For Property & Casualty Agents
P&C Agents: You're Sitting on a$100K+ Goldmine.
Your clients need Medicare, life insurance, and annuities. They're buying from someone — why not you? You already have the license, the relationships, and the trust. You just need the right products and the right partner.
The Opportunity
10,000 Americans Turn 65 Every Single Day
The Medicare market is the largest, fastest-growing insurance opportunity in American history. And as a P&C agent, you have something that pure Life & Health agents don't: an existing book of clients who already trust you.
Think about your auto and homeowners clients. How many of them are between 60 and 70? Every single one of those clients will face a Medicare enrollment decision in the next few years. They'll get bombarded with mailers, TV ads, and phone calls from strangers. Or they can call you — the agent they already trust.
Products You Can Add
Life & Health Products for P&C Agents
These are the products your existing P&C clients need most — and the ones that generate the strongest renewal income over time.
| Product | Commission | Why It Works for P&C Agents |
|---|---|---|
| Medicare Advantage | $694 NTM / $347 renewal | Your auto/home clients turning 65 are your best Medicare prospects |
| Medicare Supplement | Varies by carrier | High-retention product with strong renewal income |
| Final Expense Life | 80-120% first year | Simple underwriting, fast issue, strong renewals |
| Term Life Insurance | 60-90% first year | Every P&C client with a mortgage needs this conversation |
| Indexed Universal Life (IUL) | 80-100%+ first year | Premium product for business owners and high earners |
| Fixed Indexed Annuities | 4-8% of premium | Retirement income planning for your aging client base |
| ACA Health Plans | PEPM rates | Serve clients under 65 who need health coverage |
| Dental/Vision/Hearing | Varies | Easy add-on to Medicare and senior conversations |
Income Stacking
What Adding L&H Looks Like in Real Numbers
Based on 25% NTM ($694) / 75% flip ($347) mix. Year 1 only — renewal income grows significantly in Years 2-10.
Getting Started
From P&C to Life & Health in 30 Days
Get Your Life & Health License
Most states require a separate L&H license from your P&C license. Pre-licensing courses are available online and typically take 20-40 hours. The exam is straightforward for experienced P&C agents.
Complete AHIP Certification (for Medicare)
The America's Health Insurance Plans (AHIP) certification is required to sell Medicare Advantage. It's an online course that takes about 4-6 hours and costs around $175. Required annually.
Contract with Darin's Agency
Complete your contracting paperwork online in about 10 minutes through the GainSystem portal. Darin processes your carrier appointments and gets you set up with the right carriers for your market.
Complete Carrier Certifications
Each Medicare Advantage carrier requires an annual certification. Darin's team guides you through the process and helps you prioritize which carriers to certify with first based on your market.
Start the Conversations
You already have clients who trust you. The conversation is simple: 'I've added Medicare and life insurance to my practice. As you approach 65, I'd love to help you navigate your options.' That's it.
Free Download
The P&C Agent's Life & Health Playbook
How to Add $50K–$100K+ in Annual Revenue to Your Existing Book. A complete guide for P&C agents making the crossover to Life & Health.
- Why P&C Agents Are Sitting on a Goldmine
- Life & Health Product Overview for P&C Agents
- Licensing Requirements — What You Need
- Cross-Selling Strategies That Actually Work
- The Medicare Opportunity — Your Clients Are Turning 65
- Income Projections — Stacking L&H on Top of P&C
- Getting Started in 30 Days — Your Action Plan
Get Your Free Playbook
Get Appointed with Top-Rated Carriers — Contract Today
Your P&C clients are turning 65. Your existing relationships are your greatest asset. Don't let another agent get there first.