Cover - Healthcare Solutions Team Insurance Agent Career Review

Healthcare Solutions Team Insurance Agent Career Review

By David Duford - January 03, 2023 - 5 Mins Read

Disclaimer: We are NOT affiliated with Healthcare Solutions Team. This is merely a review of their insurance sales and recruitment system along with our opinions. If you’re here hoping to get a hold of them, contact them directly at 630 261 3000.

Are you thinking about a career selling insurance with Healthcare Solutions Team Agent Career?

Perhaps you’ve just got off the phone with a representative, and everything seemed above board, but now you’re wondering whether there’s more you should know about Healthcare Solutions Team.

You might not even have been tested for your insurance license yet, but if your situation is in any way similar, you’ve found the right article!

Today, my job is to answer your questions in this Healthcare Solutions Team Career Review in a fair and balanced analysis.

Let’s begin.

PS: Check out my insurance sales jobs reviews of other agencies for more information.

NOTE: Are you an aspiring or new insurance agent looking for more insight into how the insurance sales industry works? Check out my Free Insurance Agent Resource Guide [NEW] to help answer many of your questions (as well as ones you didn’t know you had!).

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About Healthcare Solutions Team

Healthcare Solutions Team (HST) was founded by Joe Eichman in 2007 with the goal to provide families, individuals, and groups with the best possible health insurance coverage for their particular needs and budgets.

The company is headquartered in Lombard, Illinois, and has several office locations across the country. It partners with approximately 500 independent agents across the country.

In 2015, Healthcare Solutions Team was acquired by National General Holdings Corporation, a specialty personal lines insurance holding company that sells personal and commercial insurance products.

HST represents a wide range of top-rated national carriers, such as:

    • Aetna,

    • AIG,

    • American General,

    • BlueCross BlueShield,

    • Colorado Bankers Life,

    • CoreHealth Insurance,

    • Humana,

    • ING,

    • Integra,

    • Mutual of Omaha,

    • National General,

    • National Life Group,

    • Starmount Life Insurance,

    • United Healthcare, and

    • Voya.

Products Sold And Market Focus

Healthcare Solutions Team provides both individuals, families, and groups with a wide range of insurance products, including:

    • Short-term medical coverage

    • Critical illness plans

    • Dental insurance

    • Medicare supplements

    • Life insurance

    • Simple Health Savings Accounts (SHSA), and

    • Small business, self-employed, and group health care.

When it comes to life insurance, Healthcare Solutions Team offers the following products:

    • Term life insurance that provides coverage at a fixed rate of payments for a limited period of time.

    • Whole life insurance that remains in force for the insured’s whole life and guarantees cash value accumulation.

    • Universal life insurance, a type of permanent life insurance where the excess of premium payments above the current cost of insurance is credited to the cash value of the policy.

    • Variable universal life insurance that builds a cash value. This cash value can be invested in a wide variety of separate accounts, similar to mutual funds.

How Leads Work

Healthcare Solutions Team provides free exclusive leads to all of their insurance agents.

Sales can be done both over the phone and online, and agents are allowed to sell nationwide in all of the states they are licensed in.

How Getting Paid Works

Working with Healthcare Solutions Team is 100% commission based. Agents are paid weekly advance commissions, and there are renewal commissions for long term income.

Producers are also given an opportunity to earn bonuses based on the growth of their agencies.

Healthcare Solutions Team focuses on agent training and has a dedicated home office and field support.

Is It A Scam, MLM, Pyramid Scheme?


Healthcare Solutions Team is not a scam. It is a reputable company with excellent financial ratings. It holds a superior A+ rating from BBB.

In addition, the agency has received numerous awards, including:

    • America’s #1 Health Insurance Agency 3 years running from Assurant Health.

    • A+ Rating & Complaint Free Award from Better Business Bureau.

    • Fast 50 Honoree with 934% growth from Crain’s Chicago Business.

    • America’s #1 Fastest Growing Career Health Insurance Brokerage from Inc. 5000.

HST is not a multi-level marketing (MLM) business opportunity or pyramid scheme. The company doesn’t have multiple layers of agents, mentors, and trainers and is not suitable for agents who are primarily looking to recruit.

My Thoughts

Now that you know a little more about how the Healthcare Solutions Team works, I’d like to offer my perspective on some other factors that all insurance agents should seriously consider before joining any agency.

I’ve recruited agents in my National Insurance Agency since 2014 and, as such, know a lot about this business and would like to share my first-hand experience with you.

Captive Versus Independent

While it’s unclear in our initial research whether or not the Healthcare Solutions Team is a captive or independent agency, it’s important to understand the difference between what it means to be a captive agent versus an independent agent.

A captive agent is married to an insurance agency or company. Typically, captive agents only represent a handful of carriers and don’t necessarily have full access to all the different options available.

In many cases, captive agents only represent ONE company.

An independent agent is the exact opposite. An independent agent is not married to any particular carrier or agency. Instead, they have complete access to literally ALL the options available.

Why should you care about the difference?

Because ultimately, the independent agent can write more business simply because they’re able to pick and choose carriers to suit their clients.

More options mean more underwriting flexibility and better prices. Translated, this means, in most cases, you’ll be able to sit down with more of your prospects and offer them a better deal than a captive agent who only has limited options.

For instance, one of the most popular products that my insurance agents sell is final expense life insurance.

And to no one’s surprise, many organizations are captive in the final expense niche. Their products are very expensive and don’t offer the best underwriting.

Moreover, there are loads of examples where the client is sold a product that isn’t necessarily in their best interest when it comes to budget, terms, or coverage.

Sure, the client does have coverage, and it’s certainly better than nothing. But, the agent who sold the policy is at risk of getting replaced.

Why? Because the plan is usually more expensive than the competitions and chances are the policy itself doesn’t offer the best terms of coverage due to limited underwriting provisions.

Luckily, this is where an independent agent shines. On almost every occasion where the captive agent writes an inferior product, the independent agent can write a better product that’s better priced and resistant to getting replaced as easily as the captive agent’s plan.

This translates into the potential for more sales opportunities and a higher income versus the captive agent.

So contemplate whether being a captive or an independent agent is something that you should do or not. It’s best to think about this now rather than later.

The last thing you want is to end up in a captive organization and realize six months into the role that it’s not necessarily the best fit.


We don’t have a clear understanding of the exact commission levels for each of the products that the Healthcare Solutions Team provides.

Nonetheless, it’s important to understand how commission rates work and what you should do to ensure that you get paid the highest amount possible.

Commission percentages vary widely from carrier to carrier and agency to agency. It’s not enough to accept whatever the organization offers as far as the commission rate goes.

You should always do your due diligence to get an idea of whether the commission level offered is fair or grossly lower than the competition.

Of course, your commission rate isn’t everything, but it is important. Imagine shacking up with an insurance sales opportunity and discovering that your commission level is 20 or 30% lower than the average.

Suppose you sell final expense and wrote $200,000 in final expense business during the year. If your commission difference is 30%, you’ve lost $60,000 in profit that you could have made with another organization.

Over a five-year period, that’s a total of $300,000 in net income that went into somebody else’s pockets! That’s real money that could have made a difference in your life.

That’s why it’s so important to research commission rates that different agencies and carriers offer.

Make sure you’re getting paid fairly for your efforts, and ask yourself what comes with the commission levels you’re being offered that can’t be offered elsewhere.


I hope you enjoyed this article on the Healthcare Solutions Team. Hopefully, now you’ll be able to decide for yourself whether it’s a good insurance agent opportunity.

Make sure to check out my Free Insurance Agent Resource Guide for more information so you can be sure to partner with the best agency!

If you would like to learn more about becoming a top producer both in face-to-face and final expense telesales and discover how my agency works, there’s more information on my FAQ page.

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