Question 1

What is MAIS Consulting and what lines of insurance do you contract for?

Accepted Answer

MAIS Consulting is a full-spectrum insurance contracting consultant. We contract agents and agencies across every major line of insurance — ACA / Individual Health, Medicare, Medicare Advantage (MAPD), Medicare Supplement (Medigap), Life Insurance, Final Expense, Short-Term Medical (STM), Ancillary Health & Accident, Home, Auto, Commercial, and Surplus Lines. If you write it, we can contract it.

Question 2

Is MAIS Consulting a carrier, an FMO, or a consulting firm?

Accepted Answer

MAIS Consulting is an independent contracting consultant and distribution partner — not a carrier and not a traditional FMO. We sit at the intersection of agents, FMOs, IMOs, and carriers to negotiate the best possible contract levels on your behalf. We leverage our long-standing relationships with marketing distributors, carriers, FMO principals, and C-suite executives to open doors that most agents cannot access on their own.

Question 3

What makes MAIS Consulting different from going directly to an FMO?

Accepted Answer

Most FMOs offer a standard street-level contract. MAIS Consulting's network — built over 100+ years of combined industry experience — includes direct relationships with carrier CEOs, regional VPs, FMO owners, and top marketing distributors. That network gives us the leverage to negotiate elevated compensation tiers, override structures, and bonus eligibility that a single agent or small agency simply cannot access independently. We bring the volume, you keep your independence.

Question 4

Do agents retain their independence when contracting through MAIS Consulting?

Accepted Answer

Absolutely. Maintaining your independence is a core principle of how we operate. You keep your book of business, your client relationships, and your ability to work with multiple carriers. We simply provide the contracting infrastructure, elevated compensation, and support network — without locking you in or taking ownership of your clients.

Question 5

How does MAIS Consulting secure better contracts and compensation than agents can get on their own?

Accepted Answer

It comes down to relationships and production volume. Over 100+ years of combined experience, our principals have built direct, trusted relationships with carrier executives, FMO owners, and top marketing distributors nationwide. When we bring an agent or agency into our network, we're adding their production to a larger pool — which gives us the leverage to negotiate at the highest available contract tiers. Those elevated rates flow directly to you.

Question 6

What kind of relationships does MAIS Consulting have in the industry?

Accepted Answer

Our network spans the full distribution chain — from individual carrier product managers and regional sales directors, to FMO and IMO principals, national marketing distributors, and C-suite executives at major health, life, and P&C carriers. These are not transactional relationships; they are long-standing partnerships built on trust, production, and mutual success. That depth is what allows us to advocate for our agents at the highest levels.

Question 7

Can MAIS Consulting help raise my current compensation levels?

Accepted Answer

Yes — that is one of our primary value propositions. If you are currently contracted at street level or below your production deserves, we can review your existing contracts and work to move you to a higher tier. In many cases, agents who join our network see meaningful increases in their commission rates across health, Medicare, life, and ancillary lines. We analyze your current book, identify the gap, and negotiate on your behalf.

Question 8

What is a contract-based FMO level and how does it benefit me?

Accepted Answer

FMO contract levels are the commission tiers that carriers assign to agents based on production volume and the FMO relationship. The higher your contract level, the more you earn per policy. Because MAIS Consulting aggregates production across our entire agent network, we qualify for — and can pass down — top-tier FMO contract levels that individual agents or small agencies cannot reach on their own. This means more commission per sale, access to override structures, and eligibility for carrier bonus programs.

Question 9

Do you contract for Medicare and Medicare Advantage plans?

Accepted Answer

Yes. Medicare is one of our core contracting lines. We contract agents for Medicare Advantage (MAPD), Medicare Supplement (Medigap), and Part D Prescription Drug Plans across all major carriers. We handle AHIP certification guidance, CMS compliance requirements, and carrier appointment paperwork — and we work to secure the highest available Medicare contract tiers for our agents.

Question 10

Do you contract for Life Insurance and Final Expense?

Accepted Answer

Yes. We contract across the full life insurance spectrum — Term Life, Whole Life, Universal Life, Indexed Universal Life (IUL), and Final Expense / Burial insurance. We have relationships with the top final expense carriers and can place agents at competitive commission levels with fast appointment turnaround.

Question 11

What ancillary and supplemental lines do you contract for?

Accepted Answer

We contract for a broad range of ancillary and supplemental products including Short-Term Medical (STM), Accident & Health, Critical Illness, Hospital Indemnity, Dental, Vision, Hearing, and Disability. These products are powerful cross-sell tools that increase your per-client revenue and improve retention.

Question 12

Do you handle Home, Auto, Commercial, and Surplus Lines contracting?

Accepted Answer

Yes. MAIS Consulting contracts for Personal Lines (Home & Auto), Commercial Lines, and Surplus Lines insurance. For agents who are not P&C licensed, we also offer referral contract arrangements that allow you to earn referral compensation by connecting clients with our P&C partners — no additional license required in most cases. Surplus Lines contracting is available for agents working with non-admitted carriers on hard-to-place risks.

Question 13

What information do I need to get contracted?

Accepted Answer

To get started, we will need your full name, agency name (if applicable), resident state license number, National Producer Number (NPN), lines of authority, and the states where you are currently licensed. From there, we assess your current contract levels, identify the carriers and lines where we can add the most value, and begin the contracting process.

Question 14

How long does the contracting process take?

Accepted Answer

Timelines vary by carrier and line of business, but in most cases we can have you appointed and ready to write business within a few days to two weeks. Health and ACA appointments tend to move quickly. Medicare contracting follows CMS timelines and may take slightly longer during peak season. We manage the process end-to-end and keep you informed at every step.

Question 15

Is there a cost to contract through MAIS Consulting?

Accepted Answer

No. Our contracting consulting services are provided at no direct cost to agents or agencies. We are compensated through the carrier and distribution relationships we maintain — meaning you gain access to elevated contracts, a powerful network, and dedicated support without any out-of-pocket fees.

Question 16

Can I contract for multiple lines at once?

Accepted Answer

Yes, and we encourage it. Multi-line agents who can serve clients across health, Medicare, life, and P&C lines are significantly more valuable to clients and earn substantially more per household. We will work with you to build a complete contracting portfolio across every line you are licensed for — or help you identify which additional licenses make the most sense for your market.

Question 17

What states does MAIS Consulting operate in?

Accepted Answer

MAIS Consulting works with agents and agencies across 25+ states and is actively expanding. Contact us to confirm carrier availability and contract options in your specific state.

Question 18

How do I get started?

Accepted Answer

Click "Contract Today" on our website, fill out the agent information form with your license number, NPN, and lines of insurance, and a MAIS Consulting specialist will reach out within one business day. We will review your current contracts, identify where we can raise your compensation, and walk you through the next steps.

Frequently Asked Questions

Who We Are & What We Do

How We Do It — Our Network & Relationships

Lines of Insurance We Contract

Getting Contracted with MAIS Consulting

Working with MAIS Consulting

Ready to Contract?