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Get Licensed in Your State

Your step-by-step guide to earning a Life & Health license in all 18 states we serve — study options, exam scheduling, and real costs.

Step 2 of 3 · After Licensing, Before Contracting

Get Ready to Sell

You're licensed. Before any carrier will let you write a Medicare application, they need two things from you: your annual AHIP certification and proof of E&O insurance. Here's exactly where to get both and what they cost.

Not licensed yet? Start with our state-by-state Licensing guide.  ·  Already have AHIP & E&O? Go straight to Get Contracted.
1

AHIP CertificationRequired every year by every Medicare Advantage and Part D carrier

AHIP's Medicare + Fraud, Waste & Abuse training is the CMS-compliant annual certification carriers require before they'll appoint you. You take it once per plan year, every year you sell.

$175 $125
Never pay retail. Nearly every carrier and FMO publishes a discount link that takes $50 off. Use ours below — same course, same platform, lower price.
Start AHIP at the Discounted Rate →
50Questions
2 hrsTime Limit
90%To Pass
3Attempts Included
  1. Buy through a discount link, not the front door. Going direct to ahipmedicaretraining.com charges full price. Ask us for a link or use the button above.
  2. Work the modules, then take the exam. Medicare basics, enrollment, Medicare Advantage, Part D, and marketing/compliance rules — then the separate Fraud, Waste & Abuse module. Plan on 6–9 hours total. It's open book, but the passing bar is high, so don't wing it.
  3. Transmit your score to your carriers. Inside your AHIP account there's a transmit function — pick every carrier you're contracting with and send. It's free and you can re-send any time. Allow 24–48 hours to post.
  4. Save the PDF certificate. Some carriers pull your score automatically by NPN; others want you to upload the certificate in their portal.
Timing matters. The 2027 plan-year certification opened June 22, 2026. Carrier product certifications come after AHIP, and most carriers set ready-to-sell cutoffs in late August–September — well before AEP starts October 15. Certify early or you'll be watching AEP from the sidelines.
A cheaper alternative — check first. NABIP's MMACR certification costs $100, passes at 85%, and gives you 6 attempts plus CE credit in all 50 states. Roughly 66 carriers accept it — but not all, and several big ones still require AHIP specifically. Confirm with every carrier you plan to write before you buy it. See NABIP →
2

E&O InsuranceErrors & Omissions coverage — required before any carrier will appoint you

What carriers require: $1,000,000 per claim / $1,000,000 annual aggregate, claims-made, issued in your own name with your NPN. That's the floor at essentially every Medicare carrier — a few ask for more. Buy it before you start contracting; SureLC and most carrier portals won't let you submit without a certificate on file.
ProviderTypical CostLimitsHow FastWhy Agents Pick It
NAPAnapa-benefits.org $27–$50/mo $1M/$1M up to $1M/$3M Instant The most common choice among Medicare agents. Names Medicare Advantage, Med Supp and Part D explicitly. $0 deductible on health/life, and includes cyber/privacy and regulatory defense. Membership fee is bundled in.
CalSurancecalsurance.com/lh ~$400/yr $1M/$1M and up Fast online Defense costs paid outside your limits, which is meaningfully better coverage. Lots of FMO-sponsored discount programs — ask us before you enroll retail.
360 Coverage Pros360coveragepros.com $375–$440/yr $1M/$2M Instant Higher aggregate than most at this price, and the policy covers your support staff too. Newly licensed agents get the lower rate.
SuranceBay (EOforLife)eno.surancebay.com $354–$601/yr $1M/$3M Instant Best convenience play: it's built into SureLC, so your certificate flows straight into carrier contracting paperwork without you uploading anything.
Rockwood Programsrockwoodinsurance.com ~$440–$600/yr $1M/$1M and up Underwritten Where to go if instant-issue declines you — prior claims, a license action, a bankruptcy or felony in your history. Real underwriters, quarterly payment option.
Before you buy: every one of these is a claims-made policy. Keep coverage continuous — if you let it lapse or switch carriers without tail coverage, your retro date resets and past work stops being covered. Also watch the "newly licensed" rates: they usually require under 2 years licensed and under $100K in commissions, and they reprice in year three. Prices shown are starting points and vary by state, product mix and claims history — confirm on the provider's site.

Your Ready-to-Sell Checklist

  1. Pass AHIP using a discount link — call or text 1-918-420-9999 and we'll send you ours.
  2. Bind your E&O policy at $1M/$1M or better, and download the certificate PDF.
  3. Look up your NPN at nipr.com and keep it with your license number and E&O certificate in one folder.
  4. Transmit your AHIP score to every carrier you plan to contract with.
  5. Start contracting — with those four things in hand, carrier paperwork takes minutes instead of weeks.

AHIP Done? E&O in Hand?

You're officially ready to sell. Last step is picking your carriers — tick the ones you want, fill out one application, and we submit you to all of them.

Final Step: Get Contracted

Questions on AHIP or which E&O to buy? Call or text 1-918-420-9999.

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