01
We Create the Opportunity
Marketing and technology work together to connect you with consumers looking for guidance.
- Marketing
- Advertising
- Consumer acquisition
- Technology
For licensed insurance agents
Stop Buying Leads. Start Building a Book.
Explore a production-based model for working consumer opportunities and the marketing infrastructure behind them without carrying the traditional upfront cost of building your own lead-generation machine.
Currently serving licensed agents in Nebraska & Florida.
How Closr™ works
A simpler way to grow.
We create the opportunity. You build the relationship.
02
You Work the Client
Bring your expertise to the conversation, then follow through with care and clarity.
- Connect
- Educate
- Follow up
- Serve
03
Review a Quarterly Statement
Once qualifying Book Adds meet the 90-day stabilization rule, they can appear on the applicable quarterly statement.
- Qualifying Book Add
- 90-day stabilization
- Quarterly statement
A different model
Stop buying leads.
Start building a book.
There is a meaningful difference between receiving a name and phone number and having the infrastructure to build a client relationship. Closr™ aligns the fee with qualifying production.
Traditional Lead ModelUpfront
Pay upfront→Receive lead→Hope they answer→Hope they enroll
Closr™ ModelProduction-based
Get opportunity→Work client→Qualifying Book Add→Quarterly statement
Why agents choose Closr™
More room to do your best work.
A model built to support the work behind durable client relationships.
Less Upfront Risk
Keep your cash flow focused on the work of serving clients.
Focus on Client Work
Use the opportunity infrastructure to focus on conversations, applications, and service.
Marketing Infrastructure
Access campaigns, systems, and technology already in motion.
Build Relationships
Turn a consumer opportunity into a thoughtful client experience.
Renewal Potential
Continue showing up for the relationships you build.
Agent Support
Get a practical partner as you learn and refine your process.
Current markets
Start local.
Grow with intention.
Closr™ currently serves qualified agents in two markets. Participating agents must maintain the appropriate licenses, certifications, appointments, and eligibility for the products they sell.
NE
Active Closr™ Market
Nebraska
For licensed agents serving consumers across the state.
Ask about NebraskaFL
Current schedule
CLOSR™ PERFORMANCE & GROWTH FEE SCHEDULE
Current fee schedule effective as of the Effective Date of the Agreement. Rates are assessed per qualifying Book Add for the applicable completed cohort, subject to the minimum 90-day effective-date stabilization rule in Section 10.3 and the billing examples in Exhibit D. Future changes require notice under Section 23.
Agent fees are assessed per qualifying Book Add for the applicable completed cohort. They are billed on a quarterly statement after the minimum 90-day effective-date stabilization rule. These are fees under the Closr™ Agreement—not consumer charges or upfront lead fees.
| Level | Closing Rate | Fee / Book Add | Quarterly Credit | Standing |
|---|---|---|---|---|
| Elite Closr™ | 45%+ | $125 | $300 if earned | Exceptional |
| Pro Closr™ | 38%–44.99% | $140 | — | Strong |
| Associate Closr™ | 33%–37.99% | $155 | — | Meets standard |
| Qualifier | Below 33% | $170 | — | New/developing/probationary |
Simple economics:
The stronger the Agent’s conversion rate, the lower the Closr™ fee per Book Add. Closr™ rewards agents who use high-intent opportunities efficiently while preserving a simple, one-statement quarterly billing model.
Separate quarterly credit$300 if earned
The $300 quarterly credit is available only if earned by an Elite Closr™ agent. It is not a fee and is separate from the $125 Elite fee per qualifying Book Add.
What is a Book Add?
A Book Add is a consumer opportunity that turns into business that qualifies under the Agreement—not simply a name, phone number, or opportunity received.
Illustrative example only
Performance Examples
Examples below are illustrations only and do not guarantee that Agent will receive 20 opportunities per month or any minimum opportunity volume.
| Illustrative Rate | 20 Opportunities | Approx. Book Adds | Level | Fee / Book Add |
|---|---|---|---|---|
| 45% | 20 | 9 | Elite Closr™ | $125 |
| 40% | 20 | 8 | Pro Closr™ | $140 |
| 35% | 20 | 7 | Associate Closr™ | $155 |
| 30% | 20 | 6 | Qualifier | $170 |
For income planning, Closr™ may use conservative renewal-level Medicare Advantage commission assumptions in educational examples. Carrier compensation changes by year, state, carrier, plan, enrollment type, and regulatory guidance and is never guaranteed by Closr™.
See the math
From opportunity to quarterly statement.
Closr™ fees are agent fees assessed per qualifying Book Add under the Agreement and billed through a simple quarterly statement after the minimum 90-day effective-date stabilization rule.
- 01
Opportunity
Closr™ emails an opportunity to the Agent. Opportunity volume is not guaranteed.
- 02
Conversion
The Agent works the consumer; the closing rate determines the applicable performance level.
- 03
Qualifying Book Add
Qualifying business becomes effective and meets the Agreement’s requirements.
- 04
Stabilization
A Book Add must generally be effective for at least 90 days by the applicable quarterly statement date before it can be included. If not, it rolls forward automatically and is not billed yet.
- 05
Quarterly Statement
Qualifying stabilized Book Adds are billed through a simple quarterly statement, with no separate invoice clock for each consumer.
90-day quarterly cycle
Exhibit D review and roll-forward.
Origin quarter, 90-day stabilization review, then the first normal statement. An item that is not yet eligible rolls forward to a later statement.
Q1 origin→ Q2 review / stabilizationJuly first normal statement
Q2 origin→ Q3 review / stabilizationOctober statement
Q3 origin→ Q4 review / stabilizationJanuary statement
Q4 origin→ Q1 review / stabilizationApril statement
March opportunity → April 1 effective coverage → July statement
May include the Book Add if it remains otherwise qualifying.
Not effective for 90 days by the statement date?
The Book Add rolls forward; no duplicate fee or penalty applies because of the roll-forward.
Early termination or rapid disenrollment
If coverage terminates, never effectuates, is rescinded, or there is a qualifying rapid disenrollment before the Book Add becomes billable, the event must be disclosed on the quarterly certification. The Book Add may be excluded or handled under the applicable program rule and supporting information.
Carrier compensation is separate from the Closr™ fee. Carrier compensation changes by year, state, carrier, plan, enrollment type, and regulatory guidance and is never guaranteed by Closr™.
Built for producers
Closr™ creates opportunity.
The agent creates the outcome.
There is no shortcut around the work. The right fit is an agent who wants to build a book through responsive, professional, long-term service.
✓ The work that matters
- Respond promptly and follow up consistently
- Communicate professionally with consumers
- Use required disclosures and obtain required permissions
- Complete accurate applications and maintain documentation
- Pay applicable agent-billed fees when due
- Provide compliant, ongoing client service
× What Closr™ does not promise
- Guaranteed opportunities or sales
- Guaranteed enrollments or income
- Guaranteed commissions or renewals
- Ownership of leads, data, or a book
- A shortcut around licensing or compliance
Book growth
A qualifying Book Add is only one point in the relationship.
When you serve a client well, the relationship can create room for renewal, referral, and additional coverage conversations over time. Results depend on the client, the work, and the market.
01OpportunityConsumer raises a hand
02ClientYou build the relationship
03ARenewalKeep serving well
03BReferralEarn trust over time
03CAdditional CoverageUnderstand the full need
04Growing BookRelationship-led, not guaranteed
Frequently asked questions
Clear on the model.
Start with the details that matter before you apply.
What is Closr™?
Closr™ is an agent growth model operated by Health & Life Insurance Pros LLC. We create consumer opportunities through marketing infrastructure and connect those opportunities with participating licensed agents.
How is it different from buying leads?
Traditional lead buying asks an agent to pay upfront for a name and phone number. Closr™ uses agent fees tied to qualifying Book Adds, with billing on a simple quarterly statement after the 90-day stabilization rule—not consumer costs or upfront lead fees.
What is a Book Add?
In plain English, a Book Add is a consumer opportunity that turns into business that qualifies under the Agreement—not simply a name, phone number, or opportunity received.
Do I pay upfront?
No Closr™ fee is charged simply for receiving an opportunity. Fees are assessed per qualifying Book Add for the applicable completed cohort after the minimum 90-day effective-date stabilization rule, and they are agent fees under the Agreement—not consumer charges.
What states are available?
Closr™ currently serves qualified agents in Nebraska and Florida. Market availability may vary and should be confirmed before applying.
How do performance levels work?
For the current schedule, Elite is 45%+ at $125 per qualifying Book Add; Pro is 38%–44.99% at $140; Associate is 33%–37.99% at $155; and Qualifier is below 33% at $170. Stronger conversion means a lower Closr™ fee per qualifying Book Add. Closing rates and fees remain subject to the Agreement and applicable cohort rules.
When am I billed?
Qualifying Book Adds for the applicable completed cohort are reviewed for the minimum 90-day effective-date stabilization rule and, when eligible, are included on a simple quarterly statement. There is no separate invoice clock for each consumer. Future fee changes require notice under Section 23.
What is the Elite quarterly credit?
The Elite quarterly credit is $300 if earned by an Elite Closr™ agent. It is a performance-based quarterly credit, not a fee, and it is separate from the $125 Elite fee per qualifying Book Add.
What happens if the 90-day rule is not met?
If a Book Add has not been effective for at least 90 days by the applicable quarterly statement date, it rolls forward automatically and is not billed yet. No duplicate fee or penalty applies because of the roll-forward.
Are sales guaranteed?
No. Opportunities, sales, enrollments, commissions, and income are not guaranteed. Outcomes depend on the consumer, the agent’s work, eligibility, product, and market conditions.
Do I need a license?
Yes. Participating agents must maintain the appropriate licenses, certifications, appointments, and eligibility for the products they sell.
What products are available?
Product availability may include Medicare Advantage, ACA / Marketplace, and other insurance products depending on the market, licensing, carrier appointments, eligibility, and current opportunities.
Can I continue working with the client?
You may continue the professional client relationship and provide ongoing service when permitted by the applicable Closr™ agreement, carrier requirements, licensing rules, and product-specific rules. This page does not grant or promise ownership or renewal rights.
What responsibilities come with participation?
Participating agents are responsible for appropriate licensing, certifications, carrier appointments, compliant consumer contact, required disclosures and permissions, accurate enrollment documentation, recordkeeping, client service, and payment of applicable fees. The executed agreement and carrier materials provide the controlling requirements.
What happens with early termination or rapid disenrollment?
If coverage terminates, never effectuates, is rescinded, or there is a qualifying rapid disenrollment before the Book Add becomes billable, the event must be disclosed on the quarterly certification. The Book Add may be excluded or handled under the applicable program rule and supporting information.
Are opportunity volume or results guaranteed?
No. Opportunity volume, closing rates, Book Adds, standing, fees, sales, enrollments, commissions, income, renewals, and other results are not guaranteed. They depend on the facts and rules that apply.
How does carrier compensation work?
Carrier compensation is separate from the Closr™ fee. Carrier compensation changes by year, state, carrier, plan, enrollment type, and regulatory guidance and is never guaranteed by Closr™.
Can participation end?
Participation is subject to approval and ongoing eligibility. It may end if agreement, licensing, certification, appointment, compliance, product, market, or other eligibility requirements are not met. Fees and obligations that already apply are not automatically erased; the written agreement controls.
Where can I read the participation disclosures?
Read the public Agent Agreement / Disclosures summary before applying. The executed Closr™ agreement, current fee schedule, carrier rules, and applicable law control if anything differs.
Ready when you are
Ready to grow your book differently?
Explore a modern agent growth model built around opportunity, production, and long-term client relationships.
Currently available for qualified agents serving Nebraska and Florida; participation and opportunity volume are not guaranteed.