---
title: "Agent education | Topflight"
description: "Plain-language guides for Medicare, health and life agents: what an FMO is, how commissions work, licensing, chargebacks, releases and building a downline."
url: https://topflightagent-demo-v2.pages.dev/agent-education
dateModified: 2026-10-05
---

# Agent education

Start here

The questions agents ask before they ever search a brand name, answered in plain language from Topflight’s own data and the CMS rules behind it.

The guides

## Read in this order

- ◆[What is an FMO?](https://topflightagent-demo-v2.pages.dev/what-is-an-fmo) The hierarchy explained, how an FMO is paid and what an agent should expect from one.
- ◆[How Medicare commissions and overrides work.](https://topflightagent-demo-v2.pages.dev/how-medicare-commissions-work) Base rates, renewals, referral fees, overrides and how to read a statement.
- ◆[How to become a Medicare agent.](https://topflightagent-demo-v2.pages.dev/become-a-medicare-agent) License, AHIP, contracting, certifications, E&O and the compliance basics, step by step.
- ◆[AHIP and carrier certification.](https://topflightagent-demo-v2.pages.dev/ahip-and-carrier-certification) What is required every plan year and when.
- ◆[Chargebacks explained.](https://topflightagent-demo-v2.pages.dev/chargebacks-explained) The rapid-disenrollment rule and how to dispute a chargeback.
- ◆[Choosing or leaving an FMO.](https://topflightagent-demo-v2.pages.dev/choosing-or-leaving-an-fmo) The questions to ask any upline, with Topflight’s release policy as the worked example.
- ◆[Building a downline.](https://topflightagent-demo-v2.pages.dev/building-a-downline) What overrides look like at each level and what the obligations are.
The data behind them

## Topflight’s published guides

- ◆[2027 Agent and Override Commission Guide](https://topflightagent-demo-v2.pages.dev/agent-commissions)
- ◆[Release policy and AEP 2027 blackout deadlines](https://topflightagent-demo-v2.pages.dev/agent-release-transfer)
- ◆[ACA Command Center](https://topflightagent-demo-v2.pages.dev/aca-command-center)
- ◆[Short-Term Home Health Care Field Guide](https://topflightagent-demo-v2.pages.dev/home-health-care-guide)
- ◆[Support Hub and carrier upline directory](https://topflightagent-demo-v2.pages.dev/support-hub)
Frequently asked

## Questions agents ask about Agent education

**What is on the agent education hub?**

**Who are these guides for?**

**Where do the numbers come from?**

Last reviewed: October 5, 2026 · Reviewed by Joanna Wyckoff, Founder. Published by the Topflight Data Desk.