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If you have any questions regarding the new agent onboarding, or contracting process you can reach out to us.
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First Steps
Joining the Stella Health team is super easy! First, we’ll send you an Independent Agent onboarding packet through Docusign, so you can get everything done quickly and without any hassle. Just fill it out, sign it, and you’re ready to roll! We’ve designed this process to be as smooth as possible so you can get started in no time.
The onboarding packet has everything you need to get started, including a Producer Agreement that spells out the relationship between you and Stella Health. It’s all about setting expectations, so no surprises! You’ll also fill out an Agent Profile (basic info), a Schedule A Agreement (how much commission you’ll earn), a W9 form, and a Direct Deposit form. Super straightforward, and we’re here to help every step of the way.
Great question! As a Career Agent, you get a salary plus commission. You’ll enjoy some awesome benefits like paid time off, health insurance, 401k matching, and more. You’ll be supporting current clients while bringing in new ones.
On the flip side, as an Independent Agent, you’re your own boss! You earn commission for every client and get annual residuals as long as they stay with us. Plus, you’re building a business that you can eventually sell. Even though you're independent, at Stella, we work together, so you’ll always feel part of the team.
Absolutely! Once you’ve got the hang of things, you can start your own Sub Agency through Stella Health. You’ll lead a team and create your own business under our umbrella. The growth potential here is huge, and we’re excited to help you every step of the way!
Along with the contract, we’ll need a copy of your State License, your AHIP certification, and E&O insurance. That’s it! If you have questions or need help, just give us a shout.
Starting your own Sub Agency with us is exciting! To do so, you’ll need to fill out a General Agency Agreement—just like you did for the Career or Independent packet. We’ll also ask for an Agency Profile with some basic info like your agency name and contact details. You’ll also need a Business Entity License and a corporation set up. To form a Level 1 Sub Agency, you’ll need at least 5 agents and a production count of 300. As you grow, you can move up to a Level 2 Sub Agency with 10 agents and 600 in production. It’s all about growth here at Stella!
License
It’s easier than you think! Just follow these 4 steps:
- Complete 40 hours of pre-licensing study and 12 hours on ethics and the California Insurance Code.
- Get your fingerprints taken for a background check.
- Pass the California State License Exam.
- Apply for your State License online.
We’ve got your back through the whole process!
You bet! We’ve partnered with ExamFX to offer you discounted training packages. Normally $209.95, you’ll get it for just $59.95 using our special registration code. If you prefer live online training, that’s available too at $89.95 instead of $249.99. It’s a steal—and a great way to prepare!
When you are ready to take your fingerprints for the California state requirement you must go to the Accurate Biometrics site to schedule an appointment for your finger print impressions. Here is the link for that site, https://accuratebiometrics.com/contact Also when attending your appointment for your fingerprint impression at Accurate Biometric you must bring along a completed Live Scan Request Form. Here is a link to that document, http://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/upload/LIC44239AReqlivescan-4.pdf
When you are ready to take your fingerprints for the California state requirement you must go to the Accurate Biometrics site to schedule an appointment for your finger print impressions. Here is the link for that site, https://accuratebiometrics.com/contact Also when attending your appointment for your fingerprint impression at Accurate Biometric you must bring along a completed Live Scan Request Form. Here is a link to that document, http://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/upload/LIC44239AReqlivescan-4.pdf
When you have complete steps 1-3 of the licensing process you are now ready to apply for your California state individual license. You must go to the Sircon website and complete an application for your state license. Here is the link for the site, https://www.sircon.com/products/apply.jsp
The costs depend on a few things. The discounted ExamFX package will be $59.95 or $89.95. Fingerprinting is $59 through Accurate Biometrics, or $68.95 if done at the exam center. The state exam itself costs $88, and the licensing fee for two years is $188. We’ll make sure you’re prepared and know exactly what to expect!
Yes, you can obtain an out of state license as a non-resident for other states. Stella Health is currently contracted to sell all Medicare products with each carrier in the states of Arizona, California, Colorado, New Mexico, Nevada, and Texas. You are more than welcome to acquire any of those state license in addition to your required California state license. This can be completed within the Sircon website.
No, obtaining your business entity license is so much quicker than obtaining your individual state license. The steps to obtain you business entity license are as follows;
Step 1 - Reserve your business name for approval.
Step 2 – You must apply for your business license on the Sircon website.
Step 3 – Endorse an individual accident and health agent to your business entity. When applying for your sub agency license you theindividual that will be endorsed on the business entity must already have a California state individual license.
All steps 1-3 can be completed on the Sircon website. Here is the link to Sircon, https://www.sircon.com/products/apply.jsp
AHIP
An AHIP is a Medicare, and Fraud, Waste and Abuse certification. The AHIP certification is something each agent must complete on a yearly basis. Every agent must have this in order to become a Stella Health agent. The AHIP is also required to begin the contracting process for each insurance carrier.
You can complete the AHIP certification through the AHIP website, Here https://www.ahipmedicaretraining.com/ext/ahip/login.php
Yes! If you need any assistance during your AHIP certification the onboarding specialist at Stella Health will be able to assist you. You may reach out to the onboarding specialist at anytime.
The fee for the AHIP certification is $175.00. #Stellahack Want to find out how to take your AHIP certification at a discounted price of $125.00? Speak with the onboarding specialist at Stella Health to find out more.
E&O
E&O stands for Errors and Omissions, an E&O is insurance coverage for licensed life and health agents. Another requirement for both Stella Health and each insurance carrier.
Great news! You can get your E&O through Stella Health. All you must do is sign an E&O request form and send over payment of $122.00. Once we received both you will be sent a copy of you E&O right away. Easy right?
Final Steps
Congratulations! Now you can begin the contracting process. The onboarding specialist at Stella Health will be working with you throughout this entire process. The onboarding specialist will send you direct links with the carriers you are interested in to start the certification and training process. Once you complete the required certification and training requirements for each carrier you will get your “Ready to Sell” status. Once you get this notification you can begin selling all Medicare products for that specific carrier.
Stella Health currently works with Aetna, Alignment, Anthem Blue Cross, Brand New Day, Central Health, Covered CA, Humana, LA Care, Promise, Scan, United Health Care, Vitality, WellCare, Blue Shield of California, and SilverScript. Stella Health also gives each agent the opportunity to sell top Life Insurance companies through a self quoting platform. Contact the onboarding specialist to find out more!
You may get contracted with as little or as many carriers as you would like, it is all up to you.
That all depends on you, after you complete all certification and training requirements it usually takes about 3-5 business days to receive your ready to sell status. The more on top you are on getting all requirements completed that faster you can begin to sell.
Great question, the answer to that is yes. Stella Health provides each active Career agent with support and guidance on how to successfully enroll a new member. If you would like any assistance with enrolling a new member please reach out to one of our wonderful sales representatives on how to do so.
Depending on which carrier you are contracted with you may have the ability to sign up for direct pay or you will receive your commissions through Stella Health’s Commission Department. Commissions are released periodically. When completing the contracting process with each carrier you will be given the time frame in which each monthly or weekly commission statement is released.
If you have any questions regarding the new agent onboarding, or contracting process you can reach out to contracting department at contracting@stellainsurance.com Direct (213)282-6208