AEP 2027 · Agent Readiness

Build your book before the AEP bell rings.

Claro is the bridge between independent agents and 60+ top carriers. We handle the complex backend — contracting, certifications, tools — so you walk into October 15 ready to sell.

You keep 100% of commissionsFree to join, alwaysFully bilingual support
Countdown to AEP

Enrollment opens Oct 15, 2026

Days
Hrs
Min
Sec
AEP windowOct 15 → Dec 7, 2026
Contract once. Sell them all.HumanaUnitedHealthcareAetnaWellcareAnthemCignaDevoted+60 more
Your path

The road to AEP 2027

Five steps between today and a ready-to-sell book. Claro walks every one with you.

1
Now

Contract with Claro

Non-captive. Keep your other uplines. Free to start.

2
Jul–Sep 2026

Certify for PY2027

Guided certifications across 7 core Medicare carriers.

3
Sep 2026

Load your toolkit

ARC platform, compliant marketing, and leads ready to go.

4
Oct 15

AEP opens

Hit the ground selling from day one — not scrambling to appoint.

Dec 7

AEP closes

Finish strong with Claro support through the final bell.

Why agents choose Claro

Everything you need for AEP, all in one place.

We invest in your growth and stay out of your commissions. That's the Claro model.

Carrier access & guided appointments

60+ carriers across Medicare, Life and Supplemental. We walk you through every PY2027 appointment and keep you ahead of compliance and product changes.

Training & marketing programs

Claro Learning delivers bilingual certification and product training every month — plus done-for-you, TPMO-compliant marketing built to help you sell more and scale smarter.

Free ARC platform

The Agent Resource Center is your all-in-one hub to quote, enroll, and manage your entire book — policies, carrier updates, and real-time commission visibility, always a step ahead.

You keep 100% of your commissions

Claro runs a non-captive model — we never keep a percentage, and you're always free to choose your own path. Ask about Commission in Advance to smooth out AEP cash flow.

Your AEP arsenal

The Claro AEP 2027 toolkit

Real assets your agency plugs into — not promises. Every piece is compliant, bilingual-ready, and built for the field.

Platform

ARC platform

The Agent Resource Center — your all-in-one hub to manage your book, track policies and commissions, and stay ahead of carrier updates in real time.

Enrollment

Sunfire — Medicare EDE

Claro’s electronic enrollment platform. Compare MA, PDP, and Med Supp plans side by side and submit e-applications — quote to enrollment in one flow.

Marketing

Compliant marketing

Geofencing, TPMO-compliant Meta ads, and call tracking — a full 90-day AEP roadmap, ready to launch and audit-ready.

Scripts

Telesells scripts

CMS-compliant telesales scripts in English and Spanish — a proven flow from opening to enrollment that keeps every call on the rails.

Leads

Medicare leads

Medicare leads routed to agents suited for Telesells — matched to your license, states, and capacity so you're calling prospects, not chasing them.

Training

Claro Learning

Bilingual certification prep and product deep-dives — including a full PY2027 carrier certification calendar.

Beat the deadlines

PY2027 certifications are open. The window won't wait.

Miss a carrier's cutoff and you miss the whole AEP for that plan. Claro tracks all seven core carrier deadlines and pings you before each one — so nothing slips.

Get my PY2027 cert plan
PY2027 Core Carrier Certifications7 carriers
HumanaOpens JunOpen
UnitedHealthcareOpens JulOpen
AetnaOpens JulOpen
WellcareOpens JulOpen
AnthemOpens AugOpen
Health Springs CignaOpens AugOpen
Devoted HealthOpens AugOpen

Illustrative windows — Claro confirms each carrier's exact PY2027 open and cutoff dates inside Claro Learning.

Built for your markets

Bilingual by design. Strong where you sell.

From Miami to the Rio Grande Valley, Claro's team, training, and materials work in English and Spanish — because your clients do too. Claro is contracted for Medicare across 38 states, with a deep bench in the markets that drive growth.

FL
Focus market
TX
Focus market
38
Medicare states
Straight answers

Questions agents ask before AEP

Do I have to give up my other uplines?+
No. Claro is non-captive. Contract with us for the carriers and support you want, and keep everything else exactly as it is. You're always in control of your business.
What does it cost to join Claro?+
Nothing. There's no fee to get started and we never take a percentage of your commissions. We make money when carriers pay us as your FMO — not by touching your check.
Which carriers can I sell for AEP 2027?+
60+ carriers across Medicare, ACA, Life, and Supplemental — including seven core Medicare Advantage and PDP carriers like Humana, UnitedHealthcare, Aetna, Wellcare, Anthem, Health Springs Cigna, and Devoted. We guide every appointment.
Do you support Spanish-speaking agents and clients?+
Fully. Training, support, and client materials all come in English and Spanish. It's core to how Claro is built, not an afterthought.
How fast can I get contracted before AEP?+
Fast — but the earlier the better, because carrier certifications have hard cutoffs. Book a 25-minute call and our new-business team maps your contracting and certification plan the same day.
Let's talk

Get AEP-ready with Claro.

Book a free 25-minute strategy call. We'll map your carriers, certifications, and a growth plan — no pressure, no cost.

Access to 60+ top national carriers
Dedicated onboarding & contracting support
Free tools for quoting, tracking & sales
Ongoing bilingual training, from certs to cross-selling
Business hours: Mon–Fri 9am–5pm · Sun 9am–12pm (Miami EDT)

Get a call today

A few quick details and our new-business team reaches out.

Or call now: 1‑800‑806‑2527 · hello@claroinsurance.com