What Our Life Insurance Agents Sell.
Final expense, term, IUL, UL and whole life contracting for solo agents, new agencies, established agencies and healthcare agencies
Our job is to beat your current commission level on final expense, term, IUL, UL and whole life. BetterLifeQuotes.com is an NGA / IMO Hybrid & Distribution Partner that will beat your current commission levels and scale your current practice. We are built to scale four kinds of applicants across every life insurance product, and each one has its own application:
- Solo agents with at least 6 months of continuous life insurance sales and their own lead source: apply as a solo agent.
- New agencies share their agency plan and downline goals on the new agency application, and can recruit agents who do not yet meet the 6-month minimum.
- Established agencies bring their team and book, earn overrides on downline production and apply on the established agency application.
- Healthcare agencies (ACA and Medicare) skip the agent application, cross-sell final expense, term, IUL, UL and whole life, and can also contract Medicare and ACA through our exclusive NGA / IMO partnership on the healthcare agency application.
What every qualified agent and agency gets
- Contracts for final expense, term, IUL, UL and whole life: our job is to beat your current commission level on every one of them.
- A 90% starting commission for solo agents starting out who meet our 6-month minimum requirement, by choosing carriers that pay 90% or more, and up to 157%.
- 13 carriers: Aetna, Transamerica, AIG / Corebridge, American Amicable, American Home Life, Foresters, Royal Neighbors, Aflac, CICA, Liberty Bankers, Mutual of Omaha, GTL and Gerber. Our carriers include carriers that offer final expense, term, IUL, UL and whole life. See each carrier's max commission on the carrier list.
- Back office support (a guided contracting roadmap, a members portal, a carrier resource directory and help with carrier appointments, transfers and contracting questions; sales training, telesales scripts, objection handling, closing strategies, personal coaching and ongoing professional development; an agent management system with production, commission and book-of-business reporting; the CallWave inbound call platform with lead strategy and ROI guidance; and recruiting, training and retention resources for agency growth), across every product we contract.
- No production minimums, no lead purchase requirement and advance payouts on qualifying carriers.
- You own your book of business, renewals and hierarchy, even upon release. Releases are granted and never held for payment.
All the support we offer
Everything below comes with your contract on every product we contract: final expense, term, IUL, UL and whole life. Training is limited to agents who meet our minimum requirements and the new agents recruited by them or by a new, established or healthcare agency.
Carrier access and streamlined contracting
- Simplified onboarding: register and get immediate access to a guided contracting roadmap that walks you through the onboarding process.
- Dedicated members portal: once contracting is complete, you unlock the full members portal, with centralized access to the tools, training and resources you need to succeed.
- Carrier resource directory: carrier-specific training materials, contact information, department emails and phone numbers for service and support needs.
- Contracting support: help with carrier appointments, transfers and contracting questions.
Agent training and development
- Comprehensive sales training on every product for qualifying agents and the new agents recruited under them.
- Proven telesales scripts, objection-handling techniques and closing strategies.
- Personalized coaching and ongoing professional development.
Agent management system
- Simple and easy to use: a straightforward system focused on the essential tools agents and agencies need to manage their book of business, without unnecessary bells and whistles.
- Production and agent management: agency management tools to monitor production, track performance and manage agent relationships.
- Commission and book-of-business reporting: commission reporting and book-of-business management.
CallWave inbound call platform
- Comprehensive inbound calls: adjust inbound call specifications to suit your preferences and business needs.
- Lead strategy and ROI: guidance on lead strategies, conversion optimization and maximizing return on investment.
Support for agency growth
- Recruiting, training and retention resources to help agencies build productive, sustainable teams.
Leads are not included. Agents bring their own lead source.
Minimum requirements for solo agents
An active life insurance license in good standing, at least 6 months of continuous life insurance sales, your own E&O, current AML certification, a clean background with no outstanding carrier or upline debt, an appointment with at least 1 carrier, a 13-month persistency of 70% or better (or a placement ratio of 70% or better), and your own lead source and tools. Direct applications only: we do not work with recruiters.
BetterLifeQuotes.com is an NGA / IMO Hybrid & Distribution Partner that will beat your current commission levels and scale your current practice across final expense, term, IUL, UL and whole life. As an independent life insurance agent or agency builder, get contracted with the carriers your clients actually qualify for across final expense, term, IUL, UL and whole life, with up to 157%. Solo agents with at least 6 months of continuous sales who meet our minimum requirements start at a 90% commission at contracting. You own your book and you set your own pace. Click any link below to see the lineup. Ready to plug in? Apply now.
Independent Life Insurance Agent: Be Your Own Boss, Grow Your Book and Business
Get a 90% starting commission for solo agents starting out who meet our 6-month minimum requirement, up to 157%, and advance payouts on qualifying carriers. No production minimums. No upline manipulation. No micromanagement. You own your book of business across final expense, term, IUL, UL and whole life. Independent, non-captive contracting: agents, new agencies, established agencies and healthcare agencies own their book of business, renewals and hierarchy, even upon release, and releases are granted. Solo agents need at least 6 months of continuous sales and their own leads; new agents join through a qualifying agent or agency and get training, along with back office support (a guided contracting roadmap, a members portal, a carrier resource directory and help with carrier appointments, transfers and contracting questions), an agent management system with production, commission and book-of-business reporting, the CallWave inbound call platform with lead strategy and ROI guidance, and recruiting, training and retention resources for agency growth.
Top Final Expense Carriers in Your Lineup
Aetna
Final expense whole life with level, graded and Super Preferred options.
Final expense carrier
AIG / Corebridge Financial
Simplified issue whole life (SIWL) and guaranteed issue whole life (GIWL) for final expense.
Dial: 800-448-2542
Liberty Bankers Life
SIMPL final expense whole life, designed for final expense sales.
Dial: 800-731-4300
American Amicable
Final expense whole life with simplified issue
and graded options.
Final expense carrier
Transamerica
Final expense whole life with immediate and graded options. Dial: 800-638-8428
Foresters Financial
Fraternal benefit society offering PlanRight final expense whole life with member benefits included.
Dial: 800-828-1540
Royal Neighbors of America
Fraternal benefit society offering simplified issue, graded and guaranteed issue final expense with member benefits included. Dial: 309-788-4561
Mutual of Omaha
Living Promise final expense whole life with level and graded benefits. Dial: 800-775-6000