--- title: Module 01 — Welcome to American Ally description: Welcome to the team. This module covers who we are, what we expect, how you get paid, and the tools you will use every single day. Read it carefully — this is your foundation. --- [Skip to content](https://licensing.americanally.com/start/module-01-welcome-to-american-ally#main-content) [![American Ally Academy Logo](https://licensing.americanally.com/hs-fs/hubfs/American%20Ally%20Academy%20Logo.png?width=429&height=100&name=American%20Ally%20Academy%20Logo.png)](https://academy.americanally.com/start/) - [Licensing](https://licensing.americanally.com/start/tx-life-health-licensing) Show submenu for Licensing - [Types Of Life Policies](https://licensing.americanally.com/start/types-of-life-policies) - [Types Of Health Policies](https://licensing.americanally.com/start/types-of-health-policies) - [Other Insurance Concepts](https://licensing.americanally.com/start/taxation-retirement-other-insurance-concepts) - [Statutes](https://licensing.americanally.com/start/statutes-for-life-health-insurance) - [MP3s](https://licensing.americanally.com/start/mp3s) - [Life Provisions, Riders, & Options](https://licensing.americanally.com/start/life-provisions-riders-options) - [Life & Health Flashcards](https://licensing.americanally.com/start/life-flash-cards) - [Health Provisions, Riders, & Options](https://licensing.americanally.com/start/health-provisions-riders) - [Field Underwriting](https://licensing.americanally.com/start/field-underwriting) - [Additional Study Tools](https://licensing.americanally.com/start/additional-study-tools) - Modules 1-4 Show submenu for Modules 1-4 - Module 1 - Welcome To American Ally Show submenu for Module 1 - Welcome To American Ally - [Module 01 — Welcome to American Ally](https://licensing.americanally.com/start/module-01-welcome-to-american-ally) - [2. Office Guidelines & Expectations](https://licensing.americanally.com/start/office-guidelines-expectations) - [3. Sales Development Representative (SDR)](https://licensing.americanally.com/start/sdr) - [4. Compensation & Growth Path](https://licensing.americanally.com/start/compensation-growth-path) - [5. Daily Activity Standards](https://licensing.americanally.com/start/daily-activity-standards) - [6. Your Toolkit](https://licensing.americanally.com/start/your-toolkit) - Module 2 - Health Insurance Industry Show submenu for Module 2 - Health Insurance Industry - [Module 02 — How the Health Insurance Industry Works](https://licensing.americanally.com/start/module-02-how-the-health-insurance-industry-works) - [2. Prescription Drug Coverage — How It Works and Why It Is Broken](https://licensing.americanally.com/start/prescription-drug-coverage) - [3. Dental & Vision — Our Dental Choice Plus Plan](https://licensing.americanally.com/start/dental-vision-our-dental-choice-plus-plan) - [4. The Health Insurance Landscape Today](https://licensing.americanally.com/start/the-health-insurance-landscape-today) - [5. Why Clients Choose the Private Market](https://licensing.americanally.com/start/why-clients-choose-the-private-market) - Module 3 - Our Plans: What We Sell & Why Show submenu for Module 3 - Our Plans: What We Sell & Why - [1. Fixed Indemnity Insurance — What It Is](https://licensing.americanally.com/start/fixed-indemnity-insurance) - [2. Our Primary Product: Optimum Health Saver](https://licensing.americanally.com/start/our-primary-product-optimum-health-saver) - [3. 2 Unit (Plus) — Full Benefit Schedule](https://licensing.americanally.com/start/2-unit-plus-full-benefit-schedule) - [4. Real-World Example: Jill's Hospital Stay](https://licensing.americanally.com/start/real-world-example-jills-hospital-stay) - [5. Ancillary Products — The Full Bundle](https://licensing.americanally.com/start/ancillary-products-the-full-bundle) - [6. State Availability & Variations](https://licensing.americanally.com/start/state-availability-variations) - [7. Underwriting Guidelines (Summary)](https://licensing.americanally.com/start/underwriting-guidelines) - [8. PDF Resources (Module 3)](https://licensing.americanally.com/start/pdf-resources) - Module 4 - Competitive Knowledge: ACA and the Market Show submenu for Module 4 - Competitive Knowledge: ACA and the Market - [1. ACA (Major Medical) - A Full Picture](https://licensing.americanally.com/start/aca) - [2. When to Recommend ACA](https://licensing.americanally.com/start/when-to-recommend-aca) - [3. Short-Term Medical (STM) Plans](https://licensing.americanally.com/start/short-term-medical) - [4. Health Share Plans](https://licensing.americanally.com/start/health-share-plans) - [5. How We Compare — Our Competitive Advantage](https://licensing.americanally.com/start/how-we-compare) - [6. 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Office Guidelines & Expectations](https://licensing.americanally.com/start/office-guidelines-expectations) - [3. Sales Development Representative (SDR)](https://licensing.americanally.com/start/sdr) - [4. Compensation & Growth Path](https://licensing.americanally.com/start/compensation-growth-path) - [5. Daily Activity Standards](https://licensing.americanally.com/start/daily-activity-standards) - [6. Your Toolkit](https://licensing.americanally.com/start/your-toolkit) - Module 2 - Health Insurance Industry Show submenu for Module 2 - Health Insurance Industry - [Module 02 — How the Health Insurance Industry Works](https://licensing.americanally.com/start/module-02-how-the-health-insurance-industry-works) - [2. Prescription Drug Coverage — How It Works and Why It Is Broken](https://licensing.americanally.com/start/prescription-drug-coverage) - [3. Dental & Vision — Our Dental Choice Plus Plan](https://licensing.americanally.com/start/dental-vision-our-dental-choice-plus-plan) - [4. The Health Insurance Landscape Today](https://licensing.americanally.com/start/the-health-insurance-landscape-today) - [5. Why Clients Choose the Private Market](https://licensing.americanally.com/start/why-clients-choose-the-private-market) - Module 3 - Our Plans: What We Sell & Why Show submenu for Module 3 - Our Plans: What We Sell & Why - [1. Fixed Indemnity Insurance — What It Is](https://licensing.americanally.com/start/fixed-indemnity-insurance) - [2. Our Primary Product: Optimum Health Saver](https://licensing.americanally.com/start/our-primary-product-optimum-health-saver) - [3. 2 Unit (Plus) — Full Benefit Schedule](https://licensing.americanally.com/start/2-unit-plus-full-benefit-schedule) - [4. Real-World Example: Jill's Hospital Stay](https://licensing.americanally.com/start/real-world-example-jills-hospital-stay) - [5. Ancillary Products — The Full Bundle](https://licensing.americanally.com/start/ancillary-products-the-full-bundle) - [6. State Availability & Variations](https://licensing.americanally.com/start/state-availability-variations) - [7. Underwriting Guidelines (Summary)](https://licensing.americanally.com/start/underwriting-guidelines) - [8. PDF Resources (Module 3)](https://licensing.americanally.com/start/pdf-resources) - Module 4 - Competitive Knowledge: ACA and the Market Show submenu for Module 4 - Competitive Knowledge: ACA and the Market - [1. ACA (Major Medical) - A Full Picture](https://licensing.americanally.com/start/aca) - [2. When to Recommend ACA](https://licensing.americanally.com/start/when-to-recommend-aca) - [3. Short-Term Medical (STM) Plans](https://licensing.americanally.com/start/short-term-medical) - [4. Health Share Plans](https://licensing.americanally.com/start/health-share-plans) - [5. How We Compare — Our Competitive Advantage](https://licensing.americanally.com/start/how-we-compare) - [6. 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[Academy](https://licensing.americanally.com/start?hsLang=en) 2. [Modules 1-4](https://licensing.americanally.com/start/modules-1-4?hsLang=en) # Module 01 — Welcome to American Ally ## Welcome to the team. This module covers who we are, what we expect, how you get paid, and the tools you will use every single day. Read it carefully — this is your foundation. ### 1. About American Ally American Ally is an independent insurance agency specializing in private health insurance solutions for individuals and families who do not qualify for or choose not to use ACA (Affordable Care Act) marketplace plans. We operate across most U.S. states and our primary focus is placing clients with the right fixed indemnity health plan based on their situation and budget. **Our Insurance Partner: Philadelphia American Life Insurance Company (PALIC)** All plans we sell are underwritten by Philadelphia American Life Insurance Company (PALIC), a subsidiary of New Era Life Group. PALIC carries an AM Best rating of A- (Excellent) — meaning they are financially stable and pay claims reliably. - Parent company: New Era Life Group - AM Best Rating: A- (Excellent) - Product type: Fixed indemnity / fixed benefit health insurance - Network: First Health LBP PPO (firsthealthlbp.com) | **Why This Matters** When clients ask if this is a "real" insurance company, you can confidently say yes. Philadelphia American has been in business for decades and carries one of the strongest ratings in the private health insurance space. | | --- | ### 2. Office Guidelines & Expectations These standards ensure our workplace remains professional, productive, and positive for everyone. Every team member is responsible for upholding them. **Attendance & Punctuality** - Be ready to begin work at 9:00 AM - If you will be late, text your manager (Nick) as soon as possible - Consistent attendance is non-negotiable — our pipeline depends on daily activity **Workspace Cleanliness** - Clean your desk and eating area after every meal - Before leaving each day: rinse dishes, clear trash, tidy desk - Friday afternoon: full reset — trash, dishes, wipe down desk, clear old food from fridge - Keep common areas (kitchen, conference room) clean for everyone **Professional Appearance** - Business casual standard. Clean, wrinkle-free clothing at all times. - Acceptable: polo or button-down shirts, blouses, dress pants, un-ripped jeans, khakis, closed-toe shoes - Not acceptable: ripped jeans, tank tops, flip-flops, overly casual wear, clothing with slogans - Arrive clean: face washed, teeth brushed, deodorant applied, clean clothes **Attitude & Team Conduct** - Leave personal frustrations at the door — start every day ready to engage - If you are struggling personally or physically, communicate with Nick - Speak respectfully to all team members — no condescending tones or negative commentary - When on a call in a shared space, keep your volume low - During all-hands meetings: full attention, phones away, take notes if needed **Integrity & Lead Ownership** - Never take or claim another agent's leads, deals, or referrals - If a lead mentions another agent's name, refer them immediately to that agent - Always act in good faith with teammates, clients, and partners **Time Off Requests** All time off requests must be submitted in advance through the following process: - Send a calendar invite request via Google Meet to Ben, Nick, and Sam - Include the dates and reason in the invite description - Do not consider time off approved until you receive confirmation from Nick | **Remember** Professionalism is not just how you act — it is the combination of attitude, appearance, accountability, and respect that defines who we are as a company. | | --- | ### 3. Your Role as a Sales Development Representative (SDR) As an SDR at American Ally, your job is to convert inbound leads into booked appointments and ultimately submitted applications. You are not cold calling from scratch — leads come to us through our marketing funnel. Your job is to work those leads quickly, professionally, and persistently. **What You Do Every Day** 1. Dial your assigned leads in HubSpot — target 100 calls per day 2. Book brochure calls (Google Meet video appointments) 3. Run brochure calls: present the Optimum Health Saver plan 4. Close the sale and submit the application through the PALIC portal 5. Follow up on all outstanding leads and open deals 6. Log all activity accurately in HubSpot   ### 4. Compensation & Growth Path Here is exactly how your compensation works as an SDR at American Ally: | **Stage** | **Base Salary** | **Commission** | | --- | --- | --- | | Months 1–6 (Ramp) | $45,000/year | None — focus on learning and activity | | Month 7+ (Full) | $55,000/year | 5% of all submitted premiums | | **How Commission Works** You earn 5% on every application you submit — paid as earned, not upfront. Here is how it works: as the client pays their monthly premium and stays on the books, we pay you 5% of that each month for 12 months. Example: a client paying $400/month = $4,800 in annual premium = $240 commission on that one client, paid $20/month as long as they stay active. Our top agents close 1–2 sales per day. Stack clients and the number compounds fast. | | --- |   **The 18-Month Path** Agents who consistently perform at a high level have the opportunity to negotiate a better compensation contract after 18 months. Specifically, if your average monthly production exceeds $50,000 over your first 18 months, we will sit down and discuss what a stronger long-term arrangement looks like for you. This is a merit-based conversation — not a policy — and it is reserved for agents who have demonstrated they can produce at that level consistently. | **What This Means for You** Hit your numbers. Stay consistent. If your average monthly production clears $50k over 18 months, you have earned a seat at the table to negotiate your next chapter here. We want our best people to stay and grow — and we back that up with better contracts for agents who earn it. | | --- | ### 5. Daily Activity Standards Activity drives results. Below are the non-negotiable daily and weekly benchmarks every SDR is held to: | **Metric** | **Target** | | --- | --- | | Outbound calls per day | 100 calls/day | | Brochure calls booked per week | Based on lead volume — maximize every lead | | Applications submitted per week | Track in HubSpot pipeline | | HubSpot notes updated | After every call — same day | | Aircall compliance | 100% — all calls through Aircall, no personal phones | These are not suggestions. They are the floor. Agents who consistently hit activity benchmarks write business. Agents who do not, do not.   ### 6. Your Toolkit You will use these tools every single day. Know them. If you are having trouble with any tool, speak with Nick immediately. | **Tool** | **Purpose** | **Where to Learn** | | --- | --- | --- | | HubSpot CRM | Lead management, deal tracking, notes, pipeline — your central workspace | Module 07 | | Aircall | All outbound and inbound calls + SMS — required for compliance | Module 07 | | Google Meet | All brochure calls are run here — must be recorded | Module 07 | | PALIC Portal | Quick Quote (pricing) and Enrollment (applications) | Module 10 | | GoodRx | Prescription pricing tool to share with clients | Module 02 | | First Health LBP | PPO network lookup — firsthealthlbp.com | Module 03 |   | **Module 01 Complete** You now know who we are, what we expect, how you get paid, and what tools you will use. Proceed to Module 02 to understand the health insurance industry and why our clients need us. | | --- | - [Licensing](https://licensing.americanally.com/start/licensing?hsLang=en) - [Modules 1-4](https://licensing.americanally.com/start/modules-1-4?hsLang=en#main-content) - [Module 1](https://licensing.americanally.com/start/modules-1-4?hsLang=en#module-1) - [Systems](https://licensing.americanally.com/start/systems?hsLang=en#main-content) - [Google Workspace](https://licensing.americanally.com/start/systems?hsLang=en#google-workspace) - [HubSpot CRM](https://licensing.americanally.com/start/systems?hsLang=en#hubspot-crm) - [Aircall](https://licensing.americanally.com/start/systems?hsLang=en#aircall) - [New Era Portal](https://licensing.americanally.com/start/systems?hsLang=en#new-era-portal) - [Industry](https://licensing.americanally.com/start/industry?hsLang=en) - [Offerings](https://licensing.americanally.com/start/offerings?hsLang=en) - [Sales Training](https://licensing.americanally.com/start/sales-training?hsLang=en) - [Support & Resources](https://licensing.americanally.com/start/support-resources?hsLang=en) - [American Ally](https://licensing.americanally.com/start/american-ally?hsLang=en) - [Module 2](https://licensing.americanally.com/start/module-2?hsLang=en) [![American Ally Horizontal Logo](https://licensing.americanally.com/hs-fs/hubfs/American%20Ally%20Horizontal%20Logo.png?width=437&height=75&name=American%20Ally%20Horizontal%20Logo.png "American Ally Horizontal Logo")](https://americanally.com/) [mailto:support@americanally.com](mailto:support@americanally.com) Copyright © 2025, American Ally Holding, LLC