Recent Reviews

Full review

What I appreciate most is the partnership they provide. It doesn’t feel like you’re just another agent—it feels like you have a team that actually supports your success. They are professional, dependable, and consistent, which allows me to stay focused on helping clients instead of worrying about backend issues or administrative delays. Overall, this has been a very positive and dependable partnership. The combination of efficient contracting, excellent communication, and strong support makes this agency stand out. I would absolutely recommend them to anyone looking for a reliable and professional upline.

Full review

Our experience working with Emrick Group has been nothing short of exceptional. From day one, it’s felt like a true partnership — not a transactional relationship. Their leadership sets the tone, and the entire team consistently shows up with a high level of responsiveness, knowledge, and genuine care for the agents they support. In an industry where that isn’t always the norm, their women-led structure really stands out and brings a level of integrity and heart that you can feel in every interaction. There really aren’t any downsides to speak of — the only “miss” has ever been my own timing catching someone at lunch, and even then, follow-up is always prompt. For any new agent considering contracting, I would suggest coming in with a clear understanding of your goals and being open to guidance. Take advantage of the mentorship available, ask questions early, and make sure you understand your carrier options and expectations upfront. If you stay engaged and lean into the relationship, you’ll get a tremendous amount of value out of the partnership.

Full review

Day to day, this organization has made my job as an agent much easier. The communication is clear, support is always available, and the processes in place are efficient. I don’t have to spend time chasing down information or dealing with unnecessary delays, which allows me to focus more on my clients. The access to multiple strong carriers and the guidance provided has helped me stay competitive and confident in what I’m offering. Overall, it’s been a very positive experience!

Full review

I have been an independent insurance agent for 6 years. I was recruited by David Duford, back in 2020, when he recruited for Medicare agents. Since then, he has stopped actively recruiting Medicare agents, and he only recruits FEX agents. I was working at Farm Bureau insurance in 2020, and I was making $60K/year, and I loved my team that I worked with. However, I worked at a cubicle in their corporate office, and I knew that I would always be in a cubicle there if I didn't start my own business. David was making YouTube videos about how some agents were making over $100K/year selling Medicare related insurance products. He also had a replicable system for how a new agent could start and get to 100K. It was hard to leave my current job for a hope and a dream, but I did. Within 2 years, I was already over 100K in revenue from selling Medicare insurance products. I mostly sold $0 Medicare Advantage plans to low income people. David met with me individually every few months, and he gave me great motivation. I never could have succeeded as an entrepreneur without him and his partner Matt Mungia. There is a lot of hidden money in the Medicare Advantage world. David Duford's FMO was not top of hierarchy with most of the MA carriers. This meant that they couldn't offer the best MA contracts in terms of admin fees and marketing money. I ended up leaving for another FMO that offered more compensation. The new FMO didn't offer as much training as I got from David, but by then I already had learned the business, and I didn't need training.

Full review

Starting on I only had life insurance experience and knew nothing about ACA or Medicare but Kannonball has helped me to excel all lines of business. Since starting on I have worked with ACA predominantly, even expanding to several other states (including State-Based Exchange states). I would never have imagined 3 years ago that today, I would be licensed in 7 states and working both FFM and SBE states. I am also expanding to work with Medicare clients as well and I could not ask for better support!

Full review

Overall great experience. Nothing to complain about. Have been an employee for 3 years and will continue to be a part of the organization and don't plan on changing FMOs.

Full review

In the insurance industry most upline/IMO relationships require an agent to sacrifice on key things for a few good benefits. Examples of this are high compensation on some carriers and great mentorship on life products while sacrificing the ability to get any releases and having lower compensation on other carriers. Why not have it all? At Heartland I have found over 8 years that they meet or exceed expectations in so many important areas while at the same time allowing their partners to have true independence. You get everything you want and nothing you dont.

Full review

A new Agent should not contract here at all. Period. So the only question a new Agent should ask is - what other IMOs are out there????? **** I would post with my name, but then they might not keep paying my renewals. That’s how much I don’t trust HUMANA. Yes, I was part of the “partnership” but thankfully switched my contracts before Humana bought.

Full review

Starting out, I was looking for an organization that would actually provide guidance and not just contracts. This has been exactly that. The onboarding process was simple, and I always felt like I had someone to reach out to if I needed help. Over time, that support has stayed consistent, which has made a big difference in building confidence and growing my business. It’s a great environment for both new and experienced agents.

Full review

I’ve had a great experience overall. One of the biggest differences I’ve noticed compared to other organizations is the responsiveness and reliability of the team. When something comes up, I’m able to get answers quickly without delays or confusion. The contracting process was straightforward, and everything has remained efficient since then. The level of professionalism and consistency makes it easier to focus on helping clients instead of dealing with backend issues. It’s been a solid and dependable partnership!!