CareBetter

For Licensed Health & Life Insurance Agents

100% commission. Still 100% yours.

CareBetter gives you an agency platform with no seat fees or software costs — you only pay for the leads you run.

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No obligation if approved — log in and look around before you commit.

Why Agents Switch to CareBetter

Everything you need to sell more, keep more, and stress less.

The call screen during a live call: the call controls, and the AI checklist prompting the agent through the required disclosures
Live Inbound Leads + Real-Time AI Coaching

Prospects transfer straight to your headset — no cold lists, no dialing through spreadsheets. Every call is recorded and monitored by our AI in real time, flagging issues and coaching you call over call, so you spend your day closing instead of prospecting.

Side-by-side plan comparison with live pricing Household and plan details screen
One-Click Quoting & Direct Enrollment

Pull up a client, compare live carrier quotes, and enroll — all in one screen. No more toggling between tabs and retyping the same information twice. One click sends the application straight to the carrier, so you close the sale before your prospect changes their mind.

Automated follow-up SMS thread with a client Automated retention call summary and timeline
Automated Client Follow-Ups & Retention

We track every policy after the sale and reach out automatically — reminders, check-ins, and renewal touchpoints — so clients stay enrolled and your book stays active. Less chasing, more of your commission still paying out month after month.

What You Keep

100%

Street-level commission — yours, paid direct from the carrier.

$0

Seat fees. Software costs. Platform license fees.

Exclusive

Exclusive leads — buy them straight through the platform.

Commissions are paid as-earned and net of any carrier chargebacks (e.g., policy cancellation or lapse); rates are set by carriers, not CareBetter. Lead costs are funded by you in advance and are non-refundable.

Ready to keep your 100%? Apply now → Want the exact dollars? Run our commissions calculator →

Get Appointed

Keep your 100%. Starting with your next policy.

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CareBetter engages agents as independent 1099 contractors, not employees. Commission rates are set by carriers; income, lead volume, and production are not guaranteed.

Full FAQ →

Questions?

A Few Things Agents Ask Before Applying

Where do leads come from and what do they cost?

High-intent inbound calls provided on the platform by vetted third-party vendors. Pricing is simple: $15, $20, or $25 per lead. You choose.

How do commissions work?

Receive 100% direct-from-carrier payouts as recurring monthly passive income. CareBetter takes zero split and never touches your check.

What happens if a client cancels their policy?

For ACA health plans paid on a monthly PMPM schedule, there are no advance chargebacks. If a client cancels, your monthly payments stop. CareBetter does not claw back months you already earned. Ancillary products such as DVH plans follow standard carrier chargeback schedules if a policy cancels early.

Are there production minimums or set working hours?

Zero production quotas, minimum lead spends, or forced hours. You run your business with total independence as a 1099 contractor.

Am I an employee of CareBetter?

No. CareBetter engages agents as independent 1099 contractors, not employees. Carriers set commission rates, not CareBetter. Income, lead volume, and production are not guaranteed.

How does contracting work?

Contract with our 5 top carriers directly through our digital portal in just a few clicks. No paperwork delays, no administrative headaches.

How do I get started?

Submit your application to unlock instant portal access, sign your agreement, and launch contracting immediately.