Benefits of Being An Independent Insurance Agent

You Are Your Own Boss

One great part of being an independent insurance agent is that you are your own boss. You don’t have to answer to anyone but yourself. You can set your work hours, schedule, and appointments. If you want to take a day off for personal reasons you can do so without a company or insurance company interfering.  Many agents enjoy the independence to plan their day exactly how they want.

Opportunity to Meet People

If you love networking being an independent insurance agent is the perfect job for you. Referrals don’t just come from your existing clients. Your fellow business and sales peers can be a great source of referrals. You don’t have to stay cooped up in a cubicle you can be out attending events and actually getting face-to-face time.

Better Advice For Clients

Since you aren’t tied to one company you can give your clients unbiased advice about what plan makes the most sense for them. Unlike captive agents who have a required allegiance to their company, you can contract with multiple carriers for different products. Instead of pushing one company’s policy that may not be a beneficiaries’ best option you have a wider variety plans that cater to their needs.

There are many niche markets, including senior life and health insurance where the products you provide are crucial to someone’s financial future. Knowing that you are selling a product that benefits their health and financial future makes your job a lot easier.

Salary and Compensation

Have you ever wondered, “What’s the average salary of an insurance agent?” According to the Bureau of Labor Statistics (BLS) the average insurance agent salary was $63,610 in 2013. The top 10 percent earned more than $117,830. Most agent pay and compensation is through commissions. Although the amount of commission depends on the type of insurance sold and often time if it is a new policy or a renewal. Bottom line is you can make a good living being an independent insurance agent.

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WellCare Producer Certification Requirements for 2022

  • Details refer to certification for WellCare. AHIP certification must be completed separately.
  • WellCare certification for 2022 launches on Wednesday, July 7, 2021.
  • Passing AHIP does not reduce the number of WellCare test modules.
  • Passing score is 85%.
  • 3 attempts.

WellCare Certification Links, Guides, Phone Numbers, Emails

WellCare Producer Certification Requirements for 2022

  • Details refer to certification for WellCare. AHIP certification must be completed separately.
  • WellCare certification for 2022 launches on Wednesday, July 7, 2021.
  • Passing AHIP does not reduce the number of WellCare test modules.
  • Passing score is 85%.
  • 3 attempts.

WellCare Certification Links, Guides, Phone Numbers, Emails

UnitedHealthcare Producer Certification Requirements for 2022

  • Details refer to certification for UnitedHealthcare. AHIP certification must be completed separately.
  • UnitedHealthcare certification for 2022 launches on Monday, June 28, 2021.
    • If the required prerequisite modules are failed an agent will receive no earned renewals during the plan year!
    • Take AHIP first! If you pass AHIP prior to taking the certification, you can skip 5 of the modules in UHC’s certification.
    • UHC allows 6 attempts to pass AHIP.
    • UHC allows 6 attempts per the prerequisite modules.
    • UHC allows 6 attempts per plan module.
    • 3 prerequisites: Medicare Basics, Ethics and Compliance, and AARP Course.
    • AHIP eliminates the need for the Medicare Basics course.
    • 3 modules to complete.
    • 1 optional: CSNP/DSNP.
    • Passing score for UCH certs is 85%.
    • 2021 certifications will cover the remainder of 2020.

UnitedHealthcare Certification Links, Guides, Phone Numbers, Emails

UnitedHealthcare Producer Certification Requirements for 2022

  • Details refer to certification for UnitedHealthcare. AHIP certification must be completed separately.
  • UnitedHealthcare certification for 2022 launches on Monday, June 28, 2021.
    • If the required prerequisite modules are failed an agent will receive no earned renewals during the plan year!
    • Take AHIP first! If you pass AHIP prior to taking the certification, you can skip 5 of the modules in UHC’s certification.
    • UHC allows 6 attempts to pass AHIP.
    • UHC allows 6 attempts per the prerequisite modules.
    • UHC allows 6 attempts per plan module.
    • 3 prerequisites: Medicare Basics, Ethics and Compliance, and AARP Course.
    • AHIP eliminates the need for the Medicare Basics course.
    • 3 modules to complete.
    • 1 optional: CSNP/DSNP.
    • Passing score for UCH certs is 85%.
    • 2022 certifications will cover the remainder of 2021.

UnitedHealthcare Certification Links, Guides, Phone Numbers, Emails

SilverScript Producer Certification Requirements for 2022

  • Details refer to certification for SilverScript. AHIP certification must be completed separately.
  • SilverScript certification for 2022 launches on Tuesday, June 29, 2021.
  • Agents must do 3 things to be ready to sell SilverScript:
    Step #1: Contract with Aetna. This is a requirement to be eligible for commissions on plans with effective dates of 1/1/2022 and later. (Note: If you’re already contracted for Aetna MA/MAPD, you can skip this step, as there’s no additional action you need to take with your contract.)
    Step #2: Complete 2022 certification.
    Step #3: Receive a ready-to-sell notice
  • There are separate certification processes for Aetna MA/MAPD and SilverScript PDP. Completing 2022 Aetna certification does not satisfy the certification requirement for SilverScript.
  • 2022 Certs will NOT cover the remainder of 2021.
  • TAKE AHIP FIRST! If you pass AHIP first you can skip 2 of the 3 SilverScript test modules. 
  • There’s a link on Agent Portal to transmit their AHIP send scores. 
  • In Pinpoint, the direct scores to be sent upon registration for the test, Gorman, agents can use Silver Mail to upload the cert.
  • Passing score is 90%.
  • SilverScript allows 3 attempts.

SilverScript Certification Links, Guides, Phone Numbers, Emails

SilverScript Producer Certification Requirements for 2022

  • Details refer to certification for SilverScript. AHIP certification must be completed separately.
  • SilverScript certification for 2022 launches on Tuesday, June 29, 2021.
  • Agents must do 3 things to be ready to sell SilverScript:
    Step #1: Contract with Aetna. This is a requirement to be eligible for commissions on plans with effective dates of 1/1/2022 and later. (Note: If you’re already contracted for Aetna MA/MAPD, you can skip this step, as there’s no additional action you need to take with your contract.)
    Step #2: Complete 2022 certification.
    Step #3: Receive a ready-to-sell notice
  • There are separate certification processes for Aetna MA/MAPD and SilverScript PDP. Completing 2022 Aetna certification does not satisfy the certification requirement for SilverScript.
  • 2022 Certs will NOT cover the remainder of 2021.
  • TAKE AHIP FIRST! If you pass AHIP first you can skip 2 of the 3 SilverScript test modules. 
  • There’s a link on Agent Portal to transmit their AHIP send scores. 
  • In Pinpoint, the direct scores to be sent upon registration for the test, Gorman, agents can use Silver Mail to upload the cert.
  • Passing score is 90%.
  • SilverScript allows 3 attempts.

SilverScript Certification Links, Guides, Phone Numbers, Emails

Shared Health of MS Producer Certification Requirements for 2022

  • Details refer to certification for Shared Health of MS. AHIP certification must be completed separately.
  • Shared Health of MS has not yet announced their 2022 certification launch date.
  • More information coming soon!

Shared Health of MS Producer Certification Requirements for 2022

  • Details refer to certification for Shared Health of MS. AHIP certification must be completed separately.
  • Shared Health of MS has not yet announced their 2022 certification launch date.
  • More information coming soon!

Mutual of Omaha Producer Certification Requirements for 2022

  • Details refer to certification for Mutual of Omaha. AHIP certification must be completed separately.
  • Mutual of Omaha certification for 2022 launches on Tuesday, June 29, 2021.
  • There are three components to be “Ready to Sell” Medicare Advantage (MA) for Mutual of Omaha Medicare Advantage Company (MOMAC), Medicare Advantage Insurance Company of Omaha, (MAICO) and Prescription Drug Plans (PDP) for Omaha Health Insurance Company (OHIC). All three components must be completed.
        1. Contracting
        2. AHIP Certification
        3. Product Training
  • Passing score for Mutual of Omaha product training is 85%.
  • 3 attempts.
  • Must pass AHIP and two Mutual of Omaha courses: Medicare Advantage and Prescription Drug. 
  • Training is only accessible to agents who are contracted with Mutual of Omaha for that product.
  • 2021 certs will cover the remainder of 2020.

Mutual of Omaha Certification Links, Guides, Phone Numbers, Emails

Mutual of Omaha Producer Certification Requirements for 2022

  • Details refer to certification for Mutual of Omaha. AHIP certification must be completed separately.
  • Mutual of Omaha certification for 2022 launches on Tuesday, June 29, 2021.
  • There are three components to be “Ready to Sell” Medicare Advantage (MA) for Mutual of Omaha Medicare Advantage Company (MOMAC), Medicare Advantage Insurance Company of Omaha, (MAICO) and Prescription Drug Plans (PDP) for Omaha Health Insurance Company (OHIC). All three components must be completed.
        1. Contracting
        2. AHIP Certification
        3. Product Training
  • Passing score for Mutual of Omaha product training is 85%.
  • 3 attempts.
  • Must pass AHIP and two Mutual of Omaha courses: Medicare Advantage and Prescription Drug. 
  • Training is only accessible to agents who are contracted with Mutual of Omaha for that product.
  • 2021 certs will cover the remainder of 2020.

Mutual of Omaha Certification Links, Guides, Phone Numbers, Emails

Humana Producer Certification Requirements for 2022

  • Details refer to certification for Humana. AHIP certification must be completed separately.
  • Humana certification for 2022 launches on Tuesday, June 29, 2021.
  • This year Humana will be accepting both AHIP and NAHU.
  • 2021 Certs will cover the remainder of 2020.
  • At the conclusion of Certification & Recertification this year, all agents will be certified to sell all Humana products!

Certification Links, Guides, Phone Numbers, Emails

Humana Producer Certification Requirements for 2022

  • Details refer to certification for Humana. AHIP certification must be completed separately.
  • Humana certification for 2022 launches on Tuesday, June 29, 2021.
  • This year Humana will be accepting both AHIP and NAHU.
  • 2021 Certs will cover the remainder of 2020.
  • At the conclusion of Certification & Recertification this year, all agents will be certified to sell all Humana products!

Certification Links, Guides, Phone Numbers, Emails

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Cigna Medicare Producer Certification Requirements for 2022

  • Details refer to certification for Cigna Medicare. AHIP certification must be completed separately.
  • Cigna Medicare certification launches Thursday, July 1, 2021.
  • AHIP, Gorman or Pinpoint is required prior to certification.
  • No modules alleviated by passing AHIP or Pinpoint.
  • Passing score is 85%. You have 3 attempts.
  • Fail any module 3 times, agent will have to call the HAAL agent assistance line – 866-442-7516.
  • Agencies must log in with the agency NPN to complete attestation.
  • Face-to-face training is not required but is recommended as a supplement – especially for new agents.
  • 2022 Certs will cover the remainder of 2021.

Cigna Medicare Certification Links, Guides, Phone Numbers, Emails

Cigna Medicare Producer Certification Requirements for 2022

  • Details refer to certification for Cigna Medicare. AHIP certification must be completed separately.
  • Cigna Medicare certification launches Thursday, July 1, 2021.
  • AHIP, Gorman or Pinpoint is required prior to certification.
  • No modules alleviated by passing AHIP or Pinpoint.
  • Passing score is 85%. You have 3 attempts.
  • Fail any module 3 times, agent will have to call the HAAL agent assistance line – 866-442-7516.
  • Agencies must log in with the agency NPN to complete attestation.
  • Face-to-face training is not required but is recommended as a supplement – especially for new agents.
  • 2022 Certs will cover the remainder of 2021.

Cigna Medicare Certification Links, Guides, Phone Numbers, Emails

BlueCross BlueShield of TN Producer Certification Requirements for 2022

  • Details refer to certification for BlueCross BlueShield of TN. AHIP certification must be completed separately.
  • BlueCross BlueShield of TN’s 2022 certification launch date has not yet been announced.
  • More information coming soon!

BlueCross BlueShield of TN Producer Certification Requirements for 2022

  • Details refer to certification for BlueCross BlueShield of TN. AHIP certification must be completed separately.
  • BlueCross BlueShield of TN’s 2022 certification launch date has not yet been announced.
  • More information coming soon!

Amerigroup Producer Certification Requirements for 2022

  • Details refer to certification for Amerigroup. AHIP certification must be completed separately.
  • Amerigroup’s certification for 2022 launches on Wednesday, June 30, 2021.
  • Passing score is 90%.
  • 3 attempts.
  • Certifying for 2022 allows the sale of 2021 products.

Amerigroup Certification Links, Guides, Phone Numbers, Emails

Amerigroup Producer Certification Requirements for 2022

  • Details refer to certification for Amerigroup. AHIP certification must be completed separately.
  • Amerigroup’s certification for 2022 launches on Wednesday, June 30, 2021.
  • Passing score is 90%.
  • 3 attempts.
  • Certifying for 2022 allows the sale of 2021 products.

Amerigroup Certification Links, Guides, Phone Numbers, Emails

Aetna Producer Certification Requirements for 2022

  • Details refer to certification for Aetna. AHIP certification must be completed separately.
  • Aetna certification for 2022 launches on Tuesday, June 29, 2021.
  • Passing AHIP does not reduce the number of Aetna test modules.
  • Passing score is 90% for Aetna courses and 90% for AHIP.
  • 3 attempts are allowed for Aetna courses and 90% for AHIP.
  • 2022 certs will cover the remainder of 2021.

Aetna Certification Links, Guides, Phone Numbers, Emails

Aetna Producer Certification Requirements for 2022

  • Details refer to certification for Aetna. AHIP certification must be completed separately.
  • Aetna certification for 2022 launches on Tuesday, June 29, 2021.
  • Passing AHIP does not reduce the number of Aetna test modules.
  • Passing score is 90% for Aetna courses and 90% for AHIP.
  • 3 attempts are allowed for Aetna courses and 90% for AHIP.
  • 2022 certs will cover the remainder of 2021.

Aetna Certification Links, Guides, Phone Numbers, Emails