Agent Agreement

This Agent Agreement is between Get Covered USA (the "Agency") and you, the agent joining the Agent Network.

1. Independent contractor

You are an independent contractor, not an employee. You control your own schedule and methods and are responsible for your own taxes, expenses and licensing costs.

2. Licensing and compliance

You will hold an active resident or non-resident license in every state where you sell, keep current E&O coverage, complete required carrier and Marketplace (FFM) certifications, and follow all state, federal, CMS and carrier rules, including rules on consumer consent, marketing and the Telephone Consumer Protection Act (TCPA).

3. Consumer consent and data

You will get and record each consumer's consent before acting on their behalf, use consumer information only to serve that consumer, and keep it confidential and secure.

4. Compensation

Commissions and overrides are paid according to the Agency's current compensation schedule and carrier payments actually received. Chargebacks and reversals are deducted from future payouts. You must have a completed W-9 on file to be paid.

5. Recruiting

Agents you recruit join the Agency network under your sponsorship. You will not make income guarantees or misleading claims when recruiting.

6. Book of business

Client relationships are protected according to carrier rules and your contract. When you leave, you can download your client records from the portal, subject to carrier and legal requirements.

7. Termination

Either party may end this agreement with written notice. Commissions earned before termination are paid according to the compensation schedule and carrier vesting rules.

8. Electronic acceptance

Clicking "I agree" in the portal is your electronic signature. The Agency records the version and date you accepted.