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“Off-Exchange” is broad term that refers to health insurance and ancillary health benefit products not sold through the health insurance exchange.

If you wish to sell off-exchange ACA compliant plans, see ACA Contracting.

Ameritas - Dental/Vision

Ameritas PrimeStar offers some of the best dental and vision plans with no age limits. Some plans include orthodontia benefits for children. You don’t need full-time employment to enroll in benefits. Online enrollment and billing are hassle-free.

Complete Online: Ameritas Online Contracting

Commission Schedule

Year 1: 30%

Years 2+: 2%


BestOne Dental Plans

Affordable Dental Coverage - 12 Month Rate Guarantee!

  • NO Waiting Periods
  • NO Deductibles!

 $5,000 Dental Plan

      * (per calendar year, per covered family member

Affordable Rates 

          Remain as of Issue Age

 Large National PPO Network

 Choice of Plan Options:

  • Choice Plan ($3,000 or $5,000)
  • Economy Plan ($1,500)
  •  Implants Covered on Major Services
  •  Issue Ages to 99

 Available for:

    Individual, Individual +Spouse, Individual + Child(ren) as well as Family

Online Agent Contracting Online: BestOne Dental Online Contracting

Commission Schedule

Year 1: 22%

Years 2+: 21%


Delta Dental

Delta Dental offers some of the best dental plans with no age limits. Some plans are sold on the marketplace and are commissionable if you are appointed. Some plans include orthodontia benefits for children.

Complete Online: Delta Dental – Online Contracting

Commission Schedule

Year 1: 10%

Years 2+: 7%

Available States

  • AL
  • AZ
  • CA
  • CO
  • FL
  • GA
  • IA
  • IL
  • IN
  • LA
  • MD
  • MI
  • MN
  • MO
  • MS
  • NC
  • NE
  • OH
  • OK
  • PA
  • SC
  • TN
  • TX
  • UT
  • VA
  • WI


Guarantee Trust Life


Complete Online:

GTL Online Contracting (40% commission as earned)

GTL Online Contracting (40% 6 month commission advances)


IHC Group

Agents should complete this form.

Commission Schedule:

STM: 20% 

Dental: 25%

Critical Illness: 40%

Metal Gap: 35%

IMG Global - International Travel Insurance

Protecting your clients from medical risks while they’re traveling or living abroad gives you the opportunity to easily add another income stream to your business. International Medical Group® (IMG®) offers a full suite of international medical insurance products, and provides the built-in producer support and resources you need to be successful.

Here are a few other reasons why producers like working with IMG:

  • Easy to offer the international products with customized online links.
  • IMG provides personalized support to help you grow your business.
  • Multilingual consumer material and support for growing niche markets.
  • Learn why your clients should never leave home without international medical insurance:

Contract through IHA and start writing business today!

IMG Online Contracting

Commission Schedule

                        • IMG Travel Insurance Products: 15%
Manhattan Life - Ancillary & Supplemental Insurance

ManhattanLife is one of the oldest and most reliable life and health insurance companies in the country.

Supplemental policies from ManhattanLife provide additional insurance to help pay out-of-pocket expenses, and also help with non-medical costs like lost wages or missed mortgage payments. They provide a safety net and the benefits are paid directly to you.

Here are a few other reasons why producers like working with Manhattan Life:

  • Available NationwideManhattanLife writes policies and underwrites annuities in every state and U.S. territory. We can accommodate any domestic footprint or need for additional coverage and annuity guarantees.
  • Easy to Write Policies – policies are comprehensive and easy to write, providing you with the right tools to grow your business, nurture your customer relationships and achieve your professional goals.
  • High Touch Support – When you need support or expedient issue resolution, you can expect responsive and knowledgeable service for you and your customers. You’ll always speak with a real person located in the United States.
  • Agent Partnership – ManhattanLife’s relationship with policyholders is only as strong as our relationship with you. That’s why our focus remains on ensuring ManhattanLife producers are successful.


Contract through IHA and start writing business today!

Manhattan Life – Online Contracting

Contracting FAQ


Commission Schedule

  • Manhattan Life Insurance Products: 40%
What if I have questions about Manhattan Life agents and broker contracting or appointments?

Email IHA at [email protected] or call (312) 726-6565 with any/all questions and the Contracting Team will get back to you as soon as possible.

What are the commissions and bonuses for selling Manhattan Life plans?
Bonuses vary from year to year. Once you are appointed with a carrier all the bonus schedules will become available to you. The commission also varies by state, but IHA pays out top commissions for all carriers.
National General


Short-Term Medical: 20%
Dental: 25%
Critical Illness: 40%
TrioMed: 45%

Pivot Health

Pivot Health is a fast-growing company obsessed with helping individuals find the right insurance for their needs. Powered by HealthCare.com, Pivot Health uses data and friendly customer service to design customizable products for you and your family. Our team of health insurers, financial experts, and tech geeks stay on top of the latest news and products so you stay informed and can feel confident you’re making the right decision.  Come join over 72,400 members who we help insure each month.

Earned trust

We want to help our customers trust their health insurance provider. We do this by the way we design our coverage, how we present our plans and the way we do business with our members every day.

Budget-friendly coverage options

Pivot Health designs products that provide you economical healthcare that make doctors and hospitals accessible to a range of customer budgets like yours.

Makes sure it fits

Short-term coverage isn’t for everyone and we don’t want to present plans for more than they are. Instead, we focus on displaying our plans clearly and only selling you coverage if it’s the right fit for your lifestyle.

Simple explanations

We explain our coverage in simple, non-insurance-speak as often as we can so you get a solid understanding of what our plans cover, and what they do not.

Work with trusted partners

Pivot sells coverage through trusted insurance brokers such as Independent Health Agents. 

Membership benefits offer unlimited video consultations with board-certified doctors that can diagnose and provide prescriptions in minutes, plus discount vision services and a discount prescription drug card. If you want to be smart about your health care dollars, we can help you spend less of your hard-earned cash.

Complete online: Pivot Agent Contracting

Commission: 25%

WorldTrips - International Travel Insurance

WorldTrips® (formerly HCC Medical Insurance Services) is a full-service company providing travel insurance and assistance products to individuals, families, corporations, and service groups around the world.

Headquartered in Carmel, Indiana, WorldTrips provide travel insurance coverage to over 400,000 people each year with the following insurance products:

  • Atlas Travel® – International Travel Medical Insurance
  • Atlas Journey® – Trip Protection
  • Atlas Group® – Group Travel Medical Insurance
  • Atlas MultiTrip™ – Annual Travel Medical Insurance
  • StudentSecure® – International Student Travel Insurance

Atlas Travel® medical insurance offers guaranteed acceptance, MultiTrip and Group options, emergency medical evacuation coverage, flexible deductible and medical maximum options, and seamless online enrollment. ID cards and policy documents emailed directly to primary insured following purchase: this plan is ideal for international vacationers, business professionals, and missionary or service groups.

StudentSecure® meets all requirements for the F-1 student visa with 3 different plan options: Select, Budget, and Smart. These plans offer benefits for any budget. Emergency Medical Evacuation coverage is offered on all plans and maternity and college sports coverage are available on certain plans. These policies are ideal for college students or faculty studying outside their home country. Studying in a foreign country is exciting! StudentSecure® offers the opportunity to focus on the excitement rather than the worry.



Atlas Travel® Insurance

Short-term travel health insurance for individuals traveling outside of their home country

Whether you’re traveling abroad for business or pleasure, Atlas Travel insurance can offer an international coverage plan for you. Atlas Travel can cover trips between 5 and 364 days. In addition to medical benefits for unexpected injuries and illnesses, Atlas Travel insurance offers benefits for emergency medical evacuation, terrorism, political evacuation, recreational sports and activities, and more.

Get Quote  (En Español) | Review Coverage


StudentSecure® Insurance

International student health insurance for students pursuing their education outside of their home country


StudentSecure is designed to meet the insurance needs of full-time students and scholars studying abroad. The StudentSecure series offers four levels of coverage—Elite, Select, Budget, and Smart—so you can choose the plan that fits your needs and budget. These plans may include coverage for emergency medical evacuation, leisure sports and activities, mental health treatment, maternity and more.

Get Quote (En Español) | Review Coverage



Atlas Journey® Insurance

Short-term trip cancellation insurance for U.S. residents traveling domestically and abroad


Atlas Journey is comprehensive trip protection insurance for domestic and international travel. Choose from three levels of coverage: Atlas Journey Premier, Atlas Journey Preferred, and Atlas Journey Economy. Atlas Journey offers coverage for trip cancellation, trip interruption, travel delay, missed connection, and other travel-related benefits. It also provides coverage for emergency medical expenses and medical evacuation.

Get Quote


Atlas On-The-Go® Insurance

Short-term travel insurance for U.S. residents traveling at home or abroad.


Atlas On-The-Go is a travel insurance plan featuring reimbursement for trips that are cut short unexpectedly. This plan also provides coverage for medical emergencies, baggage damage or loss, missed connections, and other travel interruptions.


Contract through IHA and start writing business today!

WorldTrips Online Contracting

Commission Schedule

                        • WorldTrips Atlas Travel Insurance Products:                      

                          20% commission

Different Types of Coverage

Short Term or Catastrophic Carriers

Short Term Health Insurance or Short Term Medical (STM for short) is an affordable health insurance that is meant to bridge the gap in between traditional health coverage. Those who missed open enrollment and without a qualifying event in order to purchase a traditional plan outside of open enrollment would be candidates for STM.

Short term plans provide coverage for up to 12 months. Beginning in 2020, some states allowed up to 36 months allowing you to purchase a second and third year short-term plan back to back. An additional 14 states have added short-term plan options in 2021.

Hospital Indemnity

Indemnity plans allow you to direct your own health care and visit almost any doctor or hospital you like. The insurance company then pays a set portion of your total charges. Indemnity plans are also referred to as “fee-for-service” plans.

Supplemental Coverage

AD&D, accident & critical illness coverage


Contact Information

Ameritas Dental & Vision


National General

1-877-685-1500, Option #1
[email protected]

Pivot Health





[email protected]