America’s #1
General Agency
The Leader in Empowering Agents
An FMO You Can Trust
If you’re waiting for the perfect time to seize this opportunity… the time is now
Start working with a FMO that works for you!
OUR MISSION
At O’Neill Marketing, our business relies on the success of our agents. Our mission is to help you maximize your potential while servicing the needs of your clients.
O’Neill Marketing is a young and fast growing FMO with the best contracts in the business. We are a Non-Captive National FMO that operates on a virtual platform. We work directly with Insurance companies so we can offer independent agents the highest commission rates.
TECHNOLOGY
We Have the Best Agent Portal in the Business
At O’Neill Marketing, we never stop improving and are committed to providing our agents with the most (and best) added value in the industry. Our O’Neill Marketing Agent Portal provides our agents with tools and resources that are only available with O’Neill Marketing.
Appointments
View your Completed and Pending Carrier Appointments all in one location. You can also request new appointments within the portal.
Carrier Resources
All your Carrier Resources in one spot! Links to carrier portals, phone numbers, email address, and all the important information for each carrier
Organization
Keep all your information in one location. One-click copy your state license numbers, NPN, and other relevant information.
Leads
Real time leads are available through our O’Neill Marketing Agent Portal.
Commissions
View your commission rates for all carriers and all products. We also include any bonus documentation that is being promoted by our carriers.
Training and Webinars
In depth training and access to our vast library of webinars.
Why Choose Us
FRESH BUT ALSO EXPERIENCED
At O’Neill we understand healthcare more than most FMOs. Our Founder, Chuck O’Neill is the only person in the country to create or build two commercial health plans in the past 15 years, Avalon Healthcare and Minuteman Health (the Massachusetts CO-OP). We were there when the HMOs were emerging in the 1990s; we helped them grow and change an industry. We created one of the first on-line ancillary web portals – Oxford Benefit Management, offering key products to small groups in the Northeast. We’ve invested in products and provided strategic direction to companies that help consumers personally in the senior and under-65 markets. And we’ve consulted with some of the largest healthcare entities in America. Our deep understanding of how the insurance space works helps our agents better understand the needs of consumers and how to best offer the strategic products required to protect themselves and their families.
We provide superior sales support, agent training, exclusive leads, cutting edge marketing and generous agent incentives – including bonus and incentive programs. We are an emerging FMO representing the nation’s top Health, Life and Ancillary Carriers. We now offer Group and Senior Market products and have ground floor opportunities for agents experienced in Medicare Advantage and Supplemental plans.
We think that all that experience means something – it means we can help you succeed!
YOUR ONE STOP SHOP FOR AGENTS AND AGENCIES
O’Neill Marketing is a young and fast growing FMO with the best contracts in the business.
We are a Non-Captive National FMO that operates on a virtual platform. We work directly with Insurance companies so we can offer independent agents the highest commission rates.
Carriers
States Serviced
Agents
Satisfied Clients
“I’ve been getting great support, from getting appointed with carriers and going through application issues, to providing co-op marketing opportunities and many product trainings throughout the year to help grow my business… Thanks O’Neill Marketing Team!”
“O’Neill Marketing has assisted me over the years and I have found them to be a professional, effective, and reliable company. They have been an invaluable resource to me.”
“The website is superb for everything I need. If you’re a broker or agent and are looking for a new FMO or GA, look no further than O’Neill Marketing. It will be one of the best business decisions of your career.”
“They truly care about their agents, and it shows in their initiatives and consistent desire to offer more. They work with you based on your goals and do not force you into a one-size-fits-all approach.”
“While there are many options in this competitive market, and other partners to consider working with, Kerry has been a pleasure to work with from our first phone call to our most recent text message.”
“O’Neill Marketing has helped me grow my agency to include sub-producers. Their expertise in commission accounting has made my life much easier and has increased my bottom line. Thanks O’Neill Marketing.”
Frequently Asked Questions
Why do I want to sell ACA?
Three huge reasons:
1. ACA accepts pre-existing conditions. This means clients with diabetes, cancer, history of heart attack and strokes, and pregnancy are eligible for an ACA plan. You no longer have to turn this clientele away.
2. The government offers subsidies which lower premiums. Plans can be as low as $0 a month. You are basically selling a free product to people. It’s also possible to get Cost Sharing Reduction, which can lower deductibles to $0 and lower out-of-pocket maximums to around 2k per individual.
3. With thousands of health plans to choose from, you’ll be able to find a plan that perfectly fits the client’s needs and budget.
Who is ACA for?
ACA is great for:
• People that aren’t offered insurance through their employer.
• People that are self employed.
• People with preexisting conditions.
• Pregnant women.
• People with low incomes that don’t qualify for state-based aid.
• Large families.
• People who feel that their employer coverage is insufficient for their family.
Is ACA only for low-income individuals?
ACA does offer assistance to Americans who are struggling financially, but many Americans are able to benefit from ACA. A four-member family with a household income of $104,000 is still eligible for a premium tax credit.
What does the American Rescue Plan mean for the future of the ACA?
The American Rescue Plan did two great things for ACA:
1. It made individuals and families eligible for a temporary increase in premium tax credits this year, with no one paying more than 8.5% of their household income towards the cost of the benchmark plan or a less expensive plan. Americans aging into a higher risk pool (ages 55 - 65) were getting charged higher premiums and receiving less assistance. This act provided this demographic a viable option to purchase affordable insurance that wouldn’t drop or deny them based on preexisting conditions.
2. This shows that the new administration sees the importance of the ACA and how it can be utilized to aid Americans and policy through tough times. This assured us it’s not going anywhere and opened the door to future improvements for Americans.
Do I need a certificate to write ACA?
Yes: the FFM certification. It’s a walk in the park compared to AHIP. Unlimited attempts, lower required score, FREE, and returning agents get the privilege of an abridged version that takes a maximum 15 minutes to renew
Do I have to write through Healthcare.gov?
Our agents typically use Healthsherpa or QuoteIt for ACA enrollments. They both have a back-end CRM to manage clients, comprehensive quotation, doctors, forms, networks, and benefits. Optimized application process through the use of EDE means you can write an app in as little as 5 minutes. ACA has never been easier!
If a premium is $0 a month then how do I get a commission?
ACA pays Per Member Per Month regardless of the premium.
Example:
- Commissions are $30 PMPM
- 5 member Family
- $0 premium plan
$30 x 5 members= $150 a month from one plan. That’s $1,800 a year off one policy.
The customer pays $0 for a major medical plan. That means that an accidental rider for only $20 a month just became very attractive and provides comprehensive gap coverage.
Meet Our Leadership Team
Chuck O'Neill
President
Kerry Van Iseghem
CEO
Matthew Ricci
COO