Carriers

Business and research documentation about the insurance carriers AskFlorence distributes for — appointments, FMO override structures, contracts, plan rules, and carrier-specific enrollment mechanics.

This section is the home for working drafts that drive how AskFlorence onboards with carriers and earns revenue through carrier-paid compensation. Content evolves as new carrier partnerships are signed, FMO relationships mature, and carrier-specific quirks surface in enrollment.

What lives here

• Carrier appointments — how AskFlorence becomes appointed with each carrier, requirements and timelines
• FMO override structures — how field marketing organizations pay downline overrides to agencies and agents
• Contracts — standard carrier-agency contract terms, key clauses, points of negotiation
• Plan availability — which carriers offer which plans in which states, plan-level rules
• Commission structures — how carriers calculate and pay producer compensation
• Carrier-specific enrollment quirks — known edge cases per carrier (Anthem, Centene/Ambetter, Oscar, Cigna, etc.)

What does NOT live here

Engineering and architecture docs about carrier API integrations or enrollment data flow live in their respective engineering sections. When a research finding here graduates into a canonical engineering decision, it moves into an ADR.

Documents

No documents yet — this section is a standing directory for future carrier research.