New agents and agencies

Why Topflight

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.

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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.

AetnaHumanaUHCWellcareCigna

Health

ACA on-exchange, off-exchange, short-term, and ancillary. Earn through OEP and SEPs.

AmbetterOscarMolinaBCBS

Life & Final Expense

Term, IUL, whole life, and final expense paired with mortgage protection lead programs.

Mutual of OmahaF&GForestersAmerico

Annuities & Retirement

Fixed, fixed indexed, immediate and deferred annuities for guaranteed retirement income. Annuity contracting is available through Topflight.

FixedFixed indexedImmediateDeferred

Automate the busywork. Multiply your output.

Exclusive Topflight integrations and offshore talent to give every agent a force multiplier without the overhead.

ExclusiveAtomic 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.

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

Joanna Wyckoff, founder of Topflight Insurance Solutions

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→FacebookTopflight Insurance→TikTok@topflightinsurance→YouTubeTopflight Channel→LinkedInTopflight Insurance→SpotifyInsurance 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?

Street-level commissions paid by the carrier, published overrides for 46 carriers, ownership of your book from day one, Topflight University with 118+ webinars and the 3.5-hour Bootcamp, The Tribe community, the Care Team, Atomic Automations CRM, quoting tools, co-op and rewards, branded marketing and licensing help.

What product lines can I contract for through Topflight?

Medicare (MA, Med Supp, PDP, DSNP), ACA and under-65 health, life and final expense, and annuities, each through its own upline on the carrier contracting page.

Why does Topflight call itself boutique?

The roster is kept intentionally tight so every agent gets real attention, real training and real growth, backed by the carrier access of a national shop.

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