The opportunity
Your territory, your book, your hours after five.
This is a commission-based independent contractor role, not a salaried job. Here is exactly how the money, the leads, and the advancement work.
Compensation
Submit today, advanced tonight.
Top commissions with up to 75% advanced on submission of applications. Advance commissions are paid Monday through Friday, excluding holidays.
Starting contracts pay residual income for ten years. Management contracts pay lifetime renewals. Pay-thru begins the first month a client makes their second payment — not nine months later.
As your front-end contract increases, so does the back end. The company average policy is $45–$50 a month.
Top agents, MGAs, and directors are earning from $100,000 to $1,000,000 annually.
What you get
Support the firm has built over four decades.
Same-day advances
Top commissions, up to 75% advances on submission of applications. Advance commissions are paid Monday through Friday, excluding holidays.
No lead cost up front
Leads are financed based on production. Direct mail, inserts, cable TV, and digital — transferred to your Lincoln Heritage lead account with no up-front charge, repaid as a small percentage of new business income.
Exclusive, local leads
Company lead program with no outside lead vendor. Direct mail exclusive leads, Funeral Advantage TV leads, 60-day duplicate prevention, and a pre-approach letter with every lead.
Residual income
Starting contracts pay residual income for 10 years; management contracts pay lifetime renewals. Pay-thru begins the first month a client makes their second payment.
Group health and dental
Available to agents and their families, subject to qualifying production requirements.
Management track
Producers who follow the system can begin building an organization within six months to a year.
Incentive trips
All-expense-paid trips and conventions awarded to contest winners.
Bilingual desk
Spanish-language policies, marketing brochures, service forms, and home-office staff. Spanish leads available in most states. Bilingual agents are urged to apply.
Leads
Leads are the lifeline. You don’t pay for them up front.
Lead financing means leads are transferred into your Lincoln Heritage Life Insurance Company lead account with no up-front charge. When you start submitting business, a small percentage of your new business income pays them back.
The stated goal of the referral system is to keep 500 leads available at all times.
- Company lead program — no outside lead vendor
- Direct mail exclusive leads
- Funeral Advantage exclusive TV leads
- Digital and insert leads
- 60-day direct mail duplicate prevention
- A pre-approach letter goes out with every lead
- Target demographic is 40–85
Straight talk
This is not a fit for everyone.
The firm is direct about what it expects, and we’d rather you know before you fill anything out.
I’m in — request an interview- State life insurance license (or willingness to obtain one)
- Committed full-time — 40 to 50 hours a week
- Available to work after 5:00 PM
- Willing to drive 60–120 miles to make sales
- Outside sales — presentations in prospects’ homes
- Willing to work our lead system exclusively
- Follow the training program
Advancement
Produce first. Then build an organization.
Management is open to producers who prove they can write business themselves, follow the system, and carry the right attitude. Once that’s established, you may start building your organization within six months to a year. Ask about the management track when you interview.