Two weeks of setup. Then the phones.
Here's exactly what happens between applying and your first live call.
Apply, then book your interview
Answer every question, then pick a time for a quick phone interview right away. Licensed agents only.
Contracts and orientation
Carrier appointments, CRM access and orientation. No calls yet.
Finish onboarding
Additional training plus the self-guided Agent Bible: scripts, quoting, underwriting and post-sale.
Set your volume and go live
Pick a call package, buy your calls at least a day before you go live, and start closing.
Check every box.
- Active life and health license
- Licensed in at least 10 states. Calls run in all 50.
- Eligible with at least 3 of our carriers, including 1 Tier 1. Tier 1: Mutual of Omaha, Transamerica, Americo. Tier 2: Fidelity Life, Ethos, Corebridge, American Amicable.
- Full time: Monday–Friday, 9am–8pm ET.
- A closer's mindset.
Straight answers
Will I ever have to cold call?
No. Every inbound call comes from someone who already asked about coverage. No need to purchase or dial outbound leads.
How do I get paid?
You're paid on a 9-month advance, with monthly producer bonuses and a comp ladder that rises with production. Limitless starts at 80%, and months 10–12 are paid too. Spark is in person only, at our Tampa office: 55% on free calls, 70% on Spark+ or 80% on Spark X. See Programs.
What do leads cost?
On Spark, nothing: Eterna covers your calls for up to 90 days. Spark+ is $625 for 50 calls. On Limitless and Spark X it's $20 per live inbound call: $500 for 25 calls or $1,000 for 50.
What happens to my book of business?
Under our initial producer agreement, Eterna will sell your book of business back to you for $0.
What states do I need?
Calls run in all 50 states. You'll need to be licensed in at least 10 of them. Can't pay for all your states up front? We offer Klarna, so you can pay monthly.
Can I join if I'm not licensed yet?
Not yet. We only interview licensed agents. Get licensed through us, then apply once you have your license.
Is this full time?
Yes. Inbound hours are Monday–Friday, 9am–8pm ET, with optional Saturday call days.
Ready for week one?
Apply in two minutes, then book your interview.
Not licensed yet? Get licensed through us first.