Independent 1099 opportunity
ArmiCare agents operate as independent contractors, subject to the applicable agreement, licensing, carrier appointment, and business requirements.
Compensation and contracting
Clear structure.
Independent opportunity.
ArmiCare's agent model combines independent contracting, direct carrier relationships, qualified-call opportunities, and an operating system built to help agents grow responsibly.
How the model works
Understand the business relationship
before you begin.
Contract terms, commission schedules, advances, renewals, chargebacks, vesting, carrier appointments, lead programs, and available support can differ. Agent HQ reviews the applicable structure clearly during the qualification and onboarding process.
Direct carrier pay
Where available under the applicable contract, carriers pay appointed agents directly according to carrier commission schedules and advance rules.
Street-level contracting
The model is designed around agent ownership of the producer relationship rather than an employee or traditional captive-sales arrangement.
Growth-based review
Experience, production quality, placement, persistency, leadership responsibility, and carrier requirements may influence available contract levels.
Agent progression
A framework for development, not an income promise.
ArmiCare evaluates the complete producer relationship: readiness, sales quality, compliance, case placement, client expectations, persistency, and contribution to the team.
- StartingBuild the foundation
Complete contracting, carrier preparation, technology setup, product readiness, and supervised launch expectations.
- GrowthDemonstrate consistency
Develop production quality, effective call handling, accurate applications, placement discipline, and dependable follow-up.
- EliteExpand responsibility
Strong producers and builders may discuss higher contract opportunities, mentorship, team development, or leadership pathways.
Important compensation disclosure
ArmiCare does not guarantee leads, call volume, applications, policy issuance, commissions, income, advancement, or business results. Compensation depends on the applicable agent and carrier agreements, product, state, policy status, premium payment, persistency, chargebacks, and other requirements. Agents are responsible for their own licensing, taxes, expenses, and compliance obligations unless a written agreement states otherwise.
Join ArmiCare
Get the exact contracting details that apply to your situation.
Agent HQ will review your license, resident state, experience, appointments, and goals before discussing available contract and opportunity terms.
Start your application →