For Medicare, ACA & phone-based agencies
Keep your agents productive 365 days a year.
Add life insurance to the book you already run. Every agent gets Penny, an AI advisor on every call, a product for every caller, and a quoter built for the phone — and your agency keeps the commission.
Why every Medicare and ACA call is a missed protection conversation — and how Penny turns it into a placed policy.
Meet Penny · Your agents’ AI advisor Live now
Your best agent’s instincts, on every call.
Your agents know Medicare. They don’t need to become life insurance experts overnight. Penny reads the caller, surfaces the right product, and coaches the conversation in real time.
| Carrier | Product | Premium | Action |
|---|---|---|---|
| Americo Best fit | Final Expense / $15K | $74.10/mo | Apply |
| Mutual of Omaha | Whole Life / $15K | $86.45/mo | Apply |
| TruStage | Guaranteed Acceptance / $10K | $68.90/mo | Apply |
Opportunity: Caller mentioned leaving funeral costs to her kids. Final Expense is the best fit.
Underwriting: Health answers so far point to likely approval. Ask about medications next.
Say it simply: “This covers the final bills so your children don’t have to.”
New agents sell like veterans
Guidance on every call shortens the ramp from licensed to productive.
The right product, every time
The recommendation engine picks what the caller is most likely to be approved for — fewer declines, fewer dead apps.
Consistent, clear conversations
Plain-language talking points keep every call on-message and easy for the caller to understand.
New revenue, no new agents
Your team stays on the phone — they just sell more. Life becomes a natural cross-sell on every call, in every state, every season.
Diversify beyond seasonal lines
Medicare and ACA are seasonal. Life insurance isn’t. Stop watching agents go idle in January and June.
You earn the commission
No SaaS fees, no per-seat charges. We handle carrier appointments, contracting, and back-office work.
The unlock
A product for every caller.
A 25-year-old gig worker, a 45-year-old parent, a 65-year-old Medicare prospect, an 80-year-old covering funeral costs. Your agent has something for each of them.
Every age band covered. Every Medicare and ACA lead becomes a life insurance opportunity.
Seasonal lines versus year-round life insurance
Medicare AEP (Oct–Dec)
ACA OEP (Nov–Jan)
Life insurance, year-round
Your agents earn for three months. Or twelve.
The agent quoter
Built for the phone. Wired into your stack.
- Instant multi-carrier quotes
- Top recommendation surfaced automatically
- Salesforce CRM integration
- Lead creation and management
- Send quotes directly to clients
- One-click applications
- Call dispositions and follow-up tracking
- 9 top-rated carriers, up to $10M
Onboarding in days, not months.
See Penny and the quoter on a live call flow.
Schedule an agency demoRun a benefits platform instead? See the embedded platform