AO Financial operates as a Division of USA Benefits Group — giving our agents access to the specialized ecosystem we've built while being backed by an established national FMO.
USA Benefits Group serves consumers across multiple insurance markets. Public USABG materials describe an A+ rated brokerage firm that has served the self-employed and people responsible for their own health insurance for over 38 years, selling online and by teleconference — and state that the organization has served individuals, families and small-business owners since 1988.
Statements about USA Benefits Group reflect USA Benefits Group’s own public-facing materials. Carrier access, contracting and product availability are provided through USA Benefits Group and its carrier relationships and vary by state, carrier and contracting status.
AO Financial operates as a division within USA Benefits Group rather than functioning as an isolated independent agency.
USABG's broader carrier relationships give agents access to solutions across multiple insurance categories, subject to state, carrier and contracting availability.
Health. Life. Supplemental. ACA. Senior and Medicare opportunities where properly licensed and contracted. And additional protection products.
Contracting, carrier relationships, compliance resources, organizational infrastructure and national scale.
USABG provides the larger organizational framework within which AO agents can grow into District and Regional leadership.
USA Benefits Group's public-facing materials state that the organization has served consumers since 1988. AO is innovative and fast-moving; USABG provides established industry infrastructure behind it.
Understand this in about five seconds.
Behind AO sits a larger organization providing carrier relationships, contracting infrastructure, product breadth, national scale, leadership pathways, organizational support and industry experience.
AO Financial specializes primarily in building agents in the U65 and private-health market. The USABG relationship means we exist inside a much broader insurance organization — which gives the agent somewhere to grow.
Being precise about this makes the opportunity easier to evaluate — and makes it obvious what you actually get from each side of the relationship.
AO gives the agent specialization. USABG gives the agent scale.
