Polish Falcons of America
Final expense · Whole life
Up to110%
Please contact us regarding Polish Falcons’ unique commission structure.
Request contract →MiHUB™ · Built by agents, for agents
Your whole field day, in your pocket.
Built by agents who meet face-to-face with clients at their kitchen tables. MiHUB brings everything you need to sell and keep your clients into one simple app on your phone, iPad or computer. One login instead of a separate CRM, dialer, route app, calendar and sales coach.
- Exclusive: your own AI Live Coach. Only in MiHUB.
- Free professional website included. Built and hosted for you.
- New: your own AI receptionist. It answers your calls, books appointments and takes your messages.
- Built for the field or the office. Knock doors or sell by phone, all in one place. Big buttons, simple screens, works on any phone.
- Medicare Advantage tools built in. Designed to follow CMS Medicare rules and easy to use.
- From the first knock to the sale, without switching apps.
- Add it to your home screen like an app. No download needed.
- Your own private login. Your clients and numbers stay yours.
Exclusive · AI Live Coach
Your own AI sales coach. Only in MiHUB.
The edge most agents never get. MiHUB's AI Live Coach is in your corner on every call, so you feel confident, stay sharp and keep getting better, whether you are brand new or a seasoned pro.
Confidence on every callReal-time supportBetter with every call
Free for agents contracted with our agency.Get contracted todayNot contracting? Get MiHUB on its own.A training aid. Agents remain responsible for compliance on every call.New · AI Receptionist
Never miss a client call again. Only in MiHUB.
When clients call the office for you, MiHUB's AI receptionist answers in a warm, professional voice. It books appointments right onto your calendar, connects callers to you, and if you're busy, it takes the message so you can call back with confidence.
Answers every callBooks on your calendarMessages with recording & transcript
Free for agents contracted with our agency.Get contracted todayNot contracting? Get MiHUB on its own.The AI receptionist shares general office information only. All insurance questions go to a licensed agent.See MiHUB in 30 seconds
Leads, routes, calls, clients and a live AI coach, in one login.
Scenes are AI-generated. Hub screens show sample data.
40+built-in tools
1login for everything
Anydevice: phone, iPad or computer
$0for all-contracts agents
In the field
- Plan your day in minutes
- Know your leads before you knock
- A clear record of your field work
- Office help with hard-to-reach leads
Built-in calling
- Call your leads from any device
- Client details on screen when they answer
- Calling protections built in
- Calls kept private and secure
- Ask for more leads to call, right from your dialer
- AI receptionist that answers calls, books appointments and takes messages New
Calendar & appointments
- Appointments set for you by our office
- Everything you need, one tap from each appointment
- Never miss a call back
- Find any appointment by typing a name
Clients & your book
- Every client and policy in one place
- Alerts before a policy is lost
- Client reminders and yearly review letters
- Your numbers at a glance
- Hand a lead to another agent in one tap
Medicare Advantage
- Enroll through HealthSherpa, right inside MiHUB
- A wide range of Medicare Advantage carriers in one place
- Completed enrollments saved to your client's file
- Guided phone enrollment
- Plan options for your client's area
- Practice before your first real call
- Plan changes kept separate from cancellations
Selling & training
- Quotes at the kitchen table
- Training built by agents who sell every week
- Forms and carrier contacts in one place
Notes & client files
- Handwritten notes with Apple Pencil
- Every note saved in the client's file
- Photos of IDs and forms kept with the client
- Scope of Appointment signed on screen
- Policy papers saved with each client
- Client details filled in from a photo of their card
Email campaigns INCLUDED
- Branded emails to your clients and leads
- Annual reviews, birthdays and holiday thank-yous
- Enrollment-season reminders
- Unsubscribes handled for you
Voice search INCLUDED
- Just tap and say what you need
- Open a client's file by name
- See tomorrow's appointments and this week's birthdays
- Add a quick note without typing
AI Practice Partner ADD-ON
- Practice out loud with a lifelike AI client
- Built from your agency's own training manual
- A score and next steps after every session
- $39 a month per user, up to 300 practice minutes a month
Designed to follow CMS Medicare rules and easy to use. Medicare Advantage carriers available to you depend on your carrier appointments and your client's area. See the full Hub in a live walkthrough once you are contracted with us.
Included
All your contracts with us
Free
The full MiHUB at no cost when all of your carrier contracts are through our agency.
- Every included feature above
- Your own professional website, built and hosted free
- New features as they are added
- Training and field support
Not contracting with us?
Get MiHUB on its own.
Any licensed agent or agency can buy MiHUB. Founding Members (first 25 only) lock in $59 a month solo or $45 per agent a month for agencies for 12 months. Regular price $79 solo or $59 per agent. One-time setup fee applies. Try it free for 30 days.
MiHUB™ is proprietary software developed and owned by Michigan Benefit Service & Family Care, LLC. Its design, features, workflows and content are confidential and may not be copied, reproduced, reverse-engineered or shared. Access is limited to licensed agents and agencies and is subject to the MiHUB Terms of Use at getmihub.com/terms. Free access requires all of your carrier contracts to be through our agency. Otherwise, MiHUB is a paid subscription. Quotes come from live carrier quoting tools; final premium and approval are set by each carrier's underwriting. Features may change. MiHUB is a business tool and does not guarantee sales or income. © 2026 Michigan Benefit Service & Family Care, LLC. All rights reserved.
Street-level compensation
Find your commission level
Top contract levels with you owning your book of business. Search a carrier or filter by product.
KSKJ Life
Whole life
Up to100%
Request contract →
Family Benefit Life
Final expense
Up to105%
Request contract →
CICA Life
Final expense
Up to110%
Request contract →
Royal Neighbors of America
Final expense · Life
Up to110%
Request contract →
Liberty Bankers Life
Final expense · Med supp
Up to110%
Request contract →
Baltimore Life
Final expense
Up to110%
Request contract →
Mutual of Omaha
Life · Final expense · Med supp
Up to110%
Request contract →
Transamerica
Life · Final expense
Up to110%
Request contract →
American Amicable
Final expense · Life
Up to110%
Request contract →
Foresters Financial
Life · Final expense
Up to110%
Request contract →
AIG (Corebridge)
Life · Guaranteed issue
Up to100%
Request contract →
Americo
Life · Final expense
Up to110%
Request contract →
Gerber Life
Life · Guaranteed issue
Up to60%
Request contract →
Aetna Supplemental
Final expense · Supplemental
Up to110%
Request contract →
TruStage
Life · Final expense
ContractAsk us
Request contract →
GTL
Life · Guaranteed issue
ContractAsk us
Request contract →
No carriers match. Try another search.
Commission levels shown are first-year, as a percentage of annual premium, and are the highest level available. Actual levels vary by product, issue age, and contract level, are subject to carrier approval, and are not a guarantee of earnings. Book ownership is subject to each carrier’s agreement.
How contracting works
Request in minutes. Appointed in days.
Contracting runs through SureLC by SuranceBay. Complete your profile once, then e-sign for each carrier.
01
Apply here
Two-minute application. Pick one carrier or many.
02
Get your SureLC invite
We send a SureLC by SuranceBay link to your email.
03
E-sign online
Complete your SureLC profile once and e-sign for each carrier you choose.
04
Get appointed
Appointed in as little as 3 days with some carriers, and ready to write.
$0We make nothing from leads
Lead programs
Leads from people who raised their hand
We do not sell leads. We connect you with exclusive third-party vendors for low-cost leads and pass our discount on to you.
Direct mailLow-cost reply cards in targeted ZIP codes
Real-time digitalFresh online leads from exclusive vendors
Your discountOur vendor discount passed on to you
We do not sell leads. We work with exclusive third-party vendors for low-cost direct-mail and real-time digital leads, and pass our discount on to you. We do not make any money from leads. Lead types, costs, and availability vary by vendor and state.
Training
Coaching built for the kitchen table
Exclusive proprietary training materials are provided.
The appointment
Phone scripts for working final expense leads, setting appointments that hold, and confirming the day before.
The presentation
A clear, respectful kitchen-table presentation that puts the client’s needs first.
Underwriting
How to read health history and match each client to day-one, graded, or guaranteed issue coverage.
Placement
Clean applications, smart draft dates, and follow-up that keeps business on the books.
Medicare Advantage
Medicare Advantage contracts and training
Get contracted with leading Medicare Advantage carriers and get the training to sell with confidence.
- Street-level compensation. Paid at the carrier’s full agent level, within CMS compensation rules.
- You own your book. Your clients stay yours, subject to each carrier’s agreement.
- AHIP and certification help. Step-by-step support for AHIP and each carrier’s annual certification.
- Exclusive training. Proprietary Medicare training on plan comparisons, enrollment periods, and compliant sales.
Medicare Advantage compensation is set by each carrier within CMS limits. You must complete AHIP and each carrier’s certification before selling. Plan availability varies by state and county.
Apply
Request your contracts
Three short steps. We email your SureLC invitation for each carrier you choose. Just one contract is fine.
States
Where we contract
We currently contract agents in the 16 states where our agency is licensed. We are adding states as requests come in. If your state is not listed, apply anyway and choose “Other state.”
ALAlabama
AZArizona
FLFlorida
GAGeorgia
INIndiana
KYKentucky
MIMichigan
MSMississippi
NCNorth Carolina
OHOhio
PAPennsylvania
SCSouth Carolina
TNTennessee
TXTexas
VAVirginia
WVWest Virginia
+More coming
FAQ
Common questions
Can I pick up just one contract?
Yes. Contract with one carrier or as many as you like. There is no minimum, and you do not have to move your other contracts.
How does contracting work?
It is all online through SureLC by SuranceBay. After you request contracts here, you receive a SureLC invitation, complete your profile once, and e-sign for each carrier you choose. Read our final expense contracting guide for the full process.
How fast will I be appointed?
Some carriers can appoint you in as little as 3 days. Timing depends on the carrier and your state, and each carrier makes the final decision.
Do I need a license?
You need an active resident life license to be appointed, and an accident & health license for health and Medicare products. If your license is in progress, apply now and we will help you plan your next steps.
How do the lead programs work?
We do not sell leads. We work with exclusive third-party vendors for low-cost direct-mail and real-time digital leads, and pass our discount on to you. We do not make any money from leads.
What commission levels are available?
First-year levels go up to 110% of annual premium with many carriers, shown on the commission board above. Actual levels vary by product, issue age and contract level, and are subject to carrier approval.
Do I own my book of business?
Yes, your clients stay yours, subject to each carrier’s agreement.
Can I also get Medicare Advantage contracts?
Yes. We contract Medicare Advantage carriers too. You must complete AHIP and each carrier’s certification before selling, and compensation is set by each carrier within CMS limits.
What if my state is not listed?
We currently contract agents in the 16 states where our agency is licensed, and we are adding states as requests come in. Apply and choose “Other state.”
Free agent resources
Helpful links for every final expense agent
Official tools and plain-English guides for licensing, contracting, calling rules, Medicare, taxes and helping families. Free to use, whether or not you contract with us.
Licensing
- Look up your NPNNIPR tool to find your National Producer Number.
- NIPR Licensing CenterApply for non-resident licenses, renew, and update your address.
- State insurance departmentsNAIC directory of every state insurance department.
Contracting & compliance
- SureLC by SuranceBayThe online contracting platform most carriers use.
- FinCEN anti-money launderingU.S. Treasury agency behind the AML rules carriers train on.
- Vector OneDebit balance reporting carriers check during contracting.
- MIBUnderwriting information exchange used by life insurers.
Calling & texting rules
- Do Not Call Registry for telemarketersRegister and download the numbers you must not call.
- FTC Telemarketing Sales RulePlain-English guide to federal telemarketing rules.
- FCC robocall and telemarketing rulesFCC actions on autodialed calls and texts.
Helping final expense clients
- VA burial benefitsWhat the VA may provide for eligible veterans.
- Social Security survivor benefitsBenefits a surviving spouse or family may receive.
- FTC Funeral RuleClients' rights when buying funeral goods and services.
- NAIC life insurance guideNeutral consumer information on life insurance.
Medicare
- CMS marketing guidanceOfficial Medicare Advantage and Part D marketing rules.
- Medicare Plan FinderCompare Medicare plans by ZIP code.
- AHIP Medicare trainingAnnual Medicare certification required by most carriers.
Your business & taxes
- Self-employment taxIRS basics for 1099 agents.
- Estimated taxesWhen and how to pay quarterly estimated taxes.
- Home office deductionIRS rules for deducting a home office.
These links go to outside websites we do not own or control. They are for general information only and are not legal or tax advice.