Question 1

Do I need a life insurance license to join?

Accepted Answer

No, you do not need to be licensed when you apply. However, you will need to obtain your life insurance license to begin serving families. We provide guidance and support throughout the licensing process, and many states offer online courses that can be completed in 2-4 weeks.

Question 2

How long does it take to get licensed?

Accepted Answer

The licensing timeline varies by state, but most agents complete the process in 2-4 weeks. This includes completing your pre-licensing course, passing the state exam, and submitting your application. We provide step-by-step guidance to help you get licensed quickly.

Question 3

How much does it cost to get licensed?

Accepted Answer

Licensing costs vary by state but typically range from $200-$500. This includes the pre-licensing course, exam fees, and application fees. Some states may have additional background check fees. We can provide specific cost breakdowns for your state.

Question 4

What states can I sell in?

Accepted Answer

You can sell in any state where you hold an active insurance license. Many agents start with their home state and then obtain licenses in additional states as their business grows. We support agents in obtaining multi-state licensing.

Question 5

How much can I earn?

Accepted Answer

Your income potential is unlimited and based entirely on your effort and performance. New agents typically earn $3,000-$5,000 per month in their first 90 days. Top performers earn six figures annually. We offer high commission rates, bonuses, and residual income opportunities.

Question 6

How do commissions work?

Accepted Answer

You earn commissions on every instrument you place. Commission rates vary by instrument type but are highly competitive. You receive upfront commissions when instruments are issued, plus ongoing residual income on certain products. We also offer performance bonuses and team override opportunities.

Question 7

When do I get paid?

Accepted Answer

Commissions are typically paid within 2-4 weeks after an instrument is issued and the first contribution is collected. Payment schedules may vary slightly by carrier. You will receive detailed commission statements and have access to track your earnings in real-time.

Question 8

Are there any fees or costs to join?

Accepted Answer

There are minimal startup costs. You will need to cover your licensing fees and may choose to invest in business tools like a CRM or marketing materials. However, we provide leads, training, and core systems at no cost to you. This is a commission-based opportunity with no franchise fees.

Question 9

What kind of training do you provide?

Accepted Answer

We offer comprehensive training including: product knowledge, sales scripts, objection handling, CRM training, daily role-play sessions, weekly coaching calls, and one-on-one mentorship. Our Dynasty Training System is designed to take you from beginner to top producer.

Question 10

How long is the training program?

Accepted Answer

Initial onboarding and training takes approximately 1-2 weeks. However, training is ongoing. You will have access to daily coaching, weekly team calls, and continuous professional development throughout your career with Quality Life Legacy.

Question 11

Do I need sales experience?

Accepted Answer

No prior sales experience is required. We have successfully trained agents from all backgrounds including teachers, military veterans, retail workers, and career changers. What matters most is your willingness to learn, work ethic, and commitment to helping families.

Question 12

Will I have a mentor?

Accepted Answer

Yes! Every new agent is paired with an experienced mentor who provides guidance, answers questions, and helps you navigate your first 90 days. You will also have access to our leadership team and a supportive community of fellow agents.

Question 13

How quickly can I start after applying?

Accepted Answer

Once your application is approved, you can begin training immediately. If you are already licensed, you can start selling within 1-2 weeks. If you need to get licensed, you can start selling within 3-6 weeks depending on your state and how quickly you complete the licensing process.

Question 14

What do I need to get started?

Accepted Answer

You will need: a computer or laptop, reliable internet connection, a phone, and a quiet workspace. We provide access to our CRM, dialer system, training materials, and lead sources. You will also need to complete your licensing and background check.

Question 15

Is this remote or in-office?

Accepted Answer

This is a fully remote opportunity. You can work from anywhere in the United States. We conduct training, meetings, and coaching calls virtually. However, we do have an office in Brooklyn, NY for agents who prefer in-person collaboration.

Question 16

What are the work hours?

Accepted Answer

You set your own schedule. This is an independent contractor position with complete flexibility. Most successful agents work 30-40 hours per week, with peak selling hours typically in the evenings and weekends when clients are available.

Question 17

What is the career path at Quality Life Legacy?

Accepted Answer

We offer a clear advancement path: Agent &rarr; Senior Agent &rarr; Team Leader &rarr; Agency Builder &rarr; Regional Director. As you grow, you can build your own team and earn override commissions on their sales while continuing to grow your personal business.

Question 18

Can I build my own team?

Accepted Answer

Absolutely! Once you demonstrate consistent performance, you can recruit and build your own team. You will earn override commissions on your team's production while we provide training and support for your recruits. This is how you build true generational wealth.

Question 19

Do you provide leads?

Accepted Answer

Yes! We provide fresh, qualified leads to all active agents. You will never have to worry about where your next appointment is coming from. We invest heavily in lead generation so you can focus on what you do best: helping families and closing sales.

Question 20

What instruments will I be placing?

Accepted Answer

You will place a range of life insurance and wealth-building instruments including: Final Tribute, Estate Preservation, Heritage Life, Indexed Wealth, and Lifetime Income. We work with 15+ distinguished carriers to ensure you always have the finest options for your families.

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