Eldercare Insurance Services review for agents: contracting, pay, release terms and leads

Eldercare runs a career distribution channel and an internal call center, so ask how that retail side sits next to your book. Its homepage says open release, but contract levels, advances and release details are not published, so get them in writing before you sign.

Start by phone, by email or with a scheduled meeting. Carrier-specific HubSpot forms and the eisapp.com portal are also used. You can contract direct to Eldercare or as a recruiting general agent (GA) who builds a downline and sees it in the portal.

The usual chain is agent, optional downline agency, Eldercare, then Integrity and the carriers. Integrity's subsidiaries list names Eldercare Insurance Services LLC, while agent-facing Terms name Eldercare Insurance Services, Inc., and the signed producer agreement is not public.

Eldercare republishes CMS maximum Medicare Advantage and Part D broker figures as federal ceilings.

Those ceilings are not Eldercare's commission schedule, and Med Supp, life and final expense schedules are not published.

Reward points and an online shopping mall are marketed. Ask for the commission schedule and the pay-path forms for each carrier before you contract.

Eldercare's homepage says it has an open release policy and that an unhappy agent can leave with no obligation. It publishes no release fee, timing or debt rules to back that up.

MedicareCENTER says it can import an existing book.

Terms bar reselling leads purchased from the company and require binding arbitration in Dallas, Texas. Classic noncompete text is not in the Terms.

Lines include Medicare Advantage, Medicare Supplement, Part D, final expense, life, ancillary, ACA marketplace and annuities. Eldercare says it offers over 100 carriers, and the full list is gated behind a download.

Contracting covers carriers such as Devoted, Highmark MA, GlobalHealth, Arkansas BCBS and Nationwide, plus Aetna certifications.

The $490 VIP amount is a reimbursement of your marketing costs, not a lead price. No published Eldercare rule requires you to buy leads to contract.

IntegrityCONNECT is marketed with no direct fee for Integrity agents and agencies. MedicareCENTER is marketed at no cost with Eldercare or other Integrity Partner contracts.

No joining or membership fee is published.

Training includes weekly sessions, webinars, an Annual Training series, the Path to Success conference and one-on-one IntegrityCONNECT training, plus agent services by phone.

Group E&O is optional and priced separately.

Readiness steps include a state license, LIMRA anti-money-laundering (AML) training, AHIP or Medicare fraud, waste and abuse (MFWA) training for Medicare Advantage and Part D, carrier certifications, E&O and federally facilitated marketplace (FFM) certification for Marketplace plans.

Eldercare points agents to carrier AHIP discounts, including an Aetna $50 discount.

Group E&O through Gallagher Affinity / 360 Coverage Pros for affiliated agents lists pay-in-full premiums from about $79 to $399 depending on effective month for the March 2026 to February 2027 policy year, with $1 million / $1 million to $3 million limits, $0 deductible on Eldercare product claims and $1,250 on other claims.

Through Integrity, Eldercare is backed by private equity, including a Silver Lake minority stake announced in December 2021.

Eldercare runs an internal call center alongside a career distribution sales force. It contacts consumers through employed agents.

The yearly CMS limits (opens in a new tab) are the most a Medicare Advantage or Part D plan can pay you, and the carrier contract decides what you actually get.

Eldercare's homepage says "best commissions available" and "thousands of agents trust us." A typical-earnings statement after expenses is not published.

What contract level does Eldercare offer new agents?

Eldercare does not publish starting levels. Its VIP Lead Program uses the term street level without a written carrier-grid definition. Ask for the schedule by carrier and line before you sign.

Can I leave Eldercare and keep my book?

Eldercare advertises an open release policy and says unhappy agents can leave with no obligation. Ask for the release terms in writing before you sign.

Release fee, turnaround, renewal vesting and book ownership after exit are not published. What stays yours after you leave comes down to your contract and the rules at each carrier.

Does Eldercare support Medicare?

Yes. Lines include Medicare Advantage, Medicare Supplement and Part D along with final expense, life, ancillary and ACA marketplace products.

Do I have to buy leads from Eldercare?

No requirement to buy leads is stated. If you want them, IntegrityCONNECT has marketplace leads, though they don't post prices.

T65 Locator doesn't charge a direct fee as long as your contracting qualifies. There's also the VIP program, which pays qualifying street-level agents back up to $490 once they hit 16 issued enrollments in three months.

How do I start with Eldercare?

Call, email or schedule a meeting with the agent sales team. Carrier HubSpot forms and the eisapp.com portal are also used.

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 Eldercare Insurance Services quit selling or a contract term that reads different now, let us know and send the link to the page where Eldercare Insurance Services has it. Somebody here pulls up that page and checks it before we change anything on ours.