Cover - Senior Security Benefits Agency Review: Good Or Bad Sales Opportunity?

Senior Security Benefits Agency Review: Good Or Bad Sales Opportunity?

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

Disclaimer: We are not in any way affiliated with Senior Security Benefits Agency. In fact, we are a direct competitor of theirs. This article is our personal review of their agent sales career opportunity and our personal opinions of the company. If you are looking to contact Senior Security Benefits Agency directly, call them at 800-299-5567.

Most likely, you’re here today because you’re interested in selling insurance. Maybe you’re not sure which agency to join, or perhaps you already know you’d like to work with the Senior Security Benefits Agency.

Either way, you’ve found the right article!

The aim of this review is to portray the Senior Security Benefits Agency in an unbiased way, so that you can make an informed decision about working with them.

Let’s begin.

PS: If you would like to learn more about other insurance sales opportunities, you’ll find tons of insurance career reviews on this page.

NOTE: If you are interested in selling insurance as a business, check out my Free Insurance Agent Resource Guide [NEW] for more information.

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About Senior Security Benefits

Senior Security Benefits specializes in marketing life and health insurance to independent agents across the country. The company is an industry leader in recruiting and training agents for Medicare Supplements, as well as Dental, Vision, and Hearing (DVH), Affordable Care Act (ACA) alternatives, and more.

SSB was founded in 2000 by the current CEO Gaylan Hendricks. Gaylan is a renowned trainer and motivational speaker, and script designer for lead generation. She has trained several large marketing organizations and insurance companies in product sales and customer service skills.

Senior Security Benefits is headquartered in Fort Worth, Texas.

Products Sold And Market Focus

Senior Security Benefits designs and markets industry leading products in the under 65 markets (individual health) and over 65 markets (seniors). The company offers multiple carriers and products to help build comprehensive coverage for their customers.

The insurance products offered by SSB partner carriers include:

    • Affordable Care Act (ACA)

    • Cancer, heart attack, and stroke

    • Dental, vision, and hearing

    • Final expense

    • Gap plans

    • Home health care

    • Individual hospital indemnity

    • Medicare Advantage

    • Medicare Supplement

    • Prescription drug plans

    • Senior hospital indemnity

    • Short term medical insurance

    • Short term recovery care plans, and

    • Term life insurance.

Another Senior Security Benefits specialty is ancillary plans, including dental, vision and hearing, cancer, heart attack and stroke plans, and other additional benefits that are usually not covered by traditional health insurance.

For over 65 plans, SSB partners with Aetna, CVS Health, Cigna, Humana, IAC, Lumico, and other national carriers, while for under 65 plans it cooperates with Aetna, Cigna, ManhattanLife, NationalGeneral, and Standard Life. For ancillary products, SSB works with Aetna, Bankers Fidelity, Cigna, ManhattanLife, and Medico Corp.

How Leads Work

Senior Security Benefits offers no information on how leads work. As a new agent, you will most probably be expected to generate your own leads.

How Getting Paid Works

Working for Senior Security Benefits is commission based. However, SSB doesn’t give any details about commissions or how getting pay works.

The company offers agent training and a range of agent incentive programs and reimbursements. For example, SSB will reimburse $175 of your business expenses whenever you write 20,000 in production credits. The more company appointments you have with SSB, the easier will it be to qualify (this incentive is only available to street level agents contracted directly with SSB).

Is It A Scam, MLM, Pyramid Scheme?


Senior Security Benefits is a reputable, trustworthy company with excellent financial ratings. The SSB management team has over 75 years combined experience in the health and life insurance industry and maintains long term relationships with the top-rated carriers they represent.

Multi-level marketing (MLM) is an income opportunity where agents are recruited into a pyramid of participants. They are required to make ongoing purchases of products and services and recruit others to do the same. This is how they qualify for commissions and bonuses and advance upward in the hierarchy of the pyramid levels. Senior Security Benefits is not one of the MLM or pyramid scheme organizations.

My Thoughts

Now that you know a little bit more about how Senior Security Benefits Agency works, I’d like to give you my perspective as an insurance agency owner nationally since 2013.

The advice below is not necessarily related to Senior Security Benefits Agency, but it may help you gain some important insight into the insurance business.


Vesting refers to owning your book of business, a list of all the insurance policies you sold and the renewal income that comes from them.

Ideally, you should be fully vested from day one. Many companies, however, require agents to go through a waiting period and then get rid of them before the vesting waiting period ends.

I am personally not in favor of this approach. I believe that agents who work within an organization are responsible for generating leads, finding prospects, and closing sales. They should also be paid any commissions in full.

So before deciding to work with an agency, make sure to check how vesting works.


Releases are moving your insurance carrier contracts from one agency to another. Some companies don’t allow agents to switch carriers over to another agency, making it more difficult to leave. That’s why it’s important that the agency you choose to work for releases your carriers to you.


I hope this article about the Senior Security Benefits Agency was useful and that you have a better idea of how selling insurance with them works.

I also put together a new Free Insurance Agent Resource that contains answers to many questions that you may have as a new agent. If you’re interested in checking out how my agency—Duford Insurance Group—works, you can find more information on my FAQ page.

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