$120M+
in U65 private health business written since 2022
AO Financial combines the scale and carrier infrastructure of USA Benefits Group with a specialized agent ecosystem built around U65 private health — training, live development, technology, leads, marketing, AI underwriting support and long-term book building.
in U65 private health business written since 2022
Manhattan Life Agency — 2024 & 2025
growing division in USA Benefits Group
2026 production over 2025
Organizational production figures are historical results for AO Financial and its writers. They describe the organization, not any individual agent’s experience, and are not a promise or projection of future performance.
AO Financial is a Division of USA Benefits Group, a national FMO and nationwide network of independent health and life insurance professionals. AO agents get the culture, training, technology, lead infrastructure and specialized systems we've built inside AO — while operating with the carrier access, scale, contracting infrastructure and industry presence of USA Benefits Group behind them.
Specialization.
Scale.
They enter a business where they're expected to independently figure out training, leads, technology, marketing, products, underwriting and follow-up — all while trying to sell.
Beneath all of it, the USA Benefits Group FMO platform.
Learn the system.
Apply the system.
Run the business.
Generate opportunities.
Power the marketing.
Navigate the case.
Consumer-facing brand.
Build consumer demand.
Become self-sufficient. Then scale.
AO University establishes the foundation. AO University LIVE helps agents apply it. Our technology organizes the business. Our underwriting infrastructure helps agents navigate cases. Our leadership provides another layer of support. The objective is ultimately self-sufficiency.
We don't train you and disappear.
The advertising, lead generation, CRM and automation are built to operate as one connected system around the agent — which is why the handoffs actually work.
One connected system.
Built around the agent.
AO was built around the idea that agents shouldn't necessarily have to choose between strong upfront compensation and recurring revenue potential. Private health can provide an opportunity for initial compensation, while retained business can create renewal income.
And health opens the door to life insurance, supplemental coverage, referrals and long-term household relationships.
The best life lead may be a health lead.
So how could health possibly be more profitable? See the math behind the model — and the power of the penny.
Compensation and renewal structures vary by carrier, product, persistency and client retention, and are never guaranteed. AO Financial makes no income representations.
AO's goal isn't simply helping agents make their next commission check. It's teaching them how to build and retain a book of business.
Mike Curry entered insurance in November 2020. In his first full year he became a Hall of Fame Producer with more than $400,000 in personal production. He learned the life insurance business firsthand — including the upside, and the problems created by expensive leads, chargebacks and constantly replacing production.
In 2022 he transitioned heavily into health insurance. What started as a personal transition became a larger idea: what if you could take the production mentality of life insurance and combine it with the recurring economics of health insurance? That question became the foundation of AO Financial.
$400K+ Hall of Fame Producer
Transition to health
500+ writers · ~$32M AP
~$45M AP · #1 Manhattan Life
#1 Manhattan Life again
Up 71% over 2025
Organizational production figures are historical results for AO Financial and its writers. They describe the organization, not any individual agent’s experience, and are not a promise or projection of future performance.
USABG foundation. AO systems. Your business.