For agencies and FMOs.
More than an FMO. Built to help you grow.
EverLife combines carrier relationships, its own technology, prequalified opportunities, call center support and hands-on help so insurance professionals can grow faster.
Built for independent agents, agencies, call centers and growing insurance organizations.
How it works
live flow- 1
Leads
Digital + partner demand
- 2
EverLife Call Center
Contact & qualification
- 3
Agent / Agency
Licensed producer
- 4
Quote & Enroll
EverLife technology
- 5
Client
Coverage in force
- 6
Retention / Cross-Sell
Lifetime value
All backed by EverLife
The FMO model hasn't changed. The market has.
You need more than a contract.
Carrier access and back-office support should be the starting point, not the whole deal.
Today's insurance agencies need predictable opportunities, better technology, faster operations and real support behind real growth.
EverLife was built around that reality.
Traditional FMO
The starting point
- Carrier contracts
- Contracting support
- Training
- Marketing materials
- Commission support
EverLife
Everything a traditional FMO provides, plus what you need to grow.
- Prequalified insurance opportunities
- Call center support
- Our own quoting technology
- Sales enablement
- Agency growth strategy
- QA & compliance support
- Advanced compensation structures
- Recruiting support
- Cross-selling opportunities
- Technology integrations
The EverLife advantage
Six ways we change how an agency grows.
Prequalified opportunities.
Stop relying entirely on referrals or buying random lead lists.
EverLife's marketing and call center team can help connect you with consumers who are already looking for insurance.
- Inbound calls
- Warm transfers
- Qualified leads
- Scheduled appointments
- Digital leads
- Real-time opportunities
Availability, pricing and qualification requirements may vary by program.
Learn moreTechnology built for how you sell.
Technology built around the way insurance agents actually sell.
EverLife is building Medicare and life insurance quoting and sales technology designed to make the path from quote to enrollment easier.
- Medicare quoting
- Life insurance quoting
- CRM
- Lead management
- Client management
- Agent dashboards
- Production reporting
- Opportunity routing
- Cross-sell opportunities
Select capabilities are coming to the EverLife platform and are labeled Available, Beta or Coming Soon.
Learn moreA back office without building one yourself.
Everything agents expect from a strong FMO relationship.
Full FMO support across contracting, carriers, commissions and compliance, staffed by people who work in insurance distribution every day.
- Contracting
- Carrier appointments
- Commission support
- Case support
- Marketing
- Compliance guidance
- QA
- Training
- Escalations
- Carrier relationships
Pay that grows with you.
Competitive carrier contracts and agency-level pay structures designed to reward production and growth.
As your production grows, the pay structure around it should grow too, at both the agent and agency level.
- Agent-level contracts
- Agency-level contracts
- Override opportunities
- Downline structures
- Production-based opportunities
Compensation varies by carrier, product, hierarchy, state and production level.
Learn moreMultiple ways to build.
EverLife doesn't force every producer into the same model.
Choose the structure that matches how you want to own, build and operate.
Independent
Build your own book with EverLife's support behind you.
Agency
Build your organization, recruit producers and grow your distribution.
LOA / W-2
If you or your organization want a more structured sales environment, EverLife can support LOA and W-2 structures where available.
Program availability and compensation structures vary.
Learn moreHelp growing your agency.
We don't just help you sell insurance. We help you build an insurance business.
Our team works alongside yours, from recruiting strategy to production reporting.
- Recruiting strategy
- Agent onboarding
- Marketing strategy
- Lead generation
- Sales process
- Technology
- Retention
- Cross-selling
- Book management
- Production analytics
- Expansion into new products
The bottleneck every agency hits
Imagine having a call center behind your agency.
Most independent agencies eventually hit the same wall:
Finding enough qualified people for their agents to talk to.
EverLife is building a team designed to help solve that problem. Our marketing and call center operations can generate and qualify consumer demand before opportunities reach participating agents.
We generate interest.
Demand is created through our own marketing and partner channels.
- Digital advertising
- Inbound marketing
- Partner traffic
- Existing customer opportunities
We qualify it.
The EverLife call center contacts or receives the consumer.
We route it to you.
Qualified opportunities are routed to participating agents or agencies.
You close it.
You focus on what you do best: advising clients and writing business.
You grow the book.
Retention, cross-selling and additional opportunities grow the value of each client over time.
Availability, pricing and qualification requirements may vary by program. All sales and marketing activities are subject to applicable carrier, CMS, TCPA and other regulatory requirements.
Built for more than individual agents
Built for agencies that want to grow.
New agency
Build your operation with EverLife's support instead of creating everything from scratch.
Explore this modelAgency economics
Make every client more valuable.
Growth isn't just about finding more leads.
EverLife helps agencies serve clients across multiple insurance needs, building longer-lasting relationships and stronger books of business.
All sales and marketing activities are subject to applicable carrier, CMS, TCPA and other regulatory requirements.
- Medicare01
- Life02
- Supplemental03
- Ancillary04
- Retention05
- Referrals06
Cross-sell activity is never automatic and is always subject to carrier, CMS and TCPA requirements, including separate permission to contact.
Technology
Technology built around production.
Products are labeled so partners always know what exists today, what's in beta and what's on the roadmap.
EverLife Medicare
Coming SoonCompare available plan options, organize client information and streamline the Medicare sales workflow.
- Plan comparison
- Client records
- Enrollment workflow
- Scope tracking
EverLife Life
Coming SoonA faster quoting experience designed to help agents compare life insurance solutions across participating carriers.
- Multi-carrier quoting
- Underwriting notes
- E-app hand-off
- Case tracking
EverLife CRM
BetaManage prospects, clients, opportunities and follow-ups.
- Pipeline stages
- Task automation
- Call logging
- Book management
EverLife Analytics
Coming SoonUnderstand production at the producer, campaign and agency level.
- Producer reporting
- Campaign performance
- Hierarchy roll-ups
- Persistency
EverLife Lead Routing
BetaRoute qualified opportunities based on availability, licensing, geography and product.
- Licensing checks
- Geographic rules
- Product matching
- Availability windows
New
Working
Enrolled
Interface images are conceptual illustrations. Features described as Beta or Coming Soon are not currently available for general use.
Support
Your back office just got bigger.
Instead of hiring separate teams to manage every part of your agency, EverLife gives partners access to a team built specifically for insurance distribution.
Why agencies switch
Where growth usually stalls.
“I need more opportunities for my agents.”
“I need better technology.”
“My current FMO disappears after contracting.”
“I want to build a downline.”
“I need help recruiting agents.”
“I want better pay as we grow.”
“I don't want to build an entire back office.”
“I want to expand into Medicare or Life.”
Wherever your agency is today, EverLife can help you figure out what you need for your next stage of growth.
How partnering works
Five steps, from first conversation to real growth.
Discovery
Tell us about your current business, production and growth goals.
Structure
We determine the appropriate EverLife partnership model.
Contract
Our team helps coordinate licensing and carrier contracting.
Connect
Set up technology, lead programs, support and workflows.
Scale
Increase production, build your team and expand your distribution.
Product lines
We support the products agencies sell.
Product availability varies by carrier, state and appointment status.
For agency owners
You've already built an agency. Now let's build what's around it.
EverLife can work with existing agencies that want to grow production without rebuilding their operations from scratch.
- Carrier relationships
- Higher hierarchy opportunities
- Agent contracting
- Lead generation
- Call center services
- Technology
- Marketing
- QA
- Training
- Recruiting support
- Reporting
- Agent onboarding
For individual agents
You sell. We'll help with the rest.
You shouldn't have to become a marketer, a compliance department, a tech company and a contracting specialist just to grow.
EverLife brings those resources together for you.
- Carrier contracting
- Opportunity programs
- Quoting technology
- Case & commission support
- Compliance guidance
- Sales training
Comparison
What should your distribution partner actually provide?
Traditional FMOs deliver real value. EverLife starts there and adds the acquisition, technology and operating support agencies need to grow.
| Capability | Traditional FMO | EverLife |
|---|---|---|
| Carrier Access | Included | Included |
| Contracting | Included | Included |
| Commission Support | Included | Included |
| Marketing | Included | Included |
| Compliance Support | Included | Included |
| Training | Included | Included |
| Technology | Varies by organization | Proprietary |
| Lead Generation | Varies by organization | Included |
| Call Center | Not typically provided | Included |
| Opportunity Qualification | Not typically provided | Included |
| Lead Routing | Not typically provided | Included |
| Agency Recruiting | Varies by organization | Included |
| Production Analytics | Varies by organization | Included |
| Multiple Distribution Models | Varies by organization | Included |
| Agency Growth Consulting | Varies by organization | Included |
Comparison reflects services commonly provided across the FMO/IMO market and is not a statement about any specific organization. Availability, pricing and qualification requirements may vary by program.
FAQ
Questions agents and agencies ask us.
Stop looking for another FMO. Start growing with a real partner.
Request a partnership review and our team will map out what your organization needs next.
Content on this site is intended for licensed insurance professionals. Nothing on this site is a guarantee of income, production, lead volume, close rates, commission levels, growth or carrier appointments.