EZ Access Insurance | FMO Opportunity & Contract Info

EZ Access Insurance

Medicare Brokerage | FMO Contracts | Trusted Since 2012

Opportunity to Own a Fully Established FMO Insurance Brokerage

EZ Access Insurance – Built on Trust, Tech, and Time-Tested Performance

Why EZ Access Insurance?

A Proven, Plug-and-Play Medicare Insurance Agency

Introduction

This proposal introduces a rare opportunity to acquire a high-performing, fully licensed Field Marketing Organization—EZ Access Insurance. Since 2012, this agency has operated with integrity and innovation, becoming a trusted name in the Medicare insurance space.

Background and History

The foundation of EZ Access Insurance was laid in 2012, when I entered the insurance industry after transitioning from a successful 11-year aviation career. By 2015, following exceptional performance and direct work with UnitedHealthcare, I conceptualized and established EZ Access Insurance as a full-service brokerage. At a time when most of the industry was still reliant on outdated paper-based processes, I introduced and championed technology-driven solutions. This strategic shift allowed for real-time services, smoother operations, and improved client experiences—well ahead of industry standards. This initiative not only influenced regional adoption but helped push national carriers to embrace technology-based enrollment and CRM tools.

Business Highlights

  • Over a decade of successful operations, built with the strength and efficiency of a 50-year legacy
  • Clean licensing record, full compliance with state and federal guidelines
  • Direct FMO contracts with UnitedHealthcare—a rarity in today’s market
  • FMO Contracts with six additional top-tier carriers, many of which no longer issue FMO agreements
  • Fully integrated operations including:
    • Advanced CRM systems
    • Turnkey lead funnels
    • Streamlined enrollment platforms
    • AI-enhanced automation tools
  • Trusted reputation and name recognition—“EZ Access Insurance” resonates with the senior population and is easy to recall
  • Fully licensed and active in 13 states, with long-term agent partnerships already in place
  • Pre-approved for a business capital loan of $350,000 at extremely minimal interest — a unique added advantage for any entrepreneur or brokerage ready to scale quickly

Why This Business Is a Gold Mine

This is a rare plug-and-play opportunity. The infrastructure is established. The technology is fully deployed. The contracts and approvals—nearly impossible to secure today—are already in place. With virtually no startup delays, a new owner can begin operations within 24 hours, leveraging existing systems, compliance records, and carrier relationships. The agency is operating at a high level, but with additional capital investment in marketing and a strong public-facing presence, this business can scale rapidly.

Why I’m Selling

As a legal immigrant and someone who has self-built this agency to a structurally sound and profitable level, I recognize that taking it to the next phase will require a new face—someone with broader resources, visibility, and public reach. This sale is not driven by decline or necessity, but by the belief that the right buyer can elevate EZ Access Insurance even further.

Final Thoughts

EZ Access Insurance is a complete, operationally efficient FMO brokerage with rich contracts, sophisticated systems, and unmatched potential. If you understand the long-term value of residual income, and have the public platform and capital to scale, this is your moment. This isn’t just a business—it’s a launchpad to your insurance dream.

Contact

Sam Silva

Principal, EZ Access Insurance

📞 800-901-8849

Please leave a detailed message if I am unavailable. I will return your call as soon as possible.

What is an FMO Contract?

An FMO contract refers to a formal agreement between an insurance carrier — such as UnitedHealthcare — and a Field Marketing Organization (FMO). An FMO is a top-tier brokerage agency that contracts directly with carriers and then recruits, trains, and supports independent agents and sub-agencies. This contract grants the FMO the right to offer that carrier’s insurance products — such as Medicare Advantage, Medicare Supplement, and Part D plans — to downstream agents under their hierarchy.

Importance of an FMO Contract

  • Direct Access to Carriers: FMOs can work directly with carriers, avoiding third-party intermediaries. This allows for better commission rates, faster service, and influence over product feedback.
  • Override Commissions: The FMO earns overrides from the sales made by their agents and sub-agencies, which becomes a key revenue stream.
  • Control and Growth: FMOs have the ability to grow their distribution network, expand into new states, and negotiate preferred status with carriers.
  • Resources and Support: FMOs typically offer marketing, compliance, training, back-office, and enrollment tools — making them valuable to both agents and the carriers.

Estimated Value per FMO Contract

Carrier TypeEstimated Value
Medicare Advantage (High-Volume)$150,000 – $500,000+
Medicare Supplement$50,000 – $200,000
ACA Health Plans$30,000 – $150,000
Part D (Standalone)$10,000 – $50,000
Life / Ancillary (Dental, Vision, etc.)$5,000 – $50,000

If the brokerage manages multiple contracts with producing downlines, the total valuation could reach $1M – $5M+ depending on trailing commissions and scale.

Contact

Sam Silva

Principal, EZ Access Insurance

📞 800-901-8849

Please leave a detailed message if I am unavailable. I will return your call as soon as possible.

Buyout Options & Pricing

Here’s the simplest and clearest way to understand the buyout offer:

Option 1: Full Package — Complete Buyout ($1.2 Million)

  • Complete agency ownership
  • State licenses, technology systems, websites
  • CTC approval, active phone numbers, text/email marketing
  • Hard-to-get FMO contracts worth up to $500,000 each
  • Book of business — nearly 400 loyal, genuine clients
  • 90-day consultation and full transition training
  • Training to recruit agents, use United Carrier systems, scale operations

Option 2: Book of Business Only Package ($1 Million)

  • Established Medicare book of business with decades-long loyal members
  • Proven client base with 99% retention and consistent recurring revenue
  • Includes all tools, operational resources, carrier contracts, and industry connections supporting the book of business
  • Structured transition support to ensure continuity and smooth ownership transfer

Contact

Sam Silva

Principal, EZ Access Insurance

📞 800-901-8849

Please leave a detailed message if I am unavailable. I will return your call as soon as possible.