Life & Wealth

The Product Every Family Needs — and Most Don't Have

Term, whole, and universal life from top-rated carriers. High commissions, universal market, year-round sales with no enrollment periods.

Get Started — Apply Now

Family at home protected by life insurance coverage

Term Life

Pure protection for a defined period — 10, 20, or 30 years. The most affordable way for families to secure a large death benefit and replace lost income.

Who it's for: young families, mortgage holders, and anyone needing maximum coverage at the lowest monthly cost.

✓ Strong Year 1 Commission

Whole Life

Permanent coverage that never expires, paired with a guaranteed cash value component that grows tax-deferred over time. Clients build equity while their family stays protected for life.

Appeals to clients who want lifetime guarantees, estate planning, or a tax-advantaged savings vehicle alongside their coverage.

✓ Higher Commission — Premium Product

Universal Life / IUL

Flexible premium structure with adjustable death benefits. Indexed Universal Life (IUL) links cash value growth to a market index — offering upside potential with downside floor protection.

Top product for wealth-building conversations. Clients get flexible payments and market-linked growth without direct market risk.

✓ High Commission — Growth Product

70–120%

Year 1 Commission

No enrollment windows — sell any time of year
Universal market — virtually every adult qualifies
Renewal commissions for the life of the policy
Multiple product tiers to match any budget
Top-rated carriers with fast underwriting

The Highest-Commission Product in Your Portfolio

Life insurance stands apart from every other product line — no open enrollment, no age restrictions, and commissions that can reach 120% of first-year premium. Once you write a policy, renewals keep paying for years.

✓ Earn 70–120% commission on Year 1 premium
✓ Sell year-round with no enrollment blackout periods
✓ Cross-sell into nearly every existing client relationship
✓ Whole life and IUL renewals generate residual income for years
✓ Carrier support and simplified issue options available
✓ No cap on how many policies you can write

Parents and children representing life insurance beneficiaries

Who Needs Life Insurance?

The answer is almost everyone — which makes life insurance the most universally applicable product in your lineup. Whether you're talking to a new client or following up with an existing one, life insurance belongs in every conversation.

Families Business Owners Parents Graduates Retirees