Straight Answers

What actually uses a query?

One client screened = one query. Everything you do with that answer afterward is free.

Your 40 monthly queries

Included with membership · resets every billing cycle

1 queryA new client profile. Age, build, health, state, coverage goal — the first time you describe someone.

1 queryA different client typed into the same conversation. Max tells you when this happens — you'll see "New client detected" before the answer.

FreeEvery follow-up on that client. "What about UHL?" · "Compare those two" · "What if the A1C is higher?" — unlimited, forever.

FreeCustom sales scripts for any recommendation Max gives you.

FreeClarifying questions Max asks before it recommends, and your answers to them.

FreeA spouse or second insured in the same household conversation.

Two separate pools. Your 40 included queries reset each billing cycle and are always spent first. Any query packs you buy sit underneath, never expire, and are only touched once the monthly 40 are gone. Your header shows both.

Refer & Earn

Share Max, get months free.

Every member gets a personal link the moment they join. No sign-up, no forms — it's already in your dashboard.

Copy your link

Open the Refer & earn button at the top of Max. Your link is there, ready to copy.

They join through it

Anyone who signs up through your link is tied to you automatically. They enter code MAXREF20 at checkout for their discount.

You both save

When their first payment clears you earn 20% of their first month as credit — or $100 a month if you referred an agency owner. Either way, they get 20% off that first month.

How the credit actually works

Refer an agent and you earn 20% of their first month as account credit. The amount depends on which membership they join:

They join as	Their monthly rate	You earn
Individual member	$119	$23.80 credit, once
Agency team member	$79	$15.80 credit, once

Five referrals at your own rate = one free month. Credit comes off your invoice automatically; you don't claim anything. Your dashboard shows exactly how many more you need.

One free month at a time. If you refer ten people in a month, you don't get five free months in a row — you get one, and the rest stays banked for the months after. Your dashboard shows what applies next and what's waiting.

Referring an agency owner pays differently

$100 a month, recurring — for as long as that owner keeps their license active. It's paid as cash by direct deposit through Stripe Connect, the same way seat overrides are paid, not as account credit.

It replaces the 20% credit for that signup. You get the $100 a month or the one-time credit, not both.

Your friend's 20% applies at checkout on their first month with code MAXREF20. Coupons don't stack — one code per checkout. Credits expire 12 months after they're earned. You can't refer yourself. If a referred member's payment is reversed, the credit is reversed too, and recurring owner payouts stop when that owner's license lapses.

FAQ

Questions worth answering honestly

Getting started

What happens after my 6 free queries?

You'll be asked to join at $119/month — or $79/month if you're under an agency owner with an active Max license — which includes 40 queries every month plus unlimited free follow-ups. Everything you already ran stays in your history. No card is needed for the trial, and one trial is available per email address.

Do I need to know anything about AI?

No. Type the client the way you'd describe them to another agent — "58 year old male, 6 foot, 220 lbs, controlled Type 2 diabetes, wants $25,000 in Texas" — and Max handles it. If something important is missing, it asks.

Can I cancel?

Anytime. Your access runs through the end of the month you've paid for. Any query packs you've bought never expire and stay on your account if you come back.

Queries and billing

Why a membership instead of just buying queries?

Because the queries are the cheap part. What makes Max reliable is that people are actively checking it — reviewing flagged answers, correcting carrier data, and pushing fixes, often the same day an agent reports something. The membership pays for that work. Query packs are still there on top of your monthly 40 whenever you need more.

Do my 40 queries roll over?

No — the included 40 reset each billing cycle. Query packs are different: those never expire. Your monthly queries are always spent first, so a pack you buy sits untouched until the 40 are gone.

What if I run out mid-month?

Follow-ups on cases you've already run stay free, so you can keep working every recommendation you have. For a new client before your reset, query packs start at $15 for 25 and never expire. Packs are available from inside Max to active members.

What if I start a new client in the same conversation?

That counts as a query, and Max says so before the answer — you'll see a "New client detected" note. Follow-ups on that new client are then free like any other. A spouse or second insured in the same household conversation isn't charged separately.

Accuracy

How accurate is it, really?

Max is built on 180+ indexed carrier documents — agent guides, underwriting manuals, build charts, medication grids — transcribed and checked against the source rather than summarized. It's meaningfully more reliable than a cheat sheet, and it tells you when it doesn't have verified data instead of guessing. Underwriting guidelines change, so always confirm with the carrier before you submit.

What if Max gets something wrong?

Flag it with the 👎 button. Our team reviews every report, credits legitimate ones back to your account, and fixes the underlying data — usually the same day. That feedback loop is a large part of why Max keeps getting more accurate, and it's what the membership is really paying for.

Which carriers does Max know?

The core carrier suite most independent final expense, term, and IUL agents write:

American Amicable · Americo · Banner / Legal & General · Corebridge · F&G · Foresters Financial · Mutual of Omaha · SBLI · Transamerica · United Home Life

You can switch off any carrier you're not contracted with, and it disappears from every result.

Referrals

How do I get my referral link?

It's created automatically when you join. Open the Refer & earn button at the top of Max — your link and a copy button are right there, along with what you've earned so far.

When do I actually get the credit?

When the agent you referred makes their first payment — not when they sign up for a trial. The credit then comes off your next invoice automatically. You'll see the referral appear in your dashboard as soon as it's earned.

How much do I earn per referral?

It depends who you refer. An agent earns you 20% of their first month as account credit — $23.80 for an individual member, $15.80 for an agency team member. Five referrals at your own membership rate covers a full month for you. An agency owner is different: you earn $100 a month for as long as their license stays active, paid as cash by direct deposit through Stripe Connect. That replaces the one-time 20% credit for that signup — you get one or the other, not both.

What if I refer a lot of people at once?

You keep earning without limit, but credit is released one month at a time — a maximum of one free month per billing cycle, with the rest banked for the months after. Your dashboard shows both numbers. Credits expire 12 months after they're earned.

Does the person I refer get anything?

Yes — 20% off their first month, applied right at checkout with code MAXREF20. One coupon per checkout, so it can't be combined with other promotions.

Teams and agencies

I write under an agency — can I get a better rate?

If your agency owner holds an active Max license, yes — $79/month instead of $119, same 40 queries and unlimited follow-ups. They'll have a private signup link for their agents. Ask them for it. Joining under an agency means your owner can see your cases in their dashboard, so they can help you faster.

I own an agency. What's different?

An agency license gives you an admin dashboard showing every case your team runs, a carrier lineup configured to your contracts, live onboarding for your agents, a reduced rate for everyone on your roster, and a monthly override on every active team seat. See agency options →