Do work that actually helps people
We're always glad to meet people who share our belief that insurance should be about education and trust — not pressure. If that's you, let's talk.
Purpose-driven work
Help real people through decisions that matter — with education, not high-pressure sales.
Independent platform
Represent top carriers and offer clients honest choices, not a single company's products.
Growth & mentorship
Learn from credentialed expertise (RSSA®, CMIP®) and build a practice you're proud of.
Community roots
A woman-owned, values-first agency serving the First Coast and Camden County.
Two ways to build with us
Insurance Is Complicated. Getting Help With It Shouldn't Be. That goes for building an insurance career too. There are two ways to build one at Mere Benefits, and the right path depends on where you are today. One gives you a running start with the agency behind you. The other gives experienced agents full ownership with a team nearby. Neither is better. They are built for different stages of a career.
LOA Partner Program
LOA stands for licensed-only agent. You hold your insurance license and do what you do best, meeting clients and helping them choose well, while the agency holds the carrier contracts and handles contracting, tools, and the back office.
Who it fits
Agents who want to focus on selling and serving clients without building an agency operation around themselves. That includes newer agents who want mentorship from day one, and experienced agents tired of doing their own paperwork.
What Mere Benefits provides
- Training and mentorship from RSSA® and CMIP® credentialed leadership
- Established carrier relationships and contracting handled for you
- Quoting and enrollment technology, plus back-office support
- Marketing support to help you find and keep clients
What you're responsible for
- Hold and maintain your state insurance license and required certifications
- Meet with clients, educate honestly, and recommend what actually fits
- Follow the agency's compliance and service standards on every enrollment
- Stay engaged with training and your own professional growth
Compensation: a commission split arranged through the agency. We go through exactly how it works, in plain English, before you sign anything.
Field Partner Program
The Field Partner Program is for agents who want ownership. You hold your own carrier contracts, own your book of business, and run your practice your way, with Mere Benefits as your team rather than your boss.
Who it fits
Experienced independent agents who want ownership of their book and are comfortable carrying more responsibility in exchange for more independence.
How it differs from LOA
You contract directly with carriers instead of selling under the agency's contracts. That means more independence and higher responsibility: your compliance, your renewals, your business decisions are yours.
Support available
- A community of experienced agents instead of working in isolation
- Mentorship from RSSA® and CMIP® credentialed leadership when you want it
- Access to carrier relationships and product breadth across our markets
- Back-office and service support you can lean on as your book grows
Compensation: direct carrier commissions, paid to you under your own contracts.
LOA vs. Field Partner at a glance
The short version of the choice, row by row. We'll help you think through which column sounds like you.
| Question | LOA Partner | Field Partner |
|---|---|---|
| Who holds the carrier contracts | The agency holds the contracts; you sell under them | You hold your own carrier contracts |
| Book ownership | The book is built under the agency | You own your book of business |
| Back-office support | Contracting, tools, and admin handled by the agency | Support available, but you run more of your own operation |
| Independence level | Focus on selling and serving clients | Full independence, with the responsibility that comes with it |
| Compensation approach | Commission split arranged through the agency | Direct carrier commissions |
| Best for | Agents who want to sell and serve while the agency handles the rest | Experienced independent agents who want ownership and control |
From curious to helping clients in 7 steps
No mystery process and no hard sell. Here is exactly what happens, in order.
- 1
Learn about the programs
Read this page, and bring your questions. There is no wrong starting point.
- 2
Determine which path fits
LOA or Field Partner. We'll talk it through honestly, based on where you are in your career.
- 3
Complete the interest form
A few lines about you and what you're looking for. It takes two minutes.
- 4
Meet with Mere Benefits
A real conversation with our leadership about fit, on both sides.
- 5
Contracting, licensing & onboarding
We walk you through contracting, certifications, and setup step by step.
- 6
Training
Product knowledge, compliance, and how we educate clients, taught by people who do it every day.
- 7
Begin helping clients
Start doing work that actually helps people, with a team behind you.
Meet the founder you'd be working alongside
Kate has been licensed since 2007, wrote the book on Medicare and Social Security decisions, and built Mere Benefits around education before enrollment. Whichever path fits you, LOA or Field Partner, you learn directly from her.
Agent program questions
Do I need an insurance license already?
Both paths require a state insurance license to sell. If you are not licensed yet, reach out anyway. We can walk you through what licensing involves in your state so you can decide whether the career is right for you before you invest in it.
Can I switch paths later?
Often, yes. Some agents start in the LOA program to learn the business and move toward Field Partner independence as their experience grows. Timing depends on your carrier contracting and your situation, so it is something we plan together rather than a switch you flip.
Is this a captive position?
No. Mere Benefits is an independent agency. In both programs you help clients compare options across the carriers we represent and recommend what fits them, not what a single company tells you to sell.
What markets and products would I work in?
Our core work is Medicare (Advantage, Supplement, and Part D), ACA Marketplace plans, life insurance, and group benefits, plus Social Security education through our RSSA® credential. We are licensed in 11 states, with our home base in Northeast Florida and Southeast Georgia.
We still want to hear from you
Great people are worth meeting even when we're not actively hiring. Send a note about who you are and what you're looking for.