Have an assigned offer code?

Use your personal code to view your free-lead allowance and enrollment fee waiver. Offers are limited to the named agent and require identity verification.

✓Interested consumers

Opt-in inquiries from people seeking Medicare coverage information.

✓Consent comes first

Documented opt-in and lawful contact or transfer authority are required.

✓Approved availability

Calls matched to your licensed states, language, schedule and daily cap.

Program details

Rates and payment dates

Pay-per-close pricing

A qualifying close is a lawful Medicare person-and-plan enrollment from a program transfer that the carrier approves and makes effective. Pending, rejected, withdrawn or canceled applications that never become effective are excluded. No qualifying close means no pay-per-close lead fee. A free personal-offer call remains free when it later closes.

Application periodPer qualifying closePayment due
AEP October 15–December 7, 2026$75January 18, 2027 for approved January 1 coverage
December 8–31, 2026$75January 1, 2027
January 1–31, 2027$75February 1, 2027
February 1–October 14, 2027$150First of the following month

The application submission date determines the rate after qualification is verified. AEP business keeps its original $75 or free treatment when approved or invoiced later. December business outside AEP is billed separately. Earlier signed agreements and completed orders keep their accepted terms until a new agreement or amendment is signed.

Standard agents have no seven-free-call allowance. The seven-free-call offers are personal to Ignacio and Victoria during AEP October 15–December 7, 2026 only; none applies after December 7 or in January. Standard enrollment has a one-time $1 fee. Verified SPANISH26 and VPINSURANCE offers waive that fee completely. There is no fixed monthly subscription. Any legally required tax is separately disclosed.

Signed invoices and payment approval

Review and sign before a lead charge

We provide an itemized pay-per-close invoice with the billing period, qualifying-close references, applicable rate, free-call exclusions, credits, total and due date. The agent must review and electronically sign the invoice acknowledgment through DocuSign before a saved payment method is charged. The signed approval must match that invoice and its final amount.

AEP 2026 balances remain due January 18, 2027. January sales are due February 1, 2027; February sales are due March 1, and later months are due on the first of the following month. We provide the invoice for review before its due date. Corrections require a revised acknowledgment before charging a different amount.

Signing the program agreement or paying the $1 enrollment fee is not blanket approval to charge later lead invoices. If an invoice is unsigned, the saved card must not be charged automatically. A refusal to sign does not cancel a valid debt under the signed program agreement; billing errors and good-faith disputes are reviewed.

Eligibility and the 30% weekly conversion requirement

Remain ready to take calls

Maintain active licenses, appointments and required certifications for every assigned state and carrier; approved access to at least three relevant carriers; and at least 15 hours of weekly availability for pay per close. Admission and call volume depend on program capacity. Sales are not guaranteed.

Every participating agent must maintain at least 30% weekly conversion, including agents with free-lead offers. Falling below that standard may lead to suspension or removal under the signed agreement. Previously earned balances remain payable on their original due dates even if you leave or are removed.

Conversion is qualifying connected calls with at least one lawful, carrier-approved enrollment divided by eligible connected calls in each Monday–Sunday delivery cohort, using Pacific Time. Each call counts once. Documented duplicates, invalid or incorrectly routed calls and vendor credits are excluded; genuinely pending carrier decisions are held out until resolved. Reviews begin no earlier than 14 days after week-end and require at least 10 resolved eligible connected calls. The established agreement process allows suspension or removal after two consecutive finalized weekly reviews below 30%, with the calculation provided and seven calendar days to identify documented errors.

Put the beneficiary’s needs first. Follow applicable CMS, carrier and state requirements for consent, contact, disclosures, Scope of Appointment, enrollment and records. Verify each beneficiary’s lawful election period. Agent lead fees must not be charged to beneficiaries.

Contracts, leaving the program and unpaid balances

Signed terms before delivery

A signed DocuSign agreement is required for pay-per-close participation before leads are delivered. Standard pay per close and each personal free-lead offer have their own applicable terms. Agency approval, licensing, carrier access, onboarding and payment arrangements must be complete before routing. A code alone does not activate delivery or amend an existing signed contract.

If I leave or fall below 30%, do I still owe?

Yes. Leaving, changing agencies, losing eligibility or being removed does not erase valid amounts earned under the signed agreement. AEP balances remain due January 18, 2027 even if you leave before that date. Other pay-per-close balances remain due on the first of the following month. Previously free calls remain free; departure does not turn them into charges or accelerate the stated due date.

What happens if I do not pay?

After the due date and any required notices, Midwestern Financial LLC may refer valid unpaid debts to a properly authorized collection agency or pursue lawful collection remedies. Any recovery of collection costs, interest or legal fees must be permitted by applicable law and expressly authorized by the governing agreement. We review documented billing errors and good-faith disputes and do not collect the same amount twice.

What happens to my LOA book if I leave or do not pay?

Agency-owned business under Midwestern Financial’s licensed-only-agent (LOA) arrangement stays with the agency. If you leave for any reason, you lose the right to take, sell or transfer that agency-owned LOA book. The same applies if the agency ends the LOA relationship for a valid undisputed unpaid balance after required notice. Midwestern Financial may request reassignment of servicing and permitted producer designations to Kenneth Christian, subject to carrier and upline approval, controlling contracts, licensing and applicable law.

This applies to agency-owned LOA business and does not transfer independently owned business, override expressly reserved ownership or vested rights, affect beneficiary coverage or choice, or authorize unlawful deductions from earned compensation. Valid debts and original payment dates remain in effect. Previously executed agreements require a mutually accepted amendment.

How are payments handled?

Enter payment information only through the secure Stripe-connected checkout or approved invoice link. Future pay-per-close card charges require the signed invoice acknowledgment and applicable payment authorization. Do not email or text card numbers, security codes or card photographs.

Is this a beneficiary enrollment website?

This program is for licensed insurance agents purchasing lead services. Agent fees do not determine beneficiary eligibility or plan choice. This application is not a Medicare plan enrollment.

Privacy and contact information

Application privacy

Midwestern Financial LLC uses agent information to verify eligibility, coordinate onboarding, administer agreements and invoices, and communicate about participation. HighLevel, Stripe and our electronic-signature providers process information needed to provide these services. Only information needed for lawful debt collection may be provided to an authorized collector.

Questions: [email protected]. Do not submit beneficiary Medicare numbers, Social Security numbers, medical records or other beneficiary information through the agent application.