From Broker to Main Street Maverick — The Complete System for Winning Level-Funded Business

Level funding has grown over 400% in the past decade.
If you’re not in the game, you’re already behind - but you don’t have to stay there.

Stop feeling behind. Become the most confident, knowledgeable, and trusted advisor in the room — even if level-funding feels confusing right now.

American Trust Administrators has worked to give you something the industry has never had before:

Level Funded University (LFU)

Your all-in-one path to becoming the Main Street hero who wins more accounts—and protects your clients from the Wall Street machine.

Watch this video first—Tom Stein walks you through the truth about level-funding, how we got here, and how ATA has already returned tens of millions of dollars back to Main Street employers… and how you can start winning immediately.

Most brokers want to protect their clients…
but they end up losing good groups because:

• They're unsure where to start
• Level funding sounds “too complicated”
• They think it won't work for smaller groups
• Or they simply weren’t trained in this world

Meanwhile, large carriers are quietly taking tens of millions from small employers through fully insured, and black-box contracts.

You can’t win that game.

But you can win the level-funded game.

Inside Level Funded University, You Will Learn:

⭐ 1. Full Access to Level Funded University Platform

Video lessons, quizzes, downloadable worksheets, real-world training.

⭐ 2. Signed Copy of The Noble Agent’s Guide to Level Funding

Signed by Tom C. Stein Endorsed personally to you.  #1 bestseller in insurance category.

This becomes a credibility tool with clients and prospects.

⭐ 3. Level-Funding Leave-Behinds (Client Education Tools)

Professionally designed materials to help:

• explain level funding
• compare options
• introduce transparency
• show where fully insured hides money

Gives you “the talk track on paper” so you never stumble.

⭐ 4. The Double Doctor Referral System

A repeatable referral engine that:

• eliminates cold calling
• sets up warm introductions
• builds your pipeline automatically
• positions you as a trusted advisor

Used correctly, it’s a career-long referral generator.

⭐ 5. The Forfeited Funds Calculator

Show employers exactly how much fully insured carriers keep from them.

This tool alone closes cases — because it exposes the black box.

⭐ 6. Notes From the Field Newsletter (Monthly)

Real-world updates, wins, case studies, trends, and tactics from hundreds of brokers in the trenches.

You stay informed, sharp, and ahead of the competition.

⭐ 7. The Main Street Hero Rewards Program

When you return surplus to your clients, we celebrate with you:

• $10,000 returned: Signed Boxing Gloves
• $100,000 returned: Main Street Hero Cape
• $1,000,000 returned: Championship Belt
• $5,000,000 returned: Custom Title Bell

These become conversation starters that build authority in your office.

⭐ 8. The Great Life Calculator

Shows you exactly how quickly you can build a:

• $100k income
• $200k income
• $300k income
• even $400k+

based on case size, retention, surplus wins, and deeper service.

LIMITED ENROLLMENT

Enrollment is capped at 50 brokers per month
so we can:

• customize instruction
• ensure proper onboarding
• prepare you before introducing you to world-class General Agents

Once the 50 seats are filled, enrollment closes.

Level funding is growing fast… too fast for brokers to keep up.
You’re competing against:

• Large agencies with internal training
• National brokers with automated funnels
• Digital-first startups backed by venture money

So ATA—the oldest independent TPA/MGU in the space—to create a program that pulls Main Street brokers even with the biggest players.

This isn’t a webinar.
This isn’t a CE course.
This is a career changer.

You might feel:

• “I should've learned this earlier.”
• “I’m losing cases I should be winning.”
• “I don’t want to look stupid in front of clients.”
• “I don’t want to lose accounts I’ve had for years.”

But the truth?

You are one training away from taking those accounts back.

Brokers who understand level funding WIN against brokers who don’t. Full stop.

If you’re tired of losing clients to brokers who don’t serve them like you do… this is your moment.

Now is the time to take action.
Now is the time to join the fight for Main Street.
Now is the time to protect your clients from the Wall Street machine.
Now is the time to step into the next era of your career. 

The 60-Day Completion Guarantee

Do the work.
Complete the program in the first 60 days.
Use the tools.

If you don’t feel:

• confident,
• prepared,
• and fully equipped
  to win level-funded business…

We refund every nickel — and you KEEP everything.

You keep:

• the full LFU course
• the calculators
• the leave-behinds
• the referral system
• the signed & endorsed book
• the newsletter
• the tools
• all worksheets
• all training

If you invest in yourself, we invest in you.

No risk.
No fear.
Just transformation.

 👉 Enroll in Level Funded University Today

“Become a Main Street Maverick”

 Tom C. Stein
CEO, American Trust Administrators
Dean, Level Funded University

Disclaimer: Results are not guaranteed. Level-funded outcomes vary by group experience, plan design, and market conditions. LFU provides education—not legal, financial, or underwriting advice. Earnings examples are illustrative only.  ATA is not responsible for decisions made using this content.

COMPLIANCE & DISCLOSURES

Insurance Licensing Notice:
LFU is an educational program only. You must hold the appropriate state insurance license(s) to sell, quote, or recommend level-funded or self-funded health plans. LFU does not replace state-approved licensing, CE requirements, or carrier certification.

Earnings Disclaimer:
Any income examples or calculator outputs are for illustrative purposes only and do not represent guarantees of performance or results. Actual broker income depends on market conditions, effort, commissions, retention, underwriting, and individual skill.

Level-Funded Plan Risk Notice:
Level-funded and self-funded medical arrangements involve variable claims, financial risk, and regulatory requirements. ATA does not guarantee surplus outcomes, underwriting approvals, savings, or future performance.

Educational Purpose Only:
LFU provides education—not legal, financial, actuarial, or underwriting advice. ATA is not responsible for decisions made using this content. All business decisions are made at the broker’s discretion.

60-Day Proof-of-Work Completion Guarantee:
To request a refund, brokers must complete the LFU core modules, worksheets, and assigned work, use the calculators and tools, and demonstrate a good-faith attempt to apply the training in practice. Proof must be submitted within 60 days of enrollment. Refunds are granted only upon validation of completed work.