Medicare Renewals & Residual Income: The Real Prize

Renewals are recurring income for work you already did — every MA client you keep pays $347/yr in most states (2026), no new sale. That's residual income, like rental property or royalties: build it once, it pays repeatedly.

The compounding math

Retain roughly 150 clients a year and keep most: year one you live on initials; year two you collect renewals on last year's book before writing anything new; by year five your renewal income alone can rival what many agents earn in total.

Which means retention is everything

A renewal only pays if the client stays. Lose a client and you lose every future renewal from them. Serious agents invest in service, annual reviews, and staying in touch — retention isn't a nice-to-have, it's the business model.