Explore your options
For independent life insurance agents who want more carriers and a higher contract
Ask your questions privately
Tell us where you are and Anil comes back to you personally. No cost, no obligation, and a $299 → $30 pre-licensing course code if you still need your license.
Five questions
Answer these about your own situation
01
Are you at the contract level your production actually justifies?
02
How many carriers can you place a rated or complex case with?
03
Do you have quoting, e-app, e-sign and CRM, or are you stitching it together yourself?
04
Is there a written path if you decide to build an agency rather than produce alone?
05
Does anything you are building have transferable value beyond this month's commissions?
What the independent side looks like
No pitch, just the structure
Producer or builder — your call
You can grow on personal production alone with no recruiting requirement, or build your own agency and earn overrides. Nobody makes that choice for you.
Independent access to 60+ U.S. carriers
Term, whole life, IUL, annuities, final expense, mortgage protection and rollover strategies — so a rated client or an annuity case does not have to walk away.
Independent contractor, not an employee
No salary, no W-2 and no guaranteed income — you are paid commissions on what you write, and you run your business on your schedule and alongside other licenses if you hold them.
Training, mentorship and a technology stack
Live and recorded training, scripts, field mentorship on real appointments, quoting, e-application and e-signature, plus CRM and lead programs.
Before you make any move
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.