#1The Growth Obstacle for Independent Agents
Ask any Medicare agent what’s holding them back from doubling their production and you’ll probably hear the same thing: “I can’t afford to market myself.”
And it’s true — running ads, printing mailers, and hosting events all take money. It’s a huge leap of faith to invest when your income isn’t guaranteed.
Most FMOs just say, “We don’t provide leads — good luck.”
TMS takes a different approach: we reward agents who are writing business by helping fund the marketing that works.
What Is the TMS Marketing Reimbursement Program?
Simple: If you’re actively writing Medicare business, we reimburse part of your marketing spend.
Our current structure (for 2025):
- Write 8 Medicare Advantage applications in a month = qualify for $450 reimbursement
- Write 16+ applications = qualify for $900 reimbursement
There’s no long-term contract and no cap on how many months you can qualify. Hit the numbers — get the money. Easy.
Why We Don’t Just “Hand You Leads”
Because that’s not how modern agents grow anymore.
Lead drops from a generic vendor = low quality, high churn. We’d rather help you:
- Build your own brand
- Choose your own channels
- Target the markets and demographics you serve best
You control the marketing. We help pay for it.
What Types of Marketing Are Covered?
We’ve seen agents get creative — and successful — with a wide range of strategies. Approved reimbursement includes:
Digital Advertising
- Facebook & Instagram ads targeting Turning 65, LIS/Duals, Spanish-speaking seniors, etc.
- Google Search campaigns
Direct Mail
- Turning 65 list mailers
- LIS mailers with compliant messaging
- Personalized follow-up postcards
Events & Workshops
- Community education sessions
- “Medicare & Muffins” style events
- Conference room rentals, refreshments, signage
Print & Branding
- Door hangers, flyers, brochures
- Business cards, branded folders
- Web design (landing pages, branding assets)
If it’s tied to lead generation or brand exposure, it likely qualifies. Need clarity? Just ask us before submitting.
How to Submit and Get Paid
We keep it as simple as possible:
- Hit your monthly production threshold (8 or 16 apps)
- Track your marketing expenses (we provide a template)
- Submit copies of receipts + proof of payment
- Receive your reimbursement within 30 days
We even help you organize it. No endless forms. No waiting months.
Real Agent Examples: What $450–$900 Can Cover
Agent A: Hosts a monthly T65 education night at her public library. Uses the $450 to cover printed materials, refreshments, and targeted Facebook ads to promote the event.
Agent B: Runs a Google Search campaign targeting “Medicare agent near me” in her zip code. Writes 10 apps and qualifies for reimbursement that covers 100% of her ad spend.
Agent C: Invests in bilingual mailers sent to a list of LIS-qualified beneficiaries. Converts 5 new clients from the campaign and uses the reimbursement to fund her next mail drop.
Why This Program Works (for Everyone)
You’re already investing time and money to grow your business. This program simply makes it sustainable.
Instead of forcing you into a rigid system or giving you questionable leads, we support what already works:
- You choose the strategy
- You test and iterate
- You get reimbursed when you produce
It’s a system built on mutual investment.
Reimbursement FAQs
Q: Can I carry over expenses if I don’t hit the threshold this month?
A: Reimbursements are monthly, so unused spend doesn’t carry over — but you can reapply the next month.
Q: Do I need to work exclusively with TMS to qualify?
A: You must be directly contracted with TMS for Medicare products and meet the production minimums to be eligible.
Q: What if I don’t know how to run ads?
A: We offer 1-on-1 strategy support and sample campaigns. You don’t have to go it alone.
Q: Will I have to wait months to get paid?
A: Nope. Once you submit valid documentation, reimbursements are processed within 30 days.
Ready to Grow Smarter — and Get Reimbursed for It?
If you’re tired of paying for your own growth with no support, it’s time to rethink what a good FMO should do.
TMS believes in investing in its agents — not just collecting contracts. When you win, we win.
- Stop guessing what works.
- Start using marketing so you can scale — with less risk.
- Write business. Get reimbursed. Repeat.
Want to see if your marketing qualifies? Let’s schedule a no-pressure call.
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