Medicare

Monthly Renewals for Life. Build Passive Income That Compounds.

Medigap clients pay monthly premiums year after year — creating one of the most reliable residual income streams in insurance.

Get Started — Apply Now

Monthly

Renewals paid every month — steady, predictable income that builds over time

Year-Round

No AEP window required — sell Medicare Supplement policies any time of year

No Networks

Clients see any doctor or specialist nationwide — no network restriction objections

Guaranteed Issue

At 65 during Open Enrollment, no underwriting required — easier first conversation

Senior couple reviewing Medicare Supplement insurance options with an advisor

Standardized Coverage

The 10 Standardized Medigap Plans

The federal government standardizes Medigap plans by letter, so benefits are identical regardless of which carrier you choose. That makes price and carrier reputation your primary comparison points.

Plan G is most popular for new enrollees after 2020. With Plan F no longer available to newly eligible beneficiaries, Plan G offers the most comprehensive coverage and is the go-to recommendation for clients turning 65 today.

Monthly

Renewal Commissions — Every Single Month

Commissions paid monthly as long as the client keeps the policy
Average client retention is 7–10+ years on Medigap
Renewals stack — each new client adds to existing book
No annual re-enrollment required to keep your renewal
Rate increases often trigger upsell opportunities, not lapses
Book of business has real transferable value as an asset

Residual Income

Build Compounding Residual Income

Every Medigap policy you write continues paying you month after month. Unlike one-time commissions, Medicare Supplement builds a compounding income stream that grows with every new client you add.

✓ Year-one commissions plus ongoing renewals from the same sale
✓ No annual enrollment period — sell any month, earn all year
✓ High retention rates mean income is predictable and stable
✓ Every client you add multiplies your monthly residual base
✓ Cross-sell PDP, dental, and life on the same relationship
✓ Build a book of business with lasting equity and value

Insurance agent reviewing Medicare Supplement plan details with a senior client

Product Details

Commission Type

First-year commission + monthly renewals for the life of the policy

Renewal Terms

Renewals typically paid as a percentage of premium, ongoing monthly

Target Market

Adults turning 65 entering Medicare, or beneficiaries switching from Medicare Advantage

Best Carriers

Mutual of Omaha, Aetna, Cigna, UnitedHealthcare (AARP), and Humana — all contracted through Quantum