Medicare ACA & Marketplace Life & Ancillary Supplemental
Life & Ancillary

Build a real life & ancillary business.

Top-tier contracts, a curated carrier portfolio, and the operational infrastructure to scale — built on the same platform that already powers our health distribution across all 50 states.

Get contracted View our carriers
What's included

Three product categories, one platform.

Term Life

Time-bound protection.

Level term coverage with 10, 15, 20, 25, and 30-year options for clients seeking affordable, time-bound protection.

Common use cases: income replacement during working years, mortgage protection, and coverage tied to dependent timelines — with competitive rates and streamlined underwriting.

Anchor carriers Transamerica Mutual of Omaha

Click to expand

Permanent Life

Lifetime coverage with cash value.

Whole Life, Guaranteed Universal Life (GUL), and Indexed Universal Life (IUL) — lifetime coverage with cash value accumulation and living benefits.

Use cases range from estate planning and legacy transfer to tax-advantaged retirement income strategies.

Anchor carriers National Life Group Transamerica Mutual of Omaha

Click to expand

Annuities & Final Expense

Income, retirement & legacy.

Fixed Indexed Annuities (FIAs), Multi-Year Guaranteed Annuities (MYGAs), and Single Premium Immediate Annuities (SPIAs) for retirement income planning and principal protection.

Final expense (simplified-issue whole life) is structured for seniors seeking guaranteed coverage for end-of-life costs — without medical exams.

Anchor carriers American Amicable Mutual of Omaha

Click to expand

The Carepoint advantage

Built for consultative life selling.

From carrier strength to underwriting support, every part of the Life & Ancillary workflow is designed to help your agents close bigger cases — and place more business.

Six advantages

Carrier strength

A-rated carriers across the roster.

Every carrier in the Carepoint Life & Ancillary network is A-rated or better by AM Best — financial stability your clients can verify and trust at the moment of placement.

Transamerica Mutual of Omaha National Life Group American Amicable
Compensation

Top contract levels.

Carepoint negotiates street-plus compensation with top-tier override structures — better contract levels than agents can access on their own, with no minimum production requirements to qualify.

Street-plus compensation across the carrier roster
Underwriting support

Field UW with our Life & Ancillary team.

A dedicated Life and Ancillary team walking your agents through every case — pre-screening complex underwriting questions, identifying the right carrier fit, and getting tough business placed faster.

Real people on every complex case — not a ticket queue
Quoting

Multi-carrier quoting

Side-by-side rate comparison across the roster in seconds — find the right product and the best price for every client.

Access

One contract, every carrier

Single Carepoint contract gives your agents access to the full Life & Ancillary roster — no carrier-by-carrier appointments.

Integration

Cross-sell ready

Life & Ancillary integrated with your Medicare and ACA book — serve every client need from a single agent relationship.

Ready when you are

Add Life & Ancillary to your book of business.

Top-rated national carriers, electronic applications, and consultative selling tools — protect your clients beyond health coverage and grow recurring revenue.

Get contracted Schedule a walkthrough

Ready to grow with structure?

Whether you're building your book or scaling an agency, Carepoint gives you the tools, access, and support to move forward with confidence.

Get a DemoLearn More

See how it works

A closer look at our ecosystem, and what makes Carepoint different.

Explore the platform

Speak to our team

Have questions? We’ll walk you through everything and help you decide if it’s the right fit.

Connect with us

Platform

The Experience
The Model
The Academy
Carrier Access
For Agencies
For Agents

Company

About Carepoint
Our Team
Jobs

Resources

Carepoint Insights
Events & Trainings
Agent Resources
Agency Resources
FAQs

Support

Contact Us
Schedule a Walkthrough
Log in

Carepoint is an independent organization and is not affiliated with or endorsed by the United States government or the federal Medicare program. We do not represent all plans available in your area. The information provided is limited to the plans we offer. For additional plan options, please visit Medicare.gov or call 1-800-MEDICARE.

© 2026 Carepoint. All rights reserved. By using this website, you agree to our Terms of Service and Privacy Policy & Notices at Collection.