Apply as a Just Licensed Life Insurance Agent
Newly licensed? Every new agent starts at a 100% commission at contracting on final expense, term, IUL, UL and whole life, with 14 carriers, through an NGA / IMO Hybrid & Distribution Partner. You own your book, renewals and hierarchy, even upon release. No production requirements and no required lead purchase.
We now have Ethos! 14 carriers are available today, with Fidelity & Guaranty (F&G), InstaBrain, National Life Group and Symetra on the way.
Inbound final expense calls from $25.00. Inbound final expense calls are available starting at $25.00 per inbound call. It is an option on the table for you, and there is no requirement to buy them.
Already have 6+ months of continuous sales? Apply as a solo agent: our job is to beat your current commission levels, and your commission is guaranteed to be more than 100%.
Ready to Apply as a Just Licensed Agent?
DIRECT APPLICATIONS ONLY
Direct to us. No recruiters. No middlemen.
Every life insurance agent we contract works with BetterLifeQuotes.com directly. That’s how we protect your compensation, your book of business, and your personal information from day one.
Please be aware: recruiter fraud
Some recruiting and referral services engage in suspicious or fraudulent activity, including contacting life insurance agents while claiming to recruit for, represent, or be affiliated with BetterLifeQuotes.com. We are not affiliated with any recruiter, recruiting service, or third-party referral service, and we do not accept agents from recruiters of any kind.
Our Direct Application Policy
No recruiter, recruiting service, or third-party referral service is authorized to represent BetterLifeQuotes.com, recruit on its behalf, or promote or use the BetterLifeQuotes.com name, brand, or contracting information in any way, including as part of its own services.
We will not accept, process, or pay on any agent referral or onboarding submission from a third-party recruiter.
Applications are accepted only when submitted directly by the agent through the form on this page.
If we learn an application came through a recruiter or third-party referral source, it will not be accepted, and any resulting contract may be terminated.
Protect yourself
Apply only through this page on betterlifequotes.com.
Never pay a recruiter or third party to get you contracted with us, and never share your Social Security number, banking details, or license documents with anyone claiming to represent us.
If a recruiter or referral service uses our name to contact you, please report it to us using the contact details in our Terms.
Found us on your own? You’re exactly who we want to hear from. Complete the application and we’ll follow up with you directly.
Legal Notice: BetterLifeQuotes.com is not affiliated with, and has not authorized, engaged, or appointed, any recruiter, recruiting service, marketing organization, lead or referral service, or other third party to recruit, solicit, or onboard agents on its behalf, or to promote, advertise, or use its name, trademarks, logos, branding, or contracting information as part of any service. Any person or entity claiming otherwise is acting without authorization, and BetterLifeQuotes.com disclaims all responsibility for their statements, promises, and conduct. No compensation, fee, override, bonus, or other consideration of any kind will be accepted, processed, or paid on any application, referral, or onboarding submission originating from a recruiter or third-party referral source. This applies to every recruiter and referral source. By submitting an application, you represent and warrant that you were not contacted, solicited, recruited, or referred to BetterLifeQuotes.com by any such party. Any misrepresentation may result in denial of your application or termination of any resulting agreement. BetterLifeQuotes.com reserves all rights and remedies available at law or in equity, including with respect to the unauthorized use of its name and marks. See Section 26 of our Terms.
Newly licensed agents
Just Licensed Life Insurance Agent Contracting: 100% Starting Commission
BetterLifeQuotes.com is an NGA / IMO Hybrid & Distribution Partner for final expense, term, IUL, UL and whole life. Every new agent starts at a 100% commission at contracting, by choosing carriers that pay 100% or more, with up to 157% across our carrier list. Not every carrier pays 100%.
The short answer: a newly licensed life insurance agent can contract with BetterLifeQuotes.com directly through this application and start at a 100% commission. You do not need 6 months of sales history to apply here, and inbound final expense calls are available starting at $25.00 per inbound call if you want them, with no requirement to buy.
Who this application is for
- Newly licensed agents with an active life insurance license in good standing
- Agents with less than 6 months of continuous life insurance sales
- Agents applying directly, never through a recruiter
What you get
- A 100% starting commission at contracting, with up to 157% across our carrier list
- 14 carriers, now including Ethos, with Fidelity & Guaranty (F&G), InstaBrain, National Life Group and Symetra on the way
- Optional inbound final expense calls starting at $25.00 per inbound call
- Final expense, term, IUL, UL and whole life on one contract
- You own your book, renewals and hierarchy, even upon release
What the application asks
- Your NPN, resident state and the states where you are licensed
- When you were licensed and your sales experience so far
- The products you want to sell
- Where you stand on E&O coverage and AML certification
- Whether you want inbound final expense calls
- A background and carrier debt disclosure
How it works
1. Submit the application above with your NPN and licensed states.
2. We verify your license through NIPR and review your application.
3. You get contracted and appointed with the carriers you choose, starting at a 100% commission.
4. Start writing, and add inbound final expense calls from $25.00 per call if you want them.
Just Licensed Agent FAQ
What commission does a newly licensed life insurance agent start at?
Every new agent starts at a 100% commission at contracting, by choosing carriers that pay 100% or more, with up to 157% across our carrier list. Not every carrier pays 100%, and each carrier's max level is on our carrier list.
Can a newly licensed agent apply without sales experience?
Yes. This Just Licensed Agent application is for newly licensed agents and agents with less than 6 months of continuous life insurance sales. Agents with 6 months or more apply as a solo agent, where commission is guaranteed to be more than 100%.
Do I have to buy leads or inbound calls?
No. Inbound final expense calls are available starting at $25.00 per inbound call. It is an option on the table for you, and there is no requirement to buy them.
Which carriers can a just licensed agent get appointed with?
14 carriers: Aetna, Transamerica, AIG / Corebridge, American Amicable, American Home Life, Foresters, Royal Neighbors, Aflac, CICA, Liberty Bankers, Mutual of Omaha, GTL, Gerber and Ethos. We now have Ethos, and Fidelity & Guaranty (F&G), InstaBrain, National Life Group and Symetra are on the way. Carrier availability varies by state and is subject to carrier approval.
What products can a just licensed agent sell?
Final expense, term life, indexed universal life (IUL), universal life (UL) and whole life.
Do I own my book of business?
Yes. You own your book of business, renewals and hierarchy, even upon release, and releases are granted as long as there is no outstanding debt to the carrier.
Can I apply through a recruiter?
No. Applications are accepted only directly from the agent through this website, never through recruiters or third-party referral services.
Direct applications only
We contract newly licensed agents directly. Applications that come through a recruiter, recruiting service or third-party referral source are not accepted. Carrier availability, products and commission levels vary by state and are subject to carrier approval.