Independent Life Insurance Sales · Schaumburg, IL & Virtual

Build a Sales Career Without a College Degree

Become a licensed independent life-insurance agent, learn inside an active Schaumburg sales environment or build virtually from home, and develop a skill set with commission-based income potential.

No previous insurance experience is required. Licensing, training, consistent activity, and a willingness to improve are required.

Explore the Opportunity See How Commissions Work Start Licensing Talk to Nick
01 Licensed career path02 Office or virtual 03 Commission-based04 Training & structure provided
WHAT THIS IS

Understand it in thirty seconds

What you'd actually do

Talk with people who want life insurance, help them compare options from multiple carriers, submit applications, and follow up so policies stay in place.

How you're paid

Commission from carriers on issued and paid policies — no fixed hourly income ceiling, and no guaranteed paycheck. Production drives gross commission potential.

What it requires

A state insurance license (we give you the roadmap), coachability, consistent activity, and treating it like a business — you're an independent contractor.

Your next step

Read The Opportunity, run the commission calculator, then start licensing or text Nick.

THE ENVIRONMENT

Grow Around People Already Doing the Work

Nick works full-time from an office in Schaumburg, Illinois. New agents can plug into that environment instead of figuring everything out alone — hear real sales conversations, practice with experienced agents, get immediate help with applications and underwriting, and build habits around proven producers who take production seriously.

Live coaching

Immediate help on calls, objections, and applications — not a recorded course you watch alone.

Real examples

Agents producing at different levels, working toward real goals, showing you what the work looks like.

Or build virtually

Prefer home? Phone-based and virtual sales are a real option — see the Opportunity page.

FIT CHECK

Is this for you?

Likely a fit if you…

  • Are coachable and willing to study for a license
  • Can talk to people — or genuinely want to learn
  • Want pay connected to production, not a wage cap
  • Can handle rejection and keep working
  • Will treat it like a business, including expenses and taxes

Probably not a fit if you…

  • Need guaranteed hourly income right now
  • Don't want to get licensed or contact prospects
  • Expect results without practice and follow-up
  • Are uncomfortable with commission-based pay
FROM NICK

Why I built this team

My story

[Nick: why you entered the industry, what you've learned, why sales is a skill worth building]

What I offer & expect

[Nick: why multiple carriers matter, the support you provide, and what you expect from agents who join]

💬

Have a question? Text Nick

Text Nick anytime you have a question about licensing, testing, or your next step.

630-449-9430
THE OPPORTUNITY

A Full-Time Sales Career Without a College Degree Requirement

You do not need previous insurance experience or a college degree to begin. You need to obtain your license, be coachable, learn the sales process, and consistently put in the activity required to improve.

This is a full-time, commission-based insurance sales career and independent-contractor business opportunity. In plain terms: you talk with people who want life insurance, help them compare options from multiple carriers, submit applications, and take care of your clients so policies stay in place.

Not required

  • Previous insurance experience
  • Previous sales experience
  • A college degree

Required

  • A state insurance license
  • Coachability and willingness to learn
  • Consistent conversations with potential clients
  • Following a proven process

Provided

  • Licensing roadmap and study support
  • Training and sales structure
  • Coaching and application help
  • Access to multiple carriers

Compensation is commission-based. It is not capped by an hourly wage or fixed salary — and it is not guaranteed. Results depend on your production, skill, consistency, placement, and persistency.

THE STRUCTURE

You're an independent contractor — that cuts both ways

More control

  • More control over your schedule and business
  • No fixed hourly income ceiling
  • Greater production can create greater gross commission potential
  • Improve your sales ability, raise your income potential

More responsibility

  • You own your activity, expenses, taxes, and results
  • Gross commissions are reduced by lead costs, cancellations, chargebacks, and business costs
  • Contract level, carrier, product, placement, and persistency affect what you keep
  • No guaranteed paycheck — early income can be inconsistent
TWO WAYS TO BUILD

Build in the Office or Work Virtually

Availability, expectations, licensing, carrier rules, and team structure may affect your options — and neither path is passive or effortless.

Work from the Schaumburg office

  • In-person environment with immediate help
  • Live coaching on calls, objections, and applications
  • Learn around experienced agents and proven producers
  • Hear real sales conversations daily
  • Stronger structure and accountability
  • Build relationships with other agents

Build virtually from home

  • Phone-based or virtual sales
  • Home office with geographic flexibility
  • Virtual training and communication
  • Digital applications and client appointments
  • More personal schedule responsibility
  • Requires discipline and a quiet, professional workspace
See How Commissions Work Start Licensing
HOW COMMISSIONS WORK

Carriers pay commission on issued, paid policies

Your contract sets a commission rate. When a policy is issued and paid, the carrier pays you — often advancing part of the first-year commission. There's no hourly ceiling, but gross commission is affected by lead costs, placement, cancellations, chargebacks, taxes, contract level, carrier, product, and persistency.

What Could the Numbers Look Like?

Educational and hypothetical — not a prediction or an earnings guarantee.

A traditional job

Commission example (simple)

Advanced assumptions

Illustrative result

All figures are illustrative and hypothetical. Actual results depend on your agent contract, carrier, product, client premium, placement, persistency, advance schedule, lead costs, chargebacks, taxes, business expenses, work activity, sales ability, and market conditions. The final figure is an illustrative amount after selected business assumptions — it is not "income" and it is not guaranteed.
HYPOTHETICAL STAGES

How the math changes as skill and activity grow

Three hypothetical examples — not typical, average, or promised results. Every value is a configurable assumption.

BROKER VS. JOB

Two structures. Different trades.

Commission work is not automatically better than a job — it trades predictability for upside, and security for responsibility.

Traditional hourly / salaried work

  • Predetermined pay, connected mostly to hours worked
  • More predictable; may include employee benefits
  • Limited by the wage or salary assigned to the position
  • Less connected to your individual production

Independent commission business

  • Compensation connected to issued production
  • No fixed hourly income ceiling — and no guarantee
  • Can grow as skill and activity improve
  • Reduced by expenses, taxes, cancellations, and chargebacks
  • More flexibility, more personal responsibility

A job pays a predetermined amount for your time. A commission business offers higher potential upside in exchange for greater risk, responsibility, and inconsistency.

FAQ

Straight answers

Is this a job with a salary?
No. Agents are independent contractors, not employees — no salary, hourly wage, or employee benefits. Compensation is commission paid by carriers on issued and paid policies.
Is income guaranteed?
No. Results depend on licensing, activity, skill, lead costs, placement, persistency, and contract level. The opportunity is real for someone willing to learn and work — but no outcome is promised.
Do I need experience or a degree?
No insurance experience, sales experience, or college degree is required. You do need a state insurance license, coachability, and consistent activity.
Do I have to work from the Schaumburg office?
No — you can build virtually from home with discipline and a professional workspace. That said, learning around experienced agents and proven producers in Schaumburg gives most new agents faster feedback, live coaching, and stronger habits.
What does the exam cost?
What score do I need to pass?
The official passing score is 70. Pearson reports examination scores from 0 to 100 — a 70 is passing, but it should not automatically be interpreted as answering exactly 70% of the questions correctly. Our team recommendation is to score 80%+ on practice exams first — a readiness goal, not the official requirement.
What if I don't pass a section?
If you do not pass one section, you may schedule that section again. A new examination fee applies. Pearson currently requires candidates to wait 24 hours before making a new test-center reexamination reservation, and both the General and State examinations must be passed within 90 days of each other. Verify current Pearson and Illinois rules in the candidate handbook before scheduling.
What is a chargeback?
If a client stops paying premiums early, the carrier can require repayment of unearned advanced commission. This is why persistency matters and why smart agents keep a reserve.
Who would I be working with?
Nick's team, which operates within Family First Life — an insurance marketing organization (IMO) providing access to multiple carrier relationships, training, and structure. Carriers issue the policies and pay the commissions. Contract levels, products, and support vary.
💬

Still have a question? Text Nick

Text Nick anytime you have a question about licensing, testing, or your next step.

630-449-9430
START LICENSING

The path is short. The work is yours.

The full Illinois path at a glance. Committed recruits get the detailed roadmap — with course, webinar, exam, and application links plus saved progress — inside the recruit portal.

Complete approved Illinois prelicensing education

The state-approved XCEL course plus the required classroom/webinar component.

Pass the General and Illinois State examinations

Scheduled through Pearson VUE. Official passing score: 70 (0–100 reporting scale).

Submit the Illinois license application

Filed through NIPR after your exam results are processed.

Complete carrier contracting and required training

Get contracted and complete each carrier's requirements.

Begin agent onboarding

Products, scripts, leads, CRM, and your first weeks in the business.

💬

Not sure where to start? Text Nick

Text Nick anytime you have a question about licensing, testing, or your next step.

630-449-9430
Official passing score: 70. Pearson reports examination scores from 0 to 100. A score of 70 is passing, but it should not automatically be interpreted as answering exactly 70% of the questions correctly.
Retakes: if you do not pass one section, you may schedule that section again — a new examination fee applies. Pearson currently requires a 24-hour wait before a new test-center reexamination reservation, and both sections must be passed within 90 days of each other. Verify current rules in the candidate handbook.

Begin the Licensing Roadmap

Request portal access — licensing resources, study support, progress tracking, and agent onboarding.

This requests a conversation and portal invite — it's not an employment application.

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