Advisors Excel review for agents: contracting, pay, release terms and leads
Advisors Excel is an IMO, an independent marketing organization, and it calls its model IMO+, an IMO with wealth management services attached. It pairs annuity, life insurance and Medicare support with wealth management, marketing, technology and compliance services for independent agents and financial advisors.
- Best for
- Established annuity and life producers who want marketing, case design and back-office help
- Lines
- Annuities, life, Medicare Supplement and Medicare Advantage
- Monthly fees
- Optional marketing services from $275 a month
- Leads
- Digital leads through AE Creative
Our take
Advisors Excel markets itself only to independent advisors it considers "top-tier." Contract levels, advances and release terms are not published, so get them in writing before you sign.
Pros
- Life new-business help with application review, exam and record ordering and underwriting follow-up
- Annuity producer coaching with paperwork and follow-up handled by the annuity team
- In-house creative and digital lead services through AE Creative
- Medicare Supplement and Medicare Advantage support next to life and annuity business
Cons
- Contract levels, advances and chargeback terms are not published
- Release policy and renewal vesting are not published
- No public carrier list by line
- Fees for creative, lead and technology services are not published
How you would join
The published starting route is a five-minute online quiz or a call to 866.363.9595 asking for a VP of Advisor Development. Whether you contract directly with Advisors Excel or through an agency under it is not published, and neither is the upline chain above you.
The brand entity is Advisors Excel, LLC, but the entity that signs each producer agreement is not published.
How you get paid
It also does not publish whether it holds carrier contracts directly with the carrier or through another marketing organization, or current commission ranges by line.
Ask for the commission schedule and the pay-path forms for each carrier before you contract.
Leaving
- Book and client data
- You control the data in its apps, and Advisors Excel processes it for you
Advisors Excel's Financial Professional Privacy Notice says Advisors Excel can deduct or deposit funds under the advisor agreement and collect outstanding or delinquent debts or loans owed to Advisors Excel.
For data hosted in its applications, the financial professional is the data controller and Advisors Excel processes the data on the professional's behalf.
Advances, chargebacks and debt
Its Financial Professional Privacy Notice, revised June 1, 2025, allows use of information to deduct or deposit account funds under the advisor agreement and to collect outstanding or delinquent debts or loans owed to Advisors Excel.
Lines and carriers
Lines are annuities, life insurance, Medicare Supplement and Medicare Advantage. Wealth management runs through AE Wealth Management and broker-dealer services through AE Financial Services.
Its annuity team works with a broad set of carriers, and no carrier list by line is published.
Leads, tools and who pays
Optional marketing services
| Service | Monthly price | Also |
|---|---|---|
| AE Digital Level 1 | $750 | Plus $1,000 a month in ad spend |
| AE Digital Level 2 | $1,500 | Plus $2,500 a month in ad spend |
| AE Snappy Kraken DIY | $275 | |
| AE Freedom360 | $700 | Plus a one-time $349 setup fee |
- Tools
- Custom Integrated CRM, plus Advisors Tech packages for IT support and email hosting
AE Creative offers lead generators, lead conversion help and digital leads alongside websites, books, radio, television and event work.
A current AE Digital case study reports a $17.94 average cost per lead.
These are optional service prices, not a published IMO membership fee. The setup fee applies to AE Freedom360 only.
Training and production
Training includes Elite Coaching, Advisor Masterminds, annuity producer coaching and Medicare education events. Custom case design and high net worth planning support are available.
Ownership and channel
- Ownership
- Fully independent, with no private equity owner
Advisors Excel is fully independent with no private equity ownership.
Medicare comp context
CMS caps what Medicare Advantage and Part D plans may pay agents each plan year, and your real pay comes from your carrier contract and upline (CMS compensation limits (opens in a new tab)).
Income claims
Advisors Excel says advisors grew their business and publishes individual production stories plus a chart tracking the advisors who joined in 2020 across the next five years. These figures measure business production rather than personal income.
Experiences may not be representative and results are not guaranteed. A typical-earnings statement after expenses is not published.
Advisors Excel alternatives
- Financial Independence GroupAnnuity planning resources and education without a recruiting team
- Brokers AllianceFree to contractOpen contracting with case design and no platform fee
- BackNine InsuranceSelf-serve quoting and e-apps with carrier direct pay
- Simplicity GroupLifeLink online applications and case management
See every option in insurance iMOs.
Frequently asked questions
What contract level does Advisors Excel offer new advisors?
Advisors Excel does not publish starting levels or a street-level definition. Ask for the schedule by carrier and line before you sign.
Can I leave Advisors Excel and keep my book?
Release, vesting and book terms are not published. What you walk away with depends on the contract you sign and on each carrier's own rules.
Does Advisors Excel support Medicare?
Yes. AE Medicare Solutions supports Medicare Supplement and Medicare Advantage business with training and events.
Do I have to buy leads from Advisors Excel?
Advisors Excel offers digital leads through AE Creative. Whether leads are required and what they cost are not published.
How do I start with Advisors Excel?
Take the five-minute online quiz or call 866.363.9595 and ask for a VP of Advisor Development.
How we researched this review. We based this review on the terms and product pages published by Advisors Excel, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan Advisors Excel quit selling or a contract term that reads different now, let us know and send the link to the page where Advisors Excel has it. Somebody here pulls up that page and checks it before we change anything on ours.