Policy
Topflight Release Policy
Topflight grants releases between January 2 and August 31. Allow up to 14 business days for Top of Hierarchy signatures, and note that no release is granted within 90 days of marketing support or event sponsorship. AEP 2027 carrier blackout deadlines are listed below.
At Topflight, we value professionalism, accountability, and the significant investments we make in supporting our agents. To ensure fairness and compliance, all release requests are subject to the following guidelines.
01
Release Period
Releases are granted only during the period of January 2 – August 31. Requests submitted outside this window will not be processed.
02
Processing Timeline
Once the Reciprocal Release is returned, please allow up to 14 business days to obtain all required Top of Hierarchy signatures.
03
Marketing & Event Investment
No release will be granted if Topflight has provided marketing support, reimbursements, or event sponsorship for the agent within the last 90 days.
04
Use of Topflight Resources
All Topflight resources (training materials, guides, templates, branding assets, etc.) must be immediately destroyed upon release. Resources may not be duplicated, copied, or used after termination.
AEP 2027 Carrier Blackout Deadlines
Carrier contract transfer deadlines for AEP 2027. Source: Spark Advisors, confirmed as of June 30, 2026. Not all carriers are represented.
Missing a blackout deadline means your transfer cannot be processed in time for AEP 2027. Start early, especially for carriers with deadlines coming up soon.
Two types of transfer. With Release means your current upline has signed a release letter, allowing immediate processing. Without Release usually starts a 60–90 day waiting period for most carriers.
Showing 50 of 54 deadlines, plus 4 estimated
June
UnitedHealthcare
Transfer type
Without ReleaseDeadline
May 31, 2026Passed
CareSource
Transfer type
Without ReleaseDeadline
Jun 3, 2026Passed
Healthspring
Transfer type
Without ReleaseDeadline
Jun 17, 2026Passed
Anthem
Transfer type
Without ReleaseDeadline
Jun 30, 2026Passed
Freedom
Transfer type
Without ReleaseDeadline
Jun 30, 2026Passed
HealthSun
Transfer type
Without ReleaseDeadline
Jun 30, 2026Passed
Select Health
Transfer type
Without ReleaseDeadline
Jun 30, 2026Passed
July
Clover
Transfer type
Without ReleaseDeadline
Jul 1, 2026Passed
Highmark
Transfer type
Without ReleaseDeadline
Jul 1, 2026Passed
Aetna
Transfer type
Without ReleaseDeadline
Jul 3, 2026Passed
Humana
Transfer type
With ReleaseDeadline
Jul 15, 2026Passed
Humana
Transfer type
Without ReleaseDeadline
Jul 15, 2026Passed
Gold Kidney
Transfer type
Without ReleaseDeadline
Jul 17, 2026Passed
Kelsey Seybold
Transfer type
Without ReleaseDeadline
Jul 31, 2026Passed
August
Eternal
Transfer type
Without ReleaseDeadline
Aug 2, 2026Passed
Wellcare
Transfer type
Without ReleaseDeadline
Aug 7, 2026Passed
Devoted
Transfer type
Without ReleaseDeadline
Aug 14, 2026Passed
Transfers 8/15–10/8 will not be effective until 12/8
BCBS MI
Transfer type
With ReleaseDeadline
Aug 31, 2026Passed
BCBS MI
Transfer type
Without ReleaseDeadline
Aug 31, 2026Passed
BCBS SC
Transfer type
With ReleaseDeadline
Aug 31, 2026Passed
BCBS SC
Transfer type
Without ReleaseDeadline
Aug 31, 2026Passed
CareSource
Transfer type
With ReleaseDeadline
Aug 31, 2026Passed
Kelsey Seybold
Transfer type
With ReleaseDeadline
Aug 31, 2026Passed
Memorial Hermann
Transfer type
With ReleaseDeadline
Aug 31, 2026Passed
Memorial Hermann
Transfer type
Without ReleaseDeadline
Aug 31, 2026Passed
UnitedHealthcare
Transfer type
With ReleaseDeadline
Aug 31, 2026Passed
September
SCAN
Transfer type
Without ReleaseDeadline
Sep 1, 2026Passed
Banner
Transfer type
With ReleaseDeadline
Sep 14, 2026Passed
Banner
Transfer type
Without ReleaseDeadline
Sep 14, 2026Passed
HealthSpring
Transfer type
With ReleaseDeadline
Sep 14, 2026Passed
Alignment
Transfer type
With ReleaseDeadline
Sep 15, 2026Passed
Alignment
Transfer type
Without ReleaseDeadline
Sep 15, 2026Passed
SCAN
Transfer type
With ReleaseDeadline
Sep 15, 2026Passed
Wellcare
Transfer type
With ReleaseDeadline
Sep 20, 2026Passed
Aetna
Transfer type
With ReleaseDeadline
Sep 30, 2026Passed
Astiva
Transfer type
With ReleaseDeadline
Sep 30, 2026Passed
Astiva
Transfer type
Without ReleaseDeadline
Sep 30, 2026Passed
BCBS AZ
Transfer type
With ReleaseDeadline
Sep 30, 2026Passed
BCBS AZ
Transfer type
Without ReleaseDeadline
Sep 30, 2026Passed
Clever Care
Transfer type
With ReleaseDeadline
Sep 30, 2026Passed
Clever Care
Transfer type
Without ReleaseDeadline
Sep 30, 2026Passed
Clover
Transfer type
With ReleaseDeadline
Sep 30, 2026Passed
Eternal
Transfer type
With ReleaseDeadline
Sep 30, 2026Passed
Highmark
Transfer type
With ReleaseDeadline
Sep 30, 2026Passed
Molina
Transfer type
With ReleaseDeadline
Sep 30, 2026Passed
Molina
Transfer type
Without ReleaseDeadline
Sep 30, 2026Passed
Select Health
Transfer type
With ReleaseDeadline
Sep 30, 2026Passed
Zing
Transfer type
With ReleaseDeadline
Sep 30, 2026Passed
Zing
Transfer type
Without ReleaseDeadline
Sep 30, 2026Passed
October
Gold Kidney
Transfer type
With ReleaseDeadline
Oct 14, 202611 days left
Estimated dates — not yet confirmed
Doctor's Health Plan
Transfer type
With ReleaseDeadline
Estimated AugustEstimated
Doctor's Health Plan
Transfer type
Without ReleaseDeadline
Estimated AugustEstimated
HAP
Transfer type
With ReleaseDeadline
Estimated end of SeptEstimated
HAP
Transfer type
Without ReleaseDeadline
Estimated end of SeptEstimated
Special case
Anthem with a valid release can transfer at any time. No blackout date applies.
No blackout date
These carriers have no blackout date. Transfers can be processed at any time, with or without release:
- BCBS TN
- El Paso
- Essence
- Imperial
- Prominence
- Solis
- Verda
ACA Carrier Blackout Periods
Requesting new and/or transfers of contracts and appointments will not be allowed during these periods. Carriers not included here do not have an announced blackout period yet.
Showing 17 of 17 carrier periods
Ambetter
New
—
Transfer
Yes
Starting
06/16
End
04/15
Avmed
New
Yes
Transfer
Yes
Starting
11/2024
End
TBA
BCBS AZ
New
Yes
Transfer
Yes
Starting
11/01
End
01/31
BCBS MI
New
—
Transfer
Yes
Starting
09/01
End
01/31
BCBS NC
New
Yes
Transfer
Yes
Starting
10/01
End
03/31
BCBS SC
New
—
Transfer
Yes
Starting
09/01
End
03/01
Christus Health
New
—
Transfer
Yes
Starting
09/01
End
01/31
Harbor Health
New
—
Transfer
Yes
Starting
10/15
End
01/01
Highmark
New
Yes
Transfer
Yes
Starting
10/01
End
12/10
Imperial Health
New
Yes
Transfer
—
Starting
08/31
End
03/31
Jefferson Health
New
—
Transfer
Yes
Starting
06/30
End
03/01
Molina
New
—
Transfer
Yes
Starting
10/01
End
01/31
Oscar
New
—
Transfer
Yes
Starting
09/01
End
05/31
Priority Health
New
Yes
Transfer
—
Starting
08/01
End
08/31
Priority Health
New
—
Transfer
Yes
Starting
10/01
End
01/10
SummaCare
New
—
Transfer
Yes
Starting
10/15
End
12/12
UHC
New
—
Transfer
Yes
Starting
10/01
End
02/01
All dates are subject to the carrier's discretion and may change without prior notice.
Source: BenaVest
Carrier Release & Transfer Forms
Cigna Med Supp
- Step 1:Fill out the form.
- Step 2:Send the completed form to support@topflightagent.com
- Step 3:Wait 1–3 days for the form to be signed by your upline (Topflight).
- Step 4:Return the form to Cigna.
Cigna Supplemental Benefits
- Attn: Agent Contracting
- Fax: 888-832-4154
- Email: CSBLicensing@Cigna.com
Aetna MAPD
- Step 1:Fill out the form.
- Step 2:Send the completed form to support@topflightagent.com
- Step 3:Wait 1–3 days for the form to be signed by your immediate upline (Topflight).
- Step 4:Wait 1–2 weeks for the form to be signed by Top of Hierarchy.
Wellcare Transfer
- Step 1:The transfer instructions start on page 39 of the PDF.
- Step 2:To transfer TO Topflight or an agency under Topflight, type in your direct upline's agency name.
- Step 3:If you are direct to Topflight, type: "Topflight Insurance Solutions".
Questions about this policy?
If you have any questions or concerns about this Release Policy, please contact us.
In short
The release policy in five lines
- ◆Releases are granted between January 2 and August 31. Requests outside the window are not processed.
- ◆Allow up to 14 business days after the reciprocal release is returned for all Top of Hierarchy signatures.
- ◆No release is granted within 90 days of Topflight marketing support, reimbursements or event sponsorship.
- ◆With release means your current upline signed a release letter and the transfer processes immediately. Without release usually starts a 60 to 90 day waiting period with most carriers.
- ◆Completed forms go to support@topflightagent.com. Topflight resources must be destroyed upon release.
Transferring to Topflight from another FMO? The same deadlines apply in reverse: a carrier accepts your transfer only before its blackout date, with or without a release from your current upline. Start with the contracting application and tell us which carriers you hold; the Care Team checks each deadline below against your list.
Sources: Topflight release policy; AEP 2027 deadlines from Spark Advisors, confirmed June 30, 2026; ACA blackout periods from BenaVest. The Avmed ACA row has not been confirmed since November 2024; verify with BenaVest before relying on it.
Frequently asked
Questions agents ask about Releases & Transfers
When can I request a release from Topflight?
Releases are granted only between January 2 and August 31. Requests outside the window are not processed, and no release is granted within 90 days of marketing support or event sponsorship.
How long does a release take?
Allow up to 14 business days after the reciprocal release is returned to obtain all Top of Hierarchy signatures. Cigna Med Supp takes 1 to 3 days for the upline signature; Aetna MAPD adds 1 to 2 weeks for Top of Hierarchy.
What is the difference between a transfer with and without release?
With Release means your current upline signed a release letter, so the transfer processes immediately. Without Release usually starts a 60 to 90 day waiting period with most carriers.
Which carriers have no blackout date?
BCBS TN, El Paso, Essence, Imperial, Prominence, Solis and Verda can be transferred at any time, with or without release. Anthem with a valid release can transfer at any time.
Last updated: · Reviewed by Joanna Wyckoff, Founder. Published by the Topflight Data Desk.