Help families get covered
Talk with people who want life insurance, help them compare options from multiple carriers, submit applications, and follow up so policies stay in place.
Become a licensed independent life-insurance agent, learn inside an active Schaumburg sales environment or build virtually, and develop a professional skill set in sales, communication, client service, and business management.
No previous insurance experience or college degree required. Agents are compensated through carrier-paid commissions on eligible issued business rather than a guaranteed hourly wage.
Talk with people who want life insurance, help them compare options from multiple carriers, submit applications, and follow up so policies stay in place.
Agents are independent contractors — you manage your schedule, activity, expenses, and taxes, with training and coaching behind you.
Carrier-paid commissions with carrier contract rates up to 145% (availability and rates vary by carrier, contract, and approval — not a guaranteed level), plus monthly bonus opportunities for qualifying agents. See how compensation works →
Read the opportunity, then start licensing — or text Nick with any question first.
Nick works full-time from an office in Schaumburg, Illinois. New agents can learn there — live coaching on calls and applications, real sales conversations daily, experienced agents to practice with — or build virtually from home with the discipline and workspace to match.
A structured path to your Illinois license, with a private study portal: lessons, flashcards, and timed practice exams.
Script practice, call review, weekly progress check-ins — in person or virtual.
Communication, needs analysis, follow-up, time management, client service — professional sales experience you keep for life.
About the opportunity, licensing, or your next step — Nick answers texts fastest.
The license allows you to enter the industry. The larger opportunity is developing the communication, sales, follow-up, underwriting, and business-management skills needed to serve clients consistently.
Work as a non-captive independent agent with access to multiple carriers where properly appointed — match clients to options, not one product.
Training from producing agents at no cost — plus live coaching, call practice, and application & underwriting help from the team.
A private licensing roadmap and study portal: lessons, flashcards, timed practice exams, and progress tracking.
Learn in the Schaumburg office around experienced producers, or build by phone and telesales from home.
Qualifying agents can pursue monthly personal and team production bonuses on top of commissions.
Develop leadership skills and, over time, the option to build and coach a team of your own.
Licensing is five steps: prelicensing course → exams → license → contracting → onboarding.
This is an independent-contractor sales opportunity: you help families protect what matters, working with multiple insurance carriers as an independent broker where appointed, with structured training behind you.
Independent life-insurance agents are generally paid commissions directly by insurance carriers on eligible policies that are issued and paid. Compensation varies by carrier, product, individual contract, placement, persistency, and other factors.
Commission is generally based on a percentage of the policy's annual premium and is paid according to the applicable carrier contract and advance schedule — directly from the carrier.
Carrier contract rates up to 145%.
Availability and actual contract rates vary by carrier, product, individual contract, qualifications, and approval. This does not represent a guaranteed starting level or guaranteed earnings.
FFL pays monthly performance-related bonuses based on qualifying personal and team production. Qualification requirements and bonus amounts may change, and not every agent should expect to receive a bonus.
FFL's current public agent information states agents are 100% vested from day one — meaning you retain eligible renewal interests on business you write, subject to applicable carrier agreements and requirements.
The opportunity offers performance-based compensation rather than a fixed wage, but results vary and commissions can be affected by placement, persistency, expenses, taxes, and chargebacks.
You help a client apply; the annual premium is what they pay per year for coverage.
Placement is the share of submitted business that actually gets issued and paid — quality applications place better.
Based on your carrier contract rate — the percentage your individual contract pays on eligible premium.
Many carriers pay part of the first-year commission up front (an advance). Advanced commission becomes fully earned as the client keeps paying.
Persistency means policies staying in force. If a policy cancels early, unearned advance can be charged back — great client service protects your income.
Eligible renewal commissions on continuing policies are paid according to carrier terms — and with FFL's current vesting, they're yours from day one.
Contract levels are reviewed individually and can vary by experience, licensing, training progress, work plan, carrier, product, and agency approval. Nick will review the current structure directly with each prospective agent before contracting.
Neither is automatically better — they're different trades. Here's the structural difference, stated plainly:
One trades predictability for autonomy and responsibility. The right fit depends on the person — which is exactly what the fit check on the homepage is for.
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.
The state-approved course plus the required classroom/webinar component.
Scheduled through Pearson VUE. Official passing score: 70 (0–100 reporting scale).
Filed through NIPR after your exam results are processed.
Get contracted and complete each carrier's requirements.
Products, scripts, client conversations, and your first weeks in the business.
Request portal access — licensing resources, study support, progress tracking, and agent onboarding.
This opens a text to Nick with your details — he'll reply with your portal invite. Not an employment application.