Marketing & Lead Generationby Affordable Care Agents

The Ultimate Guide: Why Joining ACA is the Best Decision for Insurance Agents

What is an FMO and Why Does It Matter?

A Field Marketing Organization (FMO) is an essential partner for independent insurance agents, providing contracting, support, training, and exclusive resources to help agents thrive in a competitive market. But not all FMOs are created equal.

At Affordable Care Agents (ACA), we go beyond just offering contracts. We provide elite-level tools, training, marketing support, and cutting-edge technology that maximize your commissions, generate more leads, and streamline your success. Our team consists of top sales leaders and seasoned professionals who are laser-focused on your growth. We don’t just hand you resources—we work alongside you, collaborating, strategizing, and cross-pollinating innovative ideas to ensure you thrive in a competitive market. Your success is our success, and we are committed to helping you reach your highest potential.

✅ A Broker-Centered Approach

At ACA, we believe in a broker-centered, people-first philosophy. Unlike other FMOs that simply dictate strategies, we listen to your feedback, ideas, and concerns to create an ecosystem where you can grow and dominate in areas where you excel. Your success is at the heart of everything we do, and we are committed to evolving alongside you to ensure continuous improvement and innovation.

What Makes Affordable Care Agents (ACA) the Top-Tier Choice?

At ACA, we specialize in U65 health insurance, ensuring brokers have the best tools, training, and contracts for Affordable Care Agents, individual health plans, and family coverage. Our primary focus is helping agents dominate the U65 market while also offering strong support for Medicare agents as a secondary priority. We provide tailored solutions for brokers looking to scale their businesses in both sectors.

Unlike traditional FMOs that only recruit agents, we invest in your long-term success by allocating the majority of our resources to supporting and growing our agents.

✅ Unmatched Commission & Contracting Support

Get direct, top-tier contracts with all the major national and regional carriers.
Highest commission rates—get paid what you deserve without hidden reductions.
No-cost contract releases—we believe in earning your loyalty, not forcing it.

✅ Comprehensive Medicare & Insurance Training

Access exclusive agent training programs tailored for ACA, Medicare, Life Insurance, Final Expense, and more.
Free CMS compliance guidance to keep you up to date with all industry regulations.
One-on-one mentorship from industry experts to boost your sales skills.
We thrive on growing together—and that means providing you with training and support from professionals who have actually done the work. You will be trained by top-line professionals who are leaders in the industry, ensuring you gain real-world knowledge and expertise.

✅ Exclusive Lead & Marketing Support

FREE access to exclusive lead generation systems—never worry about where your next sale is coming from.
Custom marketing co-op programs to fuel your growth.
Professional website, branded materials, and digital ads to establish your online presence.

✅ Cutting-Edge Technology for Maximum Efficiency

All-in-one CRM to manage your clients, track enrollments, and simplify your workflow.
Seamless e-app and quoting tools to speed up your sales process.
Automated compliance tracking so you never miss an important deadline.

From Brokers to Thriving Brokerage Owners

One of the things we enjoy the most at Affordable Care Agents (ACA) is taking individuals with no experience and transforming them into success stories. Unlike other brokerages that focus on luring in experienced agents, we are committed to building new talent from the ground up.

We already have a dedicated team of executive training coaches and industry leaders ready to give you the push you need to reach your highest potential. Whether you’re just starting out or looking for the right guidance, our team ensures you gain the skills, knowledge, and confidence to succeed and thrive in this industry.

At ACA, we believe in building futures, not just businesses. Our mission is to help you transition from being an independent broker to owning and scaling your own brokerage. We take pride in watching our agents evolve into successful agency owners by providing:

Advanced leadership and business training to help you build a team.
Marketing strategies and mentorship to grow your brand and establish a strong presence.
Agency-level contracting so you can recruit and mentor your own agents while maximizing overrides.
Back-office support and compliance guidance to ensure smooth operations while you focus on expansion.

We don’t just provide contracts; we provide a pathway to success that allows you to scale your business, increase profitability, and create long-term financial security.

Why Agents Choose Affordable Care Agents (ACA) Over Other FMOs

We don’t just say we’re the best—we prove it with unparalleled support, resources, and industry leadership. At ACA, we prioritize payment accuracy and on-time commissions so you never have to worry about delays or discrepancies. Your earnings are handled with transparency and precision, ensuring you receive what you’ve earned—on time, every time.

💎 Exclusive High-Tier Brokerage Bonuses

At ACA, we go beyond just offering competitive commissions—we reward our top-performing brokerages with unheard-of special bonuses that other FMOs simply don’t offer. We believe that when you grow, we should celebrate your success by reinvesting in your business. Our top brokerages gain access to:

Performance-based revenue sharing to increase your profitability.
Exclusive marketing grants to expand your client base.
Custom technology solutions tailored to your brokerage’s needs.
Luxury retreat and mastermind events where you network with the best in the industry.

We believe in true partnership, and that means recognizing, rewarding, and fueling the success of those who drive the most impact.

We don’t just say we’re the best—we prove it with unparalleled support, resources, and industry leadership.

Feature	Affordable Care Agents (ACA)	Other FMOs
Highest Commissions	✅ Yes	❌ Varies
Free Marketing & Leads	✅ Yes	❌ No
CRM & Tech Tools	✅ Yes	❌ Limited
One-on-One Support	✅ Yes	❌ No
No-Cost Contract Releases	✅ Yes	❌ No

Your Success is Our Success

At ACA, we don’t profit unless YOU do. That’s why we go beyond standard FMOs and provide agents with the absolute best tools, technology, and support in the industry.

Ready to Elevate Your Career?

👉 Join Affordable Care Agents (ACA) today and start experiencing the highest commissions, best support, and most advanced tools available to independent insurance agents.

📞 Call us today at 646-233-1499 or 📩 **Email us at **[email protected] to get started!

FAQs About Joining an FMO

❓ How does an FMO make money?

FMOs earn a small override from the carrier based on the business written by their agents. This never affects your commissions—we make sure you get the full amount you deserve.

❓ Will my commissions be lower if I use an FMO?

Absolutely not. The commission rates we offer are the same or better than what you’d receive directly from the carrier. Plus, we provide additional perks, training, and support that you won’t get on your own.

❓ Do I have to assign my commissions to an FMO?

Not with Affordable Care Agents (ACA). You own your book of business, and we do not require commission assignments.

❓ What happens if I want to leave my FMO?

Unlike restrictive FMOs, we offer free contract releases because we believe in earning your loyalty, not forcing it.

Final Thoughts: Choose the Best, Choose Affordable Care Agents (ACA)

Your future as a top-earning, highly successful insurance agent starts with the right FMO.

🚀 Partner with Affordable Care Agents (ACA) today and unlock the full potential of your business!

📞 Call 646-233-1499 or 📩 **Email **[email protected] to get started now!