Common Questions
About Claro Insurance
Working with Claro
Carriers & Appointments
Commissions
What is Claro?
Claro is a leading FMO (Field Marketing Organization) that serves as a strategic partner for insurance agents, connecting them with top carriers, providing essential training, and ensuring compliance—all to help grow their business. Think of us as your growth engine: we streamline contracting, offer cutting-edge tools, and empower you with the resources to succeed.
With a network of 4,000+ agents across 34 states, we’ve built a trusted community rooted in innovation, empowerment, and shared success. Backed by over a decade of experience, we’re committed to helping health and life insurance agents maximize their potential—with the right carriers, education, and support every step of the way.
How does it work? What does Claro gain?
Claro serves as your strategic bridge to top insurance carriers, streamlining administrative processes for
both agents and carriers. By centralizing contracting, compliance, and support, we:
- Prevent individual agent bottlenecks with carriers
- Reduce application errors through pre-submission reviews
- Eliminate lengthy wait times with optimized systems
Our revenue comes from carrier partnerships – never from your commissions. We succeed only when you
grow.
How much does it cost to work with Claro?
$0. There are no hidden fees for:
- Contracting support
- Training & Growth Strategies
- ARC platform access
The only costs are carrier-specific appointment fees (paid directly to carriers).
Will Claro give me Leads?
Not currently – we prioritize your long-term compliance safety. Instead, we provide:
- Branded landing pages to capture inbound leads
- Marketing training to build your pipeline
- Commission in Advance program to fund lead generation
Does working with Claro prevent me from working with other agencies?
No. We operate on a non-captive model:
- Bring part or all of your business
- Maintain relationships with other FMOs
- No long-term commitments
Our value proves itself – 70% of agents expand their Claro business within 12 months.
What do I need to start working with Claro?
To partner with Claro, you’ll need:
- An active insurance license (or one pending activation in your state).
- Clear compliance standing: You shouldn’t be flagged on high-risk lists (like LEIE or state disciplinary reports).
Once these basics are confirmed, you can begin immediately. We’ll guide you through:
- Carrier contracting (no solo paperwork)
- ARC platform setup
- Training tailored to your specialty (Medicare, life, etc.).
How long does onboarding take?
The process typically takes 2-4 business days if you complete these steps consecutively:
1. Initial Setup (Day 1):
- Submit your details through our secure form.
- Schedule a 30-min kickoff call with your New Business Specialist.
2. Documentation (Day 2-3):
- Sign your agency agreement digitally via ARC.
- Upload required docs (W9, Direct Deposit and Voided Check).
3. Carrier Activation (Day 3-4):
- Meet with our contracting team to request appointments.
Need flexibility? We’ve supported agents through month-long onboarding—your pace, our priority.
Can I transfer existing business to Claro?
Yes! We make transitions smooth so bureaucracy never slows your business. Here’s how we help:
- We guide you through transferring your book of business to Claro.
- We guide you to additional solutions in case your book of business has bureaucratic problems so you don’t lose sales.
Is there a production requirement?
No minimums to join, but be aware:
Some carriers require production history for premium contracts (we’ll match you with starter-friendly ones first).
Our growth programs adapt to your level:
- New agents: Foundational training + low-pressure carriers.
- Experienced agents: Advanced markets + commission accelerators.
What if I need help during the onboarding?
You’ll have access to our support, new business and contracting team always ready to answer your questions and guide you through every step of your onboarding process. Whether by phone, chat, or video call, our team is ready and available to answer your questions.
How many carriers does Claro work with?
We partner with 60+ top carriers across 34 states, covering all major lines: ACA, Medicare, Life and Supplemental
Our portfolio grows constantly – we actively negotiate new partnerships to expand your opportunities. Explore our current carrier portfolio Here.
How do I get appointed with carriers through Claro?
At Claro, we want to make carrier contracting effortless for you. Here’s how we streamline the process:
- Personalized Guidance: We walk you through every step of selecting and appointing with your ideal carriers.
- Ongoing Protection: We monitor your appointments to ensure you stay compliant and updated on carrier rule changes.
Can I add new carriers after onboarding?
Yes! Your ARC Platform makes it effortless:
- Request new appointments anytime – no re-enrollment
- See which carriers match your license/experience
- Get strategic recommendations from your Account Executive and guidance from your contracting specialist.
What if I need help with a carrier’s rules?
$0. There are no hidden fees for:
- Contracting support
- Training & Growth Strategies
- ARC platform access
The only costs are carrier-specific appointment fees (paid directly to carriers).
How much commission can I earn?
Commission rates vary by:
- Carrier (each has its own pay structure)
- Product type (e.g., Medicare vs. Life)
- Your production volume (higher tiers = better rates)
In our commission structure, rates vary based on the carrier, state, and whether it’s a new user or a renewal. For new user commissions, they range from $18 to $30, while renewal commissions fall between $15 and $30. This dynamic pricing model allows us to tailor commissions to specific factors, ensuring fairness and flexibility in our compensation system. As we prioritize transparency and customization, our approach enables us to provide competitive incentives to our agents and agencies.
How are commissions paid with Claro?
You earn 100% of your commissions – we never take a cut. Payments come:
- Directly from carriers (same as going solo)
- Faster (we audit submissions to prevent delays)
- Trackable in ARC with monthly statements
When do regular commissions arrive?
We process agent payments on a monthly basis, contingent upon receiving production from them for each carrier where they have generated business.
Timing varies by carrier, but typically:
- Health Insurance: 15-45 days after submission
- Life Insurance: 30-60 days
What’s the difference between Claro and going direct?
With Claro, you get:
- Same commission rates as direct contracts
- Advanced Commissions (access earnings upfront)
- Dispute resolution if carriers underpay
- No extra paperwork – we handle carrier reporting
What if a commission payment is missing?
Our Carrier Reconciliation Team handles everything:
- Investigation to identify the issue (late processing, submission error, etc.)
- Escalation & Advocacy
- File disputes directly with carrier management
- Provide all required documentation on your behalf
- Transparent Tracking
- Real-time updates in ARC’s Reconciliation Report
- We advise on next steps if appeals are needed
Can I see my commission history?
Absolutely! With Claro’s ARC platform, you’ll have full visibility of every commission you earn, all in one place. Here’s what you can do:
- View & Organize: See all payments by carrier, date, or policy type
- Deep Dive: Check earnings per policy with month-by-month breakdowns
- Export Reports: Download statements for taxes or performance reviews
It’s like having a 24/7 finance assistant tracking every dollar you earn. No spreadsheets needed!
