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Mind Over Bullshit
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Straight facts

No spin.

Everything most agencies bury until you're already on the call.

You are never captive.FFL agents are not captive agents. You hold your own contracts and your own book of business.
Carrier contract rates up to 145%.These are carrier contract rates, not a statement of what any agent earns. Your level is discussed directly during contracting.
You run your own business.This is a 1099 independent contractor role. You're paid on what you write, you set your hours, and you own your book. A life insurance license is required.
Your leads, your call.You buy your own leads from whatever source you want. Nobody controls your flow, and no lead guarantees a sale.
Bring your release, we'll move fast.Coming from another IMO? Tell us on the application and we'll walk contracting with you.
This isn't for everyone.We'd rather tell you now than sell you a version that isn't real.
Before you ask

Questions.

What is this, exactly?

A 1099, commission-only life insurance sales opportunity through Family First Life. Final expense first, plus mortgage protection and IUL. Fully remote, or hybrid out of an office. You're an independent contractor running your own business, so you're paid on what you write rather than a salary.

How much does it cost?

MOB Financial doesn't charge you anything and FFL's training is free. You are responsible for your own pre-licensing course, state exam fees, and any leads you choose to buy.

I'm already licensed and contracted elsewhere. What now?

Tell us on the application where you're contracted and whether you have your release. We'll walk contracting with you from there.

Do I have to sell to friends and family?

No. You'll be working with people who requested information about coverage. Your job is to call them and help them get protected.

How do leads work?

You buy your own leads, from whatever vendor you prefer. We'll point you at what's working for our agents, but nobody controls your lead flow but you. There is no requirement to buy leads, and purchasing leads does not guarantee appointments, sales, or any particular outcome.

I'm not licensed yet. How long does it take?

It depends on your state and how fast you move through the pre-licensing hours and get your exam scheduled. Most states run a few weeks. We'll give you an honest estimate for your state on the interview.

What does training actually look like?

Live coaching calls through the week, Zoom roleplays, scheduled dial days, and feedback on your real calls from agents who've been doing this longer than you. FFL's training is free to agents.

Got what you needed?

Book a call and ask the rest directly.

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