The Medical Insurance Exchange is the independent agency upline built for agents who want real carrier access, top-tier contracts, and a support team that actually picks up the phone — without giving up ownership of their business.
Why Agents Join
Why The Exchange
Most uplines chase override volume. We're built the opposite way: we win when our downline agents win. Real contracts, real support, real ownership — so you can focus on what actually grows your book.
Full commission payout on every product line. No hidden cuts, no bait-and-switch overrides. Transparent statements and on-time direct deposit — carrier-paid, every month.
Medicare Advantage, Supplement, Part D, ACA, STM, dental, vision, life, final expense, and ancillaries — all under one roof. Stop losing sales to "I don't have that carrier."
CRM workflows, quoting tools, commission dashboard, and AI-powered automations — all powered by the Phil-Am Connect portal. Built by an ops team that understands agents.
Dedicated back-office team for contracting help, carrier escalations, enrollment questions, and compliance guidance. No gatekeepers, no tickets that disappear.
Live AI & automation workshops, AEP prep, product deep-dives, and ready-to-use scripts. We teach you how to sell, not just what to sell — whether you're brand new or bringing a book.
No captive strings. No non-competes. No surprise vesting schedules. You own every client and every renewal. Build equity in the business you've worked for.
Product Shelf
Whether your clients are under 65 and shopping the marketplace or aging into Medicare, the Exchange gives you the carriers and the tools to write every policy in your pipeline.
ACA marketplace, short-term medical, and supplemental coverage for working-age Americans and their families — with subsidy tools built in.
Every lever you need for the senior market — with NMO-level contracts through Spark Advisors and direct agency appointments across the top carriers.
Transparent Upline
No mystery structure. No hidden layers between you and the carriers. Here's the full chain — so you can see exactly how your contracts flow and why your commissions stay intact.
Three tiers of infrastructure above you — so you get the carrier access of a national NMO and the hands-on support of a local agency. All at street-level comp.
Principal · Licensed Life & Health
"I built The Exchange around the kind of support I wish I'd had as a new agent — real contracts, real people, and a seat at the table, not at the bottom of a pyramid."
Michael is a Houston-based insurance professional with over a decade of field experience in Medicare and Under-65 health markets. As Principal of The Medical Insurance Exchange, he leads agent development, carrier relations, and the downline support infrastructure that sets MIE apart from traditional uplines.
A Life & Health licensed agent and active member of the Houston Northwest Chamber of Commerce, Michael runs the agency on a simple principle: the upline's job is to make the agent more successful — not the other way around.
Onboarding
No runaround, no mystery inbox. Our onboarding is structured, fast, and supported every step of the way by the Phil-Am operations team.
A 20-minute conversation with Michael to understand your market, license status, and what a great partnership looks like for you.
We send a SureLC invite and walk you through carrier appointments. Most agents finish their paperwork the same day.
Access to the Phil-Am Connect portal, CRM, training library, quoting tools, and your dedicated point of contact.
Quote, enroll, and submit. We handle the back-office work so you can focus on the one thing that actually grows your book.
Joining The Exchange meant I stopped losing sales to "I don't have that carrier." One contract, every product I need, and a team that actually answers when I call.
Independent Agent · 2nd year with MIE
Whether you're brand new to insurance or bringing an established book with you, we'll make the move simple. Tell us about yourself and we'll set up a discovery call with Michael this week.
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