--- title: "Why Topflight | Topflight Insurance Solutions" description: "The full list of what Topflight agents get, the four product lines, why we stay boutique, Atomic Automations, Joanna Wyckoff, and the events open to new agents." url: https://topflightagent-demo-v4.pages.dev/why-topflight dateModified: 2026-10-06 --- # Why Topflight New agents and agencies Every agent we contract makes the formation stronger, and every agent benefits from the lift the formation creates. We keep the roster intentionally tight so every agent gets real attention, real training and real growth, backed by the carrier access of a national shop. Contract With Us ← Back to home The whole list ## Everything a Topflight agent gets. Twenty-four things, every one of them included the day your contracts are live. 01 · Money ### Get paid what you are worth - ◆**Street-level commissions**, paid to you directly by the carrier. No cut taken. - ◆**Published overrides.** The 46-carrier 2027 override schedule is public, by level, national and California. - ◆**You own your book** from day one. No vesting schedule, no contract-length requirement. - ◆**Referral fees** of $100 per Medicare Advantage and $25 per PDP enrollment. - ◆**Co-op reimbursements and Topflight Rewards** for tracked production. - ◆**Independent contracts.** Your clients, your renewals, your business, always. - ◆**Four product lines:** Medicare, ACA and under-65 health, life and final expense, and annuities, with carrier appointments ready when you are. See the 2027 commission guide → 02 · Training ### Learn from agents who actually sell - ◆**Topflight University:** 118+ on-demand webinars, included. - ◆**New Agent Bootcamp:** 3.5 hours from Ready to Sell to your first sale. - ◆**Weekly live coaching:** Monday training webinar, Friday open Q&A. - ◆**Carrier trainings, product deep dives and AEP intensives.** - ◆**Social Security Pro, Succession Planning and Life Insurance Master Class** courses. - ◆**Medicarians Vegas 2027** with a complimentary hosted agent ticket. Open Topflight University → 03 · Tech and marketing ### Look like a national brand - ◆**Atomic Automations:** AI-powered CRM, follow-up sequences, lead routing and retention workflows. - ◆**Sunfire and CSG quoting** plus the Topflight CRM that exports your book any time. - ◆**Branded marketing** and done-for-you assets that grow and retain your book. - ◆**Free pre-AEP postcards** to update Rx and providers. Birthday cards at cost. - ◆**Facebook lead generation playbooks.** - ◆**Partner pricing** on Insurance Toolkits, Canva, Printivity, 4Promos, Dialpad and Timeglass. See the Agent Toolkit → 04 · Support ### A back office that has your back - ◆**The Care Team:** contracting, certifications, commission tracking and CRM handled, not hassled. - ◆**Free client services:** claims and billing handled for you. - ◆**The Tribe:** the 24/7 community of Topflight producers and staff. - ◆**Offshore talent** and exclusive integrations: a force multiplier without the overhead. - ◆**Licensing help:** $39 pre-licensing course, XCEL exam prep, CE, discounted AHIP, E&O referral pricing. - ◆**A published release policy.** Releases are granted January 2 to August 31. You are never trapped. Meet the Care Team → Why Agents Choose Topflight ## A boutique FMO, not a factory. We keep our roster intentionally tight so every agent gets real attention, real training, and real growth backed by the carrier access of a national shop. Premium ### Premier Contracts Street-level commissions across Medicare Advantage, Med Supp, PDP, ACA and Life carriers, paid by the carrier. Ownership ### You Own Your Book Independent contracts. Your clients, your renewals, your business always. Coaching ### Hands-On Training Weekly coaching, AEP bootcamps, and field-tested scripts from agents who actually sell. Marketing ### Lead & Marketing Support Co-op programs, compliant marketing assets, and lead vendor partnerships built in. Support ### Back-Office Power Contracting, certifications, commissions tracking, and CRM handled, not hassled. Tools ### Tech That Works Quoting, enrollment, and SOA tools that cut friction so you can write more business. Product Lines ## Four markets. One flock. Cross-sell across senior, under-65, and life to maximize every client relationship with carrier appointments ready when you are. ### Medicare MA, Med Supp, PDP, DSNP. Top national and regional carriers with year-round enrollment opportunities. Aetna Humana UHC Wellcare Cigna ### Health ACA on-exchange, off-exchange, short-term, and ancillary. Earn through OEP and SEPs. Ambetter Oscar Molina BCBS ### Life & Final Expense Term, IUL, whole life, and final expense paired with mortgage protection lead programs. Mutual of Omaha F&G Foresters Americo ### Annuities & Retirement Fixed, fixed indexed, immediate and deferred annuities for guaranteed retirement income. Annuity contracting is available through Topflight. Fixed Fixed indexed Immediate Deferred Powered By Atomic Automations ## Automate the busywork. Multiply your output. Exclusive Topflight integrations and offshore talent to give every agent a force multiplier without the overhead. Exclusive Atomic Automations ### Atomic Automations Login Topflight agents get exclusive access to Atomic Automations — AI-powered CRM, follow-up sequences, lead routing, and client retention workflows built for insurance producers. Login to Atomic Automations → about Atomic Automations Login Built by an agent, for agents ## Meet Joanna Wyckoff. Founder of Topflight, U.S. Air Force veteran, host of The Insurance Business Babes podcast and the voice behind two Facebook communities of more than 21,000 agents. Joanna speaks at Medicarians, MedicareCon and NAIFA, and she still answers agents in The Tribe. About Topflight Podcast and speaking Follow Our Journey ## See the flock in flight. Trainings, wins, events, and behind the scenes with the Topflight team. Pick your platform and come fly with us. Instagram @topflightinsurance Facebook Topflight Insurance TikTok @topflightinsurance YouTube Topflight Channel LinkedIn Topflight Insurance Spotify Insurance Business Babes with Kathy Come see the flock fly ## Bootcamps, AEP intensives and Vegas 2027. New agent bootcamps, carrier trainings, seminar clinics and local partnership programs. Most are open to agents who are not contracted with Topflight yet, including the Medicarians Vegas 2027 hosted ticket. See upcoming events Read the new agent FAQ The Topflight Philosophy ## An eagle is made of eagles. We don't recruit warm bodies. We build a flock. Every agent we contract makes the formation stronger and every agent benefits from the lift the formation creates. That's why we stay boutique. Smaller roster. Bigger results. Top-of-field producers who actually know your name. Join the flock Boutique By design, not by accident ## Ready to fly? Contract With Us Agent education guides Frequently asked ## Questions agents ask about Why Topflight **What does a Topflight agent get?** **What product lines can I contract for through Topflight?** **Why does Topflight call itself boutique?** Last reviewed: October 6, 2026 · Reviewed by Joanna Wyckoff, Founder. Published by the Topflight Data Desk.