---
title: "Topflight Insurance Solutions: Boutique FMO for Elite Agents"
description: "Boutique FMO for Medicare, health and life agents: premier carrier contracts, street-level commissions, hands-on training and real back-office support."
url: https://topflightagent-demo-v4.pages.dev/
dateModified: 2026-10-06
---

# Join the flock.Keep 100% of your book.Fly higher.

Boutique FMO · Medicare · Health · Life · Retirement

We don’t recruit warm bodies. We build a flock. Topflight is a boutique FMO for independent Medicare, health and life agents: street-level contracts, published overrides, real training and a Care Team that handles the headaches.

Contract With Us
Why Topflight →
Carriers with published 2027 overrides
Street-level commissions
On-demand webinars
The Tribe agent community
Three doors. Pick yours.

## Where do you want to go?

I’m a new agent or agency
See what every Topflight agent gets, then contract in four steps.
Start here →
I’m a Topflight agent
Contracting for Medicare, ACA, life and annuities, commissions, training, guides, support and releases.
Agent Hub →
I need coverage
Pick a product, or see them all.
Medicare
Health
Dental
Life
Annuities
Find coverage →
What you get

## Everything a Topflight agent gets.

- ◆**Street-level commissions**, paid by the carrier
- ◆**You own your book** from day one, no vesting
- ◆**Published overrides** for 46 carriers
- ◆**Topflight University:** 118+ webinars and the 3.5-hour Bootcamp
- ◆**The Tribe:** 24/7 agent community
- ◆**Care Team** handles contracting, commissions, claims and billing
- ◆**Atomic Automations** CRM, Sunfire and CSG quoting
- ◆**Co-op, rewards and branded marketing**
See all 24, the four product lines and why we stay boutique →
[Contract With Us](https://topflightagent-demo-v4.pages.dev/contracting)Four steps. One call. No contract length.

Agent Stories

## From the agents already flying with us.

Real producers. Real numbers. Hit play and hear why they chose Topflight and why they stayed.

Featured

"If you want to meet somebody who's going to share with you because she cares about you and your clients, you want to talk to Joanna."

George Caradini

Caradini Health and Wealth

"We're learning all about AI and how to implement it into our businesses, to free up our time so we can focus on selling."

Jacob Kaplan

Kaplan Insurance Advisors

"My business has doubled every year since I've been with Topflight. I came on as just an agent with no agents yet, and grew into actually forming that agency."

Jeff Bernal

Texans Benefit LLC

"I'll teach you how to sell more than just one product, how to have multiple products from one client, so every time you talk to someone you're able to close two or three sales."

Laura Winningham

LifeMap LLC

"I came to this event for three things: how I can adapt technology to my business, how I can implement it in the management of my clients and my time, and how I can grow my agency."

Moises Lopez

Moises Lopez Insurance Service

Are you a Topflight agent? [Submit your video testimonial →](https://docs.google.com/forms/d/e/1FAIpQLSej5AItPe2X0lDd1oZpdX7hspZ_JzMONW8gWCWnGGe_0MtmWQ/viewform?usp=dialog)

How it works

## Contracting with Topflight in four steps

- ◆**Apply.** Complete the [contracting application](https://topflightagent-demo-v4.pages.dev/contracting) with your NPN, resident state and licensed states.
- ◆**Opportunity call.** A one-on-one Google Meet where you show your prospecting and appointment calendars and your current production, and say what you need from an upline.
- ◆**Contracts.** Topflight starts contracting with the carriers you selected. Most Medicare carriers run through Spark; adding a state takes a minimum of 3 days and up to a week.
- ◆**Bootcamp and The Tribe.** Finish the 3.5-hour New Agent Bootcamp and you are in The Tribe, the 24/7 community of Topflight producers and staff.

## Ready to fly?

Apply, book the one-on-one call, and let the Care Team start your contracts. Bootcamps, AEP intensives and Medicarians Vegas 2027 are on the [events page](https://topflightagent-demo-v4.pages.dev/events).

Contract With Us
⭐ Leave a review
Already a Topflight agent? [Go to the Agent Hub](https://topflightagent-demo-v4.pages.dev/agents). Looking for coverage? [Start here](https://topflightagent-demo-v4.pages.dev/coverage). Questions? [support@m.topflightagent.com](mailto:support@m.topflightagent.com).

Frequently asked

## Questions agents ask about Topflight

**What is Topflight Insurance Solutions?**

**Do Topflight agents own their book of business?**

**How are Topflight agents paid?**

**What training does Topflight provide?**

Last reviewed: October 6, 2026 · Reviewed by Joanna Wyckoff, Founder. Published by the Topflight Data Desk.