More than an FMO. A growth platform.
Infrastructure for Insurance Growth.
Everlife combines carrier relationships, proprietary technology, prequalified opportunities, call center infrastructure and hands-on agency support to help insurance professionals grow faster.
Built for independent agents, agencies, call centers and growing insurance organizations.
Everlife Ecosystem
live flow- 01
Leads
Digital + partner demand
- 02
Everlife Call Center
Contact & qualification
- 03
Agent / Agency
Licensed producer
- 04
Quote & Enroll
Everlife technology
- 05
Client
Coverage in force
- 06
Retention / Cross-Sell
Lifetime value
Wrapped by Everlife infrastructure
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 entire value proposition.
Today's insurance agencies need predictable opportunities, better technology, faster operations and infrastructure capable of supporting 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 the growth engine
- Prequalified insurance opportunities
- Call center infrastructure
- Proprietary quoting technology
- Sales enablement
- Agency growth strategy
- QA & compliance support
- Advanced compensation structures
- Recruiting infrastructure
- Cross-selling opportunities
- Technology integrations
The Everlife advantage
Six capabilities that change how an agency grows.
Prequalified Opportunities
Stop relying entirely on referrals or buying random lead lists.
Everlife's marketing and call center infrastructure can help connect producers with consumers actively looking for insurance solutions.
- Inbound calls
- Warm transfers
- Qualified leads
- Scheduled appointments
- Digital leads
- Real-time opportunities
Availability, pricing and qualification requirements may vary by program.
Learn moreProprietary Insurance Technology
Technology built around the way insurance agents actually sell.
Everlife is developing proprietary Medicare and life insurance quoting and sales technology designed to reduce friction from quote to enrollment.
- 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 moreYour Back Office Without Building a Back Office.
Everything agents expect from a strong FMO relationship.
Full FMO support across contracting, carriers, commissions and compliance — staffed by people who work insurance distribution every day.
- Contracting
- Carrier appointments
- Commission support
- Case support
- Marketing
- Compliance guidance
- QA
- Training
- Escalations
- Carrier relationships
Compensation Built for Growth
Competitive carrier contracts and agency-level compensation structures designed to reward production and growth.
As production grows, the structure around it should grow too — at the agent level and the 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 while leveraging Everlife's infrastructure.
Agency
Build your organization, recruit producers and create scalable distribution.
LOA / W-2
For organizations or producers looking for a more structured sales environment, Everlife can support alternative distribution models including LOA and W-2 structures where available.
Program availability and compensation structures vary.
Learn moreAgency Growth Support
We don't just help you sell insurance. We help you build an insurance business.
Growth work alongside your team — from recruiting strategy to production analytics.
- 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 bottleneck:
Finding enough qualified consumers for their agents to speak with.
Everlife is building a distribution ecosystem designed to help solve that problem. Our marketing and call center operations can generate and qualify consumer demand before opportunities reach participating agents.
Consumer Generated
Demand is created through owned marketing and partner channels.
- Digital advertising
- Inbound marketing
- Partner traffic
- Existing customer opportunities
Qualification
The Everlife call center contacts or receives the consumer.
Opportunity Routing
Qualified opportunities are routed to participating agents or agencies.
Agent Closes
The agent focuses on what they do best: advising clients and writing business.
Grow the Book
Retention, cross-selling and additional insurance opportunities increase lifetime client value.
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 Scale.
New Agency
Build your operation using Everlife's infrastructure 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 create opportunities to serve clients across multiple insurance needs while 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 infrastructure 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 economics as we grow.”
“I don't want to build an entire back office.”
“I want to expand into Medicare or Life.”
Whatever stage your agency is in, Everlife can help identify the infrastructure required for your next stage of growth.
How partnering works
Five steps from conversation to scale.
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
Distribution across the products agencies sell.
Product availability varies by carrier, state and appointment status.
For agency owners
You've Already Built an Agency. Now Build the Infrastructure Around It.
Everlife can work with existing agencies that want to increase 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.
Independent agents shouldn't have to become marketers, compliance departments, technology companies and contracting specialists just to grow.
Everlife brings those resources together.
- 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 layers agencies need to scale.
| 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
Common questions from agents and agencies
Next step
Stop looking for another FMO. Start building a growth engine.
Request a partnership review and our team will map the infrastructure 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.