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Own your book
If you left tomorrow, would the clients you wrote stay yours to service?
Independent opportunity
You write as an independent contractor and the book you build is yours to service, grow and pass on, subject to each carrier's agreement.
Multiple carriers
How many carriers can you actually quote on a single case?
Independent opportunity
Independent access to 60+ U.S. carriers across life, IUL, whole life, annuities, final expense and mortgage protection.
Agency ownership
Can you build your own agency under your own name, at your own pace?
Independent opportunity
You can stay a solo producer, or build and lead your own agency — the choice is yours and can change later.
Ownership / equity programs
Is there anything you build that has value beyond this month's commission?
Independent opportunity
Qualifying agency builders can access ownership and equity programs on top of commissions, subject to current program terms and qualification.
Compensation transparency
Do you know your exact contract level and how you move up?
Independent opportunity
A published contract grid with defined promotion levels for personal production, plus override levels if you build an agency.
Training and mentorship
Did anyone sit in on your first appointments with you?
Independent opportunity
Live and recorded training, scripts, product training and field mentorship on real appointments.
Technology
Do you get quoting, e-app, e-sign and CRM, or your own spreadsheets?
Independent opportunity
Quoting and comparison tools, e-application and e-signature, and a CRM/automation stack.
Lead resources
Are you handed a way to find clients, or told to work your warm market only?
Independent opportunity
Lead programs, referral and warm-market systems, and training on how to build a repeatable pipeline.
Legacy / renewals
Does in-force business keep paying you, and can it pass to family?
Independent opportunity
Renewal and service commissions on business that stays in force, with legacy provisions subject to current program terms.
Freedom to run other licenses
Are you allowed to also hold a real estate or mortgage license?
Independent opportunity
You are an independent contractor and can run life insurance alongside real estate, mortgage or other verticals.
Answer the questions above for your own situation — nothing is sent anywhere and nothing is stored until you choose to submit a review.
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Important: This site describes an independent contractor business opportunity in insurance and financial services. Commission levels, override percentages and any income figures shown are illustrations of the published contract structure, not a promise, guarantee or projection of what you will earn. Actual commissions vary by carrier, product, state, contract level and personal production, and most of what you earn depends on your own sales activity. Nothing here is an offer of employment, a salary, a securities offering or individualized financial, tax or legal advice. You must hold the applicable state license and carrier appointments before selling any insurance product.
- As with any business, your results may vary and will be based on your individual capacity, experience, expertise and level of desire. There are no guarantees concerning the level of success you may experience. Any figures or examples shown are illustrations and are not a representation that anyone will achieve the same or similar results.
- Agents are independent contractors, not employees. There is no salary, no W-2 and no guaranteed income; you are paid commissions on the business you personally write and overrides on the business your team writes.
- Commission and override percentages on this site reflect the published USA contract grid. Carrier and product grid factors vary (roughly 90% of chart on average), so real payouts differ from the illustration.
- Calculator results are arithmetic on the numbers you type in. They are illustrations, not projections, quotes or guarantees of income.
- No fee is charged for the Expert Financial Analysis, for using this site, or for being interviewed. Standard agency technology/platform fees and your own state licensing and exam costs are disclosed to you before you contract.
- Recruiting is optional. The personal producer track grows to the top personal contract level with no team and no recruiting requirement.
- You must be at least 18, complete your state's pre-licensing requirement where applicable, pass the state exam and clear a background check before you can be appointed and sell.