Equis Financial review for agents: contracting, pay, release terms and leads

Equis adds optional Medicare through PlanEnroll and is built for personal producers and agency builders. Equis said in a September 2023 post that it does not grant releases. Its January 2024 System PDF starts agents at 70%, so get the current schedule in writing before you sign.

Equis is a hybrid model for personal producers and agency builders. You can contact Equis directly or through a partner agency office listed on Contact, then contract through the Equis Agent Dashboard Carriers tab with home-office specialists at 828.299.9600. The upline chain runs agent to agency or manager to Equis home office to Integrity and carriers.

New and unlicensed agents can obtain a license and start part-time.

The Contact FAQ markets agents up to 120% and managers up to 140%. A January 2024 System PDF lists a 70% starting level.

Promotion and Bonus Guidelines took effect September 1, 2026.

Override tables and whether carriers pay you directly or through Equis are shared during contracting. Equis markets a Producer Bonus up to $5,000 per month, a Builder Bonus up to $50,000 per month, Gold Standard $2,500, Elite Producer tiers and incentive trips.

Agents wait the carrier-required period, which Equis describes as generally 6 months, or ask the carrier to cancel pending contracts. Equis lists no release fee, since it said it grants no releases.

Equis describes carrier lack-of-production termination after 6 months, re-contract waits of 12 months after that termination for many carriers, and a 30 to 60-day wait between contract level changes. Contact FAQ markets agents as independent contractors owning their own business, while post-exit book ownership and CRM export are not published.

For BPL leads, unpaid lead cost rolls up to the upline and that upline is financially responsible for leads that roll up.

Lines include life, final expense, mortgage protection, living benefits, indexed universal life (IUL), annuity and Medicare through PlanEnroll. A 2023 onboarding post recommends Americo, Mutual of Omaha, CVS/Aetna or American Amicable for final expense, and Ethos as starter contracts.

A reporting post updated January 15, 2025 says home-office matching covers over 40 carriers. Equis suggests that a new agent start with 5 carriers at most.

Equis offers IntegrityCONNECT Lead Marketplace leads, Equis Exclusive leads, Automate and Save pricing, BPL realtime campaigns and PlanEnroll exclusive programs. No published Equis rule requires you to buy leads.

IntegrityCONNECT covers CRM, Quote and eApp, leads, marketing, agent website, phone and email with no direct fee claimed for Integrity agents. The Equis Agent Dashboard and Training Center are included with affiliation. No public monthly membership fee is published.

LeadCENTER admin export supports CSV or Excel up to 5,000 rows.

Training includes a Training Center with hundreds of videos and documents, daily and weekly online sessions, upline and regional manager mentoring, home-office live chat and case support. There are no membership, club or contract promotion fees. Carrier lack-of-production termination is described as about 6 months.

The 2024 System PDF requires re-qualification of 2 months per half-year, with placement and persistency rules, and regional managers and above need $10,000 in personal annualized premium to earn a bonus when their team writes under $100,000.

Contracting runs through the Equis Agent Dashboard Carriers tab with home-office specialists. Give the carrier as long as 7 business days, then follow up with it yourself. Agents need a life producer license, AML where required, AHIP and Medicare certifications for Medicare Advantage and E&O where Carrier Resources require it.

The September 28, 2023 onboarding post says appointment costs are not currently passed to agents or managers. IntegrityCONNECT Association markets up to 50% E&O savings for Integrity agents, and no Equis-specific group E&O price is published.

Integrity Marketing Group owns Equis after the May 2020 acquisition, and ownership is private-equity-backed through Integrity. Integrity runs tech-enabled contact centers.

Equis contacts consumers through employed agents. PlanEnroll is a consumer-facing brand.

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)).

Equis Contact FAQ and bonus posts market agents up to 120%, managers up to 140%, a Producer Bonus up to $5,000 per month, a Builder Bonus up to $50,000 per month, Gold Standard $2,500 and no salary cap. These are vendor claims. A typical-earnings statement after expenses is not published.

What contract level does Equis Financial offer new agents?

Equis's January 2024 System PDF starts new agents at 70%. Ask for the current schedule, since that PDF is more than two years old.

Equis does not publish a street-level definition. Ask for the current schedule by carrier before you sign.

Can I leave Equis Financial and keep my book?

Equis said in 2023 that it does not grant releases. You wait each carrier's required period, which Equis describes as generally 6 months, or ask the carrier to cancel pending contracts. Renewal vesting and post-exit book terms are not published.

Does Equis Financial support Medicare?

Yes. PlanEnroll and MedicareCENTER support Medicare business alongside life products.

Do I have to buy leads from Equis Financial?

No published Equis rule requires you to buy leads. If you do, overflow direct-mail leads cost $85, final expense leads $49 and graded exclusive leads $2 to $14 each.

How do I start with Equis Financial?

You start by contacting Equis or one of its partner agency offices, and then you finish carrier contracting in the Equis Agent Dashboard. The corporate line is 828.299.9600 if you would rather call.

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