help clients protect their families and plan for retirement — while earning some of the highest single-policy commissions in the industry.

Life Insurance (Term, Whole & Universal)

Every family needs life insurance — making this one of the largest addressable markets in financial services. Quantum agents have access to term, whole life, and universal life products from the nation's top-rated carriers.

  • Term life: high volume, fast close, great for new agents
  • Whole & universal life: higher premiums, larger commissions per policy
  • Strong cross-sell with health and Medicare clients
Commission Type
% of annual premium (year 1 + renewals)
Year 1 Commission
70–120% of first-year premium
Product Types
Term, Whole Life, IUL, GUL
Target Market
Individuals, families, business owners

Annuities (Fixed & Indexed)

Annuities are one of the highest single-premium, highest-commission products in insurance. Help clients protect their retirement savings while earning commissions on large premium deposits.

  • Large single-premium deposits = large commissions per sale
  • Fixed annuities: guaranteed growth, perfect for risk-averse clients
  • Indexed annuities: market-linked growth with downside protection
Commission Type
% of premium deposited
Avg. Commission Rate
4–8% of total premium
Product Types
Fixed, Fixed Indexed (FIA), MYGA
Target Market
Pre-retirees and retirees 50–70

Easy Add-Ons That Significantly Boost Your Income

Supplemental products are the fastest and easiest way to increase your per-client earnings. Sell them alongside your core products with minimal additional work.

Dental & Vision Plans

Individual and family dental and vision coverage. Extremely easy to bundle with health plans — clients almost always want both.

Easy Add-On

Critical Illness Insurance

Lump-sum benefit paid directly to the client upon diagnosis of a covered illness (cancer, heart attack, stroke). High demand and emotional resonance.

High Demand

Accident Insurance

Pays a benefit when a client is injured in an accident — regardless of other coverage. Inexpensive for clients, easy to explain, and adds meaningfully to your commissions.

Low Resistance

Hospital Indemnity Plans

Pays a daily benefit during hospitalization — helping clients cover costs that major medical may not fully cover. Excellent add-on for ACA and Medicare clients.

ACA/Medicare Add-On

Short-Term Disability

Replaces a portion of income if a client can't work due to illness or injury. Especially valuable for self-employed clients who rely entirely on their own income.

Self-Employed Market

Final Expense / Burial Insurance

Simplified issue whole life designed to cover end-of-life costs. One of the easiest products to sell — clients self-identify the need, and policies are fast to issue.

Fast to Close

Access All of These Products Through One Contract

Apply to join Quantum and we'll set up your carrier contracts, training, and tools — so you can start selling in 30 days or less.