Get ready to compare 2027 health plans, review available financial assistance and see whether you may qualify for new Virginia Premium Savings.
Every day, our team helps families, seniors and small businesses across Virginia make sense of health insurance and Medicare. If you enjoy helping people, love explaining things clearly and want work with real purpose, we'd like to meet you, whether you're a seasoned agent or just curious about the profession.
A short, confidential, no-pressure conversation. No resume needed to start.
Insurance is a people business, and we invest in the people doing it. Here's what you get when you join HBG.
Learn the plans, the rules and the enrollment systems, plus how to run a great client conversation, so you feel ready and confident.
A CRM, a business email address, a business phone line and our secure agent portal, all provided by the brokerage.
Errors & omissions insurance is covered by the brokerage, so you can put your energy into your clients.
We work with multiple insurance companies, so you can compare options side by side and recommend what truly fits each client.
Work alongside experienced Benefits Consultants who are happy to share what they know. Questions are always welcome.
Meet clients by phone, video or in person, from your home office or on the road. Full-time and part-time conversations are welcome.
Health coverage and Medicare touch every part of people's lives: their doctors, their prescriptions, their budgets. Here's a look at what you'd actually be doing.
No two days are exactly alike, and that's part of the fun.
Insurance has seasons. Here's the general shape of the year.
Seasoned pro or brand new, what matters most is genuine care for people and a habit of following through.
You know the business and you're ready for an independent home with real support behind you, plus the tools to keep growing.
You might be a great fit if…
Already have a book of business? Let's talk. We tailor the conversation to your experience.
I'm licensed. Let's talk →No insurance background? No problem. Agents come to this work from teaching, healthcare, customer service, banking, retail, the military and small business. If you enjoy helping people, you're already off to a good start.
You might be a great fit if…
Getting licensed is a clear, step-by-step process. Here's how it works, from day one to helping your first clients. Licensing is handled by the Virginia State Corporation Commission's Bureau of Insurance.
To sell health coverage, including ACA plans and Medicare products, you need a Virginia Health license ("accident and sickness" insurance). Many agents add Life & Annuities.
Bureau of InsuranceVirginia doesn't require a pre-licensing course for Life & Annuities or Health. You can study on your own, though most people use an exam-prep course.
Self-pacedPrometric runs Virginia's insurance licensing exams. You can take Health alone, Life & Annuities alone, or the combined Life, Annuities & Health exam.
PrometricApply online through Sircon or NIPR. New resident applicants are also fingerprinted at a Fieldprint location for a background check. Processing usually takes about 15 business days.
Sircon / NIPREach insurance company you represent appoints you before you can sell its plans. We walk our agents through contracting and appointments.
CarriersCMS requires agents who sell Medicare Advantage and Part D plans to be trained and tested every year. Most carriers accept AHIP's Medicare + Fraud, Waste & Abuse course, plus their own product certification.
AHIP & carriersVirginia runs its own state-based exchange, so agents complete Virginia's Insurance Marketplace training and exam each year. HealthCare.gov certification isn't accepted in Virginia.
Virginia's MarketplaceVirginia agents complete continuing education every two years, including ethics hours. We share CE opportunities with our team.
Continuing edA general overview, not legal advice. Requirements and fees change, so check the official sources: Virginia Bureau of Insurance, Virginia's Insurance Marketplace and CMS.
Questions about getting started? Ask us →Don't see your question? Call us at (757) 690-0255 or send it with the form below.
No. We welcome people who are new to the profession. What matters most is that you care about doing right by clients and are willing to learn. You'll need to earn your Virginia Health license before you can advise or enroll clients.
We love talking about this one in person. Compensation and contract terms are discussed personally, based on your experience and any existing book of business you bring. We'll walk you through everything during the interview, so you'll have the full picture before making any decision.
The brokerage provides your tools, including a CRM, a business email address, a business phone line and access to our secure agent portal. It also covers E&O insurance and provides ACA and Medicare training.
Full-time and part-time conversations are both welcome. Tell us what you're looking for on the form and we'll talk it through. Medicare's Annual Enrollment Period (October 15 – December 7) and ACA Open Enrollment are the busiest times of year.
Yes. You can work remotely from anywhere in Virginia and serve clients by phone, video or in person. New agents get a Virginia resident license, which requires a Virginia home address.
Your state license, from the Virginia Bureau of Insurance, lets you sell health insurance. An appointment is a separate step: each insurance company has to appoint you before you can sell its plans. Medicare plans also need yearly certification. We help you through the appointments once you're licensed.
A captive agent represents one insurance company and sells only its products. An independent agency like HBG works with multiple insurance companies, so we can compare options and recommend what fits each client.
We'll review your information and reach out to set up a short, no-pressure conversation about your goals and whether this work is a good fit. Sending the form doesn't commit you to anything.
Licensed or just curious, this is where it starts. Tell us a little about yourself and we'll reach out to set up a friendly, no-pressure conversation.
Thank you! We've received your information and will be in touch soon. If you'd like to talk sooner, call (757) 690-0255.
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