If you are a health insurance agent in Florida or thinking about becoming one, Lopcha offers a partner model that goes beyond the typical producer contract. It's not just access to carriers — it's a complete platform with proprietary technology, operational support, and a community of agents growing together.
In this article we explain exactly what you get as a Lopcha Partner, what is required to join, and why our model is different in the market.
What is a Lopcha Partner Agent?
A Lopcha Partner is an independent agent or agency that works under Lopcha's insurance coverage and contracts, accessing competitive overrides, Ensuro AI technology, and operational support, while maintaining their independence and brand.
Why Partner with Lopcha?
Competitive Overrides
Above-market compensation structure with volume overrides and overrides on agents in your sub-agency.
Ensuro AI
Access to our proprietary artificial intelligence platform that generates eligibility reports in minutes, not hours.
Back-Office Support
Support team for contracting, compliance, special cases, and client questions. You sell, we operate.
Top Carrier Contracts
Access to Humana, UnitedHealthcare, Devoted, Wellcare, Ambetter and more — with direct contracts managed by Lopcha.
Ensuro AI: The Technology Difference
One of the most important differentiators of working with Lopcha is access to Ensuro AI, our proprietary artificial intelligence platform for insurance agents.
Ensuro AI allows agents to:
- Generate eligibility reports for Medicare, ACA, and Medicaid in minutes
- Automatically compare plans based on the client's profile
- Detect if a client qualifies for additional subsidies (LIS, DSNP, IRMAA, etc.)
- Document client consultations automatically
- Send professional reports to clients by email with one click
In markets where many clients have complex situations (dual Medicaid, variable income, immigration status), Ensuro AI makes a real difference in the agent's ability to better serve their clients.
Who Can Be a Lopcha Partner?
We accept two types of partners:
Individual Agent
If you are an agent with a health insurance license in Florida (or in the process of obtaining one), you can join as an individual agent. You will receive access to Ensuro AI, contracting support, and overrides on your own production.
Agency / Sub-FMO
If you have or plan to have your own agency with sub-agents, the Partner model gives you overrides on your entire team's production, recruitment support, and the infrastructure to scale without increasing your operating costs.
Process to Become a Partner
Request an exploratory meeting
Schedule a 30-minute call with our team. We evaluate your profile, current licenses, production volume, and growth objectives.
Review and contract offer
We present a personalized proposal with override structure, access to specific carriers, and level of support. No minimum volume commitments.
Contracting and onboarding
Our team manages contracting with each carrier. The process takes between 1 and 3 weeks depending on the carrier. During this time, we give you access to Ensuro AI and training materials.
Start selling
Once contracted, you begin selling and receiving support from our back-office. Commissions are processed directly by carriers to your account.
Requirements
- Health insurance license in Florida (or in the process of obtaining one — we help you)
- AHIP certification to sell Medicare (or willingness to get certified)
- Willingness to work with technology — Ensuro AI is central to our model
- Focus on the Hispanic market — our specialty and greatest opportunity
The market nobody is serving well
Florida has over 2 million Hispanics, many of them eligible for Medicare, ACA, or Medicaid. Most prefer an advisor who speaks Spanish and understands their situation. That's where the opportunity lies.
