FOR INDEPENDENT AGENTS, AGENCY HIERARCHIES — IMO's / FMO's / TPA's
“Add Decades & Departments in a Day!”

Vitality On Demand is your All-In-One Insurance Consulting Company. VOD handles your Compliance, Licensing, Contracting, Commissions, & Marketing needs a la carte — built on 24+ years & constant work with the Federal Agencies, State DOI's, Carriers & Attorneys who write the rules. We're Paid for the work, NEVER from YOUR Commissions!

Need Just One Thing?→ComplianceLicensingContractingCommissionsMarketingWe Got Your Back!
Like Hiring a 50 Person Back Office!

Your Agency's Departments — On Demand

Compliance#1
Complaints, training, TCPA, handbooks
Licensing
All 50 states & territories, tracked
Contracting
Appointments, carrier adds, GA/FMO
Commissions
Tracking, auditing, recovering
Marketing
Lead-gen compliance, white labeling
Not an FMO.✕Not an Upline.✕Never in YOUR Commissions.
YOUR Clients & Downlines Stay 100% YOURS.
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Years in Insurance
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Agencies Supported
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Agents Assisted
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States & Territories We Help With
ABOUT US

The Departments You Can't Afford to Build — Until NOW

Vitality On Demand is an experienced Florida-based consulting company founded by national award-winning insurance agents (MDRT Top of the Table, Best of Best). We are NOT an insurance agency and we DON'T sell policies. We're the back office — your Compliance, Licensing, Contracting, Commission & Marketing Departments — that independent agents, agencies, FMO's & TPA's plug in whenever they need it. One Department or ALL of them. We don't overcharge, and we NEVER compete for YOUR clients.

Support, NEVER Competition.
[ Photo / 60-sec explainer video: "Who We Are & Why We Exist" ]
WHAT WE DO

Six Departments. Use ONLY What You Need.

Hire US for One — or Run Your Whole Back Office Through US.

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Compliance#1
Complaint Handling, Employee Training, Agency Handbooks, Documents, TCPA
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Complaint HandlingEmployee TrainingAgency HandbooksDocumentsTCPA & ConsentsCMS Marketing ReviewProtocols & ProceduresOpinion-Letter Packages
Built where the rules are made. Our programs come from years of direct work with State & Federal agencies, DOI's, carrier compliance departments & insurance attorneys — and we update them constantly. When an opinion letter is needed, we assemble the package and bring in licensed attorneys.
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Licensing
Agency Registrations, Agent Tracking, ALL 50 States & Territories
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Agency RegistrationsAgent TrackingAll 50 States & TerritoriesEntity / Foreign RegistrationNIPR / SIRCONCE & AHIPG2 Certification

Agency registration is brutal. Real examples ↓

$1,000+
New York
12
steps after the entity registrations
$1,000+
Massachusetts
$$$
registration fees alone
we do it
ALL 50+ Territories
✓
One Team, Every State, Every Territory, All Registered, All Licensed & Tracked.
G2 lives here (it's a licensing item) and Licensing gets its own deep-dive subpage in the full build — state-by-state steps, costs & timelines.
Contracting
Agent Auditing, Appointment Tracking, Carrier Additions, GA & FMO Contracting, Product Creations
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Agent AuditingAppointment TrackingCarrier AdditionsGA & FMO ContractingProduct CreationsMove Up at Your Current FMOGap Analysis
we find missing appointments on almost every audit — which means agents who couldn't get paid on what they sold.
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Commissions
Tracking, Auditing, Recovering, & GA Negotiations
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TrackingAuditingRecovering Lost CommissionsGA NegotiationsFile for IncreasesLil-E (our software)
We see missing money all the time. Manual today — automated with Lil-E, our commission software, soon.
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Marketing
G2 Certifications, Lead Gen Compliance, CMS Compliance, HIPAA, White Labeling & Product Creations
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G2 CertificationsLead Gen ComplianceSelling LeadsCMS ComplianceHIPAAWhite LabelingProduct Creations
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Insurance Agency Hierarchy & Benefits Analysis
Residual structuring, ownership, exits, M&A — the non-sales side of running an agency
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Residual StructuringLong-Term Ownership Purchasing & ExitingMergers & AcquisitionsPrivate Equity Intros for ExitsShared Stock Ownership PlanningCommission Structure AnalysisNew Line & License Pro Formas
Need actual group employer benefits for your team? We refer that to NovaVida Benefits, our group employer benefits agency — VOD handles the consulting, structuring & exit strategy around it.
PARTNERS & PLATFORM

Carriers We Support, Software We Own, Tech We'll Set Up For You.

Carriers, Programs & Companies We Work With

Across your lines of business. Filter by line — each tile becomes a clickable link to that carrier & a contract request in the full build. Real logos drop into the thumbnails from your catalog.

Aetna
Ambetter
Anthem
Florida Blue
Cigna
UnitedHealthcare
Oscar Health
Molina Healthcare
CareSource
Wellpoint
AmeriHealth Caritas
AmeriHealth Caritas Next
AvMed
Health Net
Community Health Choice
CHRISTUS Health Plan
Mending Health
Sentara
HAP
McLaren Health Plan
WellSense
Medica
SelectHealth
Quartz
Priority Health
BCBS of Arizona
BCBS of Illinois
BCBS of Michigan
BCBS of Montana
BCBS of Nebraska
BCBS of New Mexico
BCBS of Oklahoma
BCBS of Tennessee
BCBS of Texas
LA Care Health Plan
UnitedHealthOne
Allstate Health Solutions
Pivot Health
Philadelphia American
Antidote Health
Humana
Devoted Health
Wellcare
HealthSpring
Scan Health Plan
Alignment Health Plan
KelseyCare Advantage
HealthSun
HealthFirst
Freedom Health
Prominence Health
SOLIS Health Plans
Zing Health
Verda Health
Eternal Health
Imperial Health
Golden Kidney Health Plan
Aetna Senior Supplemental
Mutual of Omaha
Manhattan Life
Aflac
Washington National
Wellabe
Guarantee Trust Life
Heartland National
Physicians Mutual
National Life Group
Foresters Financial
American Amicable
Gerber Life
Ethos
Royal Neighbors of America
Guardian
Ameritas
Ameritas Life
NCD
GeoBlue
WorldTrips
HealthSherpa
SunFire
Quotit
Connecture
Sircon
NIPR
Ideon
Lucie
CoreEnroll
Enroll.Health

Showing your real multi-line roster — drop the matching logo files into /public/carriers/ and each tile's artwork appears automatically (monogram until then).

VOD Software & Apps WE Own

Coming Soon

Compliance2A

Complaint tracking, Licensing, Registrations & Renewals tracking — nothing lapses, every deadline visible.

Coming Soon

Lil-E

Commission Tracking — reads any carrier statement and finds the money you're owed.

Coming Soon

Phamella

Quoting & Enrollment App across ACA, private & ancillary lines.

We'll Set It Up & Train You

Useful Tech & AI For Your Agency

Beyond our own tools, we and the thousands of agents & agencies we work with have used and experienced every software program, app, or system imaginable — and can recommend and help implement the right third-party programs you need: CRM's, Dialers, E-Sign, Storage, Quoting & Enrollment — and show you how to put AI to work in your agency to boost productivity and lower overhead. We don't resell it — we make it work.

FOR YOUR OWN TEAM

Shared, Earned Ownership — With Benefits They Deserve.

You sell insurance & benefits all day; most agencies never set up their own. You own your residuals & books of business — your employees would love to find out how to own theirs. We can help show you how to offer residuals or Stock Ownership without giving away your own goals. We compare benefits structures to fit your growth style and attract the talent you need for the exit you deserve!

[ Photo: agency owner + team ]
HOW IT WORKS

One Thing or Every Thing — Only Pay For What YOU Need! We Grow WITH You!

1

Tell Us What Needs You Have

Pick a single service or support your whole back office. No Forced Bundles or Services. Only Pay for What You Need & Use.

2

Get a Custom Quote

Pay As You Go, Monthly Memberships, Embedded, or Revenue-Share Enterprise Opportunities — Quoted to You.

3

Select the Departments You Need To Start

Your New Departments, Selected On Demand ONLY — NEVER in YOUR Commissions.

4

On-Boarding Like a True Employee

We are an extension of your agency — fully informed, fully briefing you every step of the way, every day, every week.

Schedule Your Consultation
RESULTS

REAL Problems, Real Solutions.

$100,000+ Found

“Helped a Multi-State Agency & its downlines locate over $100,000 in missing commissions & patch holes for the future.”

— LBW
Audit Fixed

“We knew we had a better effectuation rate than what our commission statements said. VOD helped us not only find the proper audits but completed them with us. Not only changed our contracts but fixed the reporting so we'll never miss them again!”

— Michelle
Licensed Fast!

“We had 7 non-resident Agency licenses denied, and were bleeding commissions & sales fast without New York & California. Thanks to VOD's quick actions we not only are licensed in all 50 states, but all our agents are properly appointed & writing deals finally!”

— Joshua
Complaint Closed

“A consumer complaint landed at our DOI and we had no idea how to respond. VOD built the entire response package, looped in counsel, and it closed with no action. We finally have handbooks and consents that actually hold up.”

— Daniela
GET STARTED

Tell Us Where It Hurts.

Licensing Backlogs, a LATE Complaint on Your Desk, Commissions that Don't Add Up — Pick ONE Thing or ALL of It. We'll Map the Fastest Fix & Show You.

I am a… (select all that apply)
How many agents do you have?
What do you need? (check all)

No SSN, license, or payment info here — that comes later, securely, during onboarding.

Schedule Your Consultation
Compliancecompliance@vitalityondemand.com
Licensinglicensing@vitalityondemand.com
Supportsupport@vitalityondemand.com
Call / Text561-339-0727
Office1300 Old Congress Ave, West Palm Beach, FL 33409