Frequently Asked Questions for Agents, Brokers & Sub-Agencies
Interested in becoming a licensed agent, contracting with our FMO, or scaling your agency? Here are answers to the most common questions we hear from professionals like you.
Becoming an Insurance Agent
How do I become licensed to sell life and health insurance?
To sell life or health insurance, you’ll need to complete your state’s pre-licensing education, pass the state exam, and apply for your insurance license. Our contracting team can guide you through every step and recommend the best prep resources.
Do I need to be licensed in multiple states?
No — you only need to be licensed in the states where you plan to sell. However, many of our top agents expand into multiple states for more opportunities. We can assist you in obtaining non-resident licenses if you’re ready to grow regionally or nationally.
Can I sell insurance part-time?
Yes. Many agents start part-time and transition into full-time once they see success. We provide all the tools, training, and marketing support to help you scale at your own pace
Contracting Through Our FMO
What is an FMO (Field Marketing Organization)?
An FMO is a partner organization that gives independent agents and agencies access to top insurance carriers, better commissions, marketing resources, CRM tools, and back-office support — all under one umbrella.
How do I contract with your FMO?
It’s a simple process:
- Complete our online agent application.
- Complete our online agent application.
- Complete our online agent application.
Do I have to pay to join Sunshine Life & Health Advisors?
No. There are no fees to contract. Our FMO is compensated by the carriers, so agents keep 100% of their commissions.
Can I move my existing contracts to Sunshine?
Yes. If you already work with certain carriers, we’ll help facilitate the release process and transition your contracts under our hierarchy — giving you access to our tools, support, and higher commission levels.
Growth & Career Opportunities
What kind of support do you offer new agents?
From day one, you’ll receive hands-on onboarding, lead programs, CRM access, bilingual training, and one-on-one mentorship. We set you up for success and stay with you every step of the way.
What are the commission opportunities?
Our agents earn competitive commissions on both new and renewal business. We also offer performance bonuses, incentives, and override opportunities for those leading teams.
Can I build my own downline or agency under Sunshine?
Absolutely. We encourage leadership growth. You can recruit, train, and manage your own team while we handle contracting, back-office support, and reporting.
What long-term career paths are available?
Many of our agents grow into team leaders, sub-agency owners, and regional managers. Our system supports your career at every stage, so your potential is unlimited.
Partnering With Sunshine
Why should I choose your FMO over others?
Sunshine Life & Health Advisors stands out for its bilingual training, hands-on mentorship, real leads, and direct carrier access.
We offer:
- Access to national carriers across ACA, Medicare, and Life Insurance
- Competitive commissions with transparent reporting
- In-house CRM and marketing automation
- Compliance and back-office support
- Genuine partnership with a growth-focused culture
How do I get started?
It’s easy. Fill out the Become an Agent form or schedule an Intro Call with our contracting team. We’ll walk you through licensing, contracting, and onboarding so you can start selling quickly.
Sub-Agency Benefits
What is a sub-agency under an FMO?
A sub-agency is an independent agency that partners with an FMO like Sunshine to gain access to carrier contracts, technology tools, back-office support, and higher commission structures — while maintaining full independence.
How can my sub-agency benefit from partnering with your FMO?
Partnering with Sunshine gives your agency the infrastructure to scale faster:
- Access to top national carriers (ACA, Medicare, Life, Group Health, Ancillary)
- Competitive commissions and override potential
- CRM tools, lead programs, and marketing support
- Full compliance and administrative backing
- Multi-state expansion and downline development
Do sub-agencies retain ownership of their book of business?
Yes. Sub-agencies keep full ownership of their book of business and continue to build equity while benefiting from our systems and carrier relationships.
Can I bring my existing agents under my sub-agency contract?
Absolutely. We help transition your agents under your hierarchy while ensuring all appointments and overrides are handled smoothly.
What kind of reporting and transparency do you provide sub-agencies?
You’ll receive detailed commission statements, policy tracking, and production analytics — so you always know your numbers in real time.
Will you help train and support my agents?
Yes. We provide onboarding assistance, product training, and marketing workshops to help your team perform at a high level.
Can my sub-agency expand into other states or products?
Yes. We provide contracting support for multi-state expansion and access to a wide product portfolio, allowing you to diversify and grow your revenue.
Is there a cost for sub-agencies to join Sunshine?
No. There are no fees to partner with our FMO. Sunshine is paid directly by carriers, so your agency keeps 100% of commissions plus any overrides you earn.
Ready to Grow with Sunshine?
Whether you’re an individual agent, a growing broker, or a sub-agency
looking to scale, we’re here to help you grow faster and smarter.
