Partnerships like ours are becoming increasingly rare as IMOs grow larger, often losing their personal touch. Many agents experience inconsistent service — different people, different experiences, and long hold times. At URL, we take a boutique approach, offering hands-on, reliable service tailored to your needs. Whether you need minimal guidance or full support, we’re here to help you become a successful agent.

Founded in 1986 in Harrisburg, Pennsylvania, URL remains independently owned and family operated. We are a second-generation, family-run business providing hands-on service and an interactive, knowledgeable staff. As a full-service brokerage, we offer life insurance, annuities, health insurance, Medicare, disability income, long-term care, and employee benefits. Working with URL allows you to deliver true full-service solutions to your clients. We take pride in helping our agents cross-sell across these product lines to grow their businesses.

We provide ongoing training to help you expand your expertise, and every Monday we send a training schedule outlining upcoming webinars, sessions, and events. You’ll hear more today about our two major programs: Gemini, our elite partnership program offering bonuses, trips, and rewards, and Orion, our formal referral program that includes shared compensation to help agents serve clients in areas outside their comfort zone.

Our leadership team includes Ken Clemens, CEO; Steve Clemens, President and President of Life & Annuities; Jim McDaniel, Senior Vice President of Marketing & Technology; and Christie Wilbert, Senior Vice President of the Medicare Department.

Our Life and Annuity Department is led by Steve Clemens, who has over 23 years of experience specializing in linked-benefit life and LTCI plans. Our team includes Matt Alina, Final Expense Manager, who has been with URL for 23 years and specializes in product support, underwriting, and marketing. I’m Cody Wilbert, focusing on annuities for the past 8 years, providing product, software, and case-building support for fixed and indexed annuities. Jason Collins, our Single Premium Life Specialist, also has 8 years of experience and works across both annuities and life products. Together, our team brings more than 60 years of combined experience, and 95% of the time, when you call the Life or Annuity Department, you’ll reach one of us directly.

Our New Business Specialists include Rosemary Evans and Rachel Patton on the life team and Maria Adams on the annuity team. Rosemary works with agents whose last names begin with A through L, while Rachel handles M through Z. Maria provides application scrubbing, business status updates, and quoting support. Collectively, they bring an additional 65 years of experience, ensuring you receive expert, efficient service.

In Life and Annuity, we provide personalized case and illustration building, application review and scrubbing for cleaner submissions, specialized marketing assistance, and access to powerful quoting and recommendation software, including RMD calculators and application tools.

We focus on safe investment products, including fixed and fixed indexed annuities with guaranteed terms ranging from one to ten years, and single premium life products that bridge life and annuity benefits. Current fixed rates average 5.5 to 5.8 percent for five- to seven-year terms, making them ideal for clients seeking CD alternatives, income deferral, or compound interest growth. Our fixed indexed annuities, available in three- to fourteen-year terms, offer bonuses up to twelve percent and full market protection from losses. Many include performance trigger indexes that credit 8 to 9 percent when markets are flat or slightly positive, with optional buy-up features for higher caps.

These products provide guaranteed income, tax deferral, and portfolio diversification — a great fit for clients transitioning to safer investments in retirement. Our quoting software, Annuity Rate Watch, provides real-time top-rate reports, income projections, and customizable marketing materials branded with your name.

At URL, we also offer a full suite of life insurance and disability products, including term life (10–40 years, with return of premium options), fixed and indexed universal life, survivorship life for estate planning, traditional whole life, final expense, guaranteed issue policies, disability income, and linked life and annuity LTC solutions.

Currently, only about 52 percent of Americans own life insurance, and 44 percent of households would experience financial stress within six months of losing their primary earner. Our goal is to help you protect clients during their working years and into retirement. Our website provides 24/7 access to quotes, e-applications, underwriting guidelines, marketing materials, and training resources. You can quote, apply, and access tools for term, GUL, and IUL products all from one platform.

Every Monday, we email a full training schedule, and our online calendar includes both live and recorded sessions. We also offer customized one-on-one training and a library of marketing materials, calculators, and videos on key person, buy-sell, and executive benefits.

Our Gemini Elite Partnership Program rewards agents who consolidate business with URL through quarterly bonuses, complimentary E&O coverage, free CE credits, and invitations to retreats and events. Over 200 top agents currently participate in this exclusive network.

Now, let’s move to the Medicare Department. I’m Christie Wilbert, Senior Vice President of Medicare. I started in insurance in 2005 and transitioned from P&C to Medicare — the best move I ever made. Our Medicare team includes Karen McDaniel in compliance and our support team members Ben, Samantha, and Olivia. Olivia’s background in social media marketing has been especially valuable for lead generation.

We host the annual Medicare Connections Conference at the Hershey Lodge on August 22, 2025. It’s free to attend, with over twenty vendors and great networking opportunities. Medicare is an excellent market to enter — 10,000 people turn 65 every day, and clients rely on agents to help them navigate complex coverage options and avoid costly gaps. Medicare sales provide consistent renewals, creating a steady and growing income stream.

The best time to start selling Medicare is now, not just during AEP. Most enrollments happen between January and September, especially during summer retirements. Getting started is simple: hold a health insurance license, complete the AHIP exam (which is online and open book), get certified and contracted with carriers, and then begin marketing. All contracting is paperless through SureLC, making it easy to add new carriers once your profile is complete.

The Orion Client Services division, managed by Kelly, handles client referrals and shares compensation with you. Many agents use it when clients move out of state or need coverage outside their licensed areas. This ensures your clients always receive quality service and that you maintain your client relationships while earning referral income.

Thank you again to LIFEMARK and to all the agents who joined today. A special thanks to our current partners — Joe Ferry, Sam Barber, Kim Hampton, Mike Rolo, and Devon Born — for your continued trust. We appreciate your time and look forward to helping you grow your business in 2024 and beyond.

Thank you again for partnering with URL Insurance Group.