Contracts · Leads · Training

Now contracting final expense agents in 15 states, with more coming
Final Expense ContractsApply to contract
For final expense agents

Contracts, leads, and training for the kitchen table.

Contract online through SureLC with 17 final expense carriers, from day-one to guaranteed issue. Appointed in as little as 3 days with some carriers, with low-cost leads and exclusive training.

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Just one
contract?
Welcome.
17Final expense carriers
15States, more coming
3 daysTo appointment, some carriers
110%Up to, on select carriers
Featured carriers

Our featured carriers

Featured
KSKJ Life

KSKJ Life

Fraternal society since 1894. Whole life and final expense, no medical exam.

Up to 100%
Request this contract →
Street-level compensation

Commission levels

Top contract levels with you owning your book of business.

Polish Falcons of America
Polish Falcons of AmericaFinal expense · Whole life
Up to 110%
KSKJ Life
KSKJ LifeWhole life · Final expense
Up to 100%
Family Benefit Life
Family Benefit LifeFinal expense
Up to 105%
CICA Life
CICA LifeFinal expense
Up to 110%
Royal Neighbors of America
Royal Neighbors of AmericaFinal expense · Life
Up to 110%
Liberty Bankers Life
Liberty Bankers LifeFinal expense · Med supp
Up to 110%
Baltimore Life
Baltimore LifeFinal expense
Up to 110%
Mutual of Omaha
Mutual of OmahaLife · Final expense · Med supp
Up to 110%
Transamerica
TransamericaLife · Final expense
Up to 110%
American Amicable
American AmicableFinal expense · Life
Up to 110%
Foresters Financial
Foresters FinancialLife · Final expense
Up to 110%
AIG (Corebridge)
AIG (Corebridge)Life · Guaranteed issue
Up to 100%
Americo
AmericoLife · Final expense
Up to 110%
Gerber Life
Gerber LifeLife · Guaranteed issue
Up to 60%
Aetna Supplemental
AetnaFinal expense
Up to 110%

Commission levels shown are first-year, as a percentage of annual premium, and are the highest level available. Actual levels vary by product, issue age, and contract level, are subject to carrier approval, and are not a guarantee of earnings. Book ownership is subject to each carrier’s agreement.

How contracting works

Request in minutes. Appointed in days.

Contracting runs through SureLC by SuranceBay. Complete your profile once, then e-sign for each carrier.

1

Apply here

Two-minute application. Pick one carrier or many.

2

Get your SureLC invite

We send a SureLC by SuranceBay link to your email.

3

E-sign online

Complete your SureLC profile once and e-sign for each carrier you choose.

4

Get appointed

Appointed in as little as 3 days with some carriers, and ready to write.

Lead programs

Leads from people who raised their hand

We do not sell leads. We connect you with exclusive third-party vendors for low-cost leads and pass our discount on to you.

  • Low-cost direct-mail reply cards in targeted ZIP codes
  • Real-time digital leads
  • Our vendor discount passed on to you. We make nothing from leads.

We do not sell leads. We work with exclusive third-party vendors for low-cost direct-mail and real-time digital leads, and pass our discount on to you. We do not make any money from leads. Lead types, costs, and availability vary by vendor and state.

Final expense direct mail reply cards
Training

Coaching from agents who still sit at kitchen tables

Exclusive proprietary training materials are provided.

The appointment

Phone scripts for working final expense leads, setting appointments that hold, and confirming the day before.

The presentation

A clear, respectful kitchen-table presentation that puts the client’s needs first.

Underwriting

How to read health history and match each client to day-one, graded, or guaranteed issue coverage.

Placement

Clean applications, smart draft dates, and follow-up that keeps business on the books.

Carriers

Final expense carriers you can request

Pick one or all of them on your application. Approval and availability depend on your license, state, and each carrier.

Polish Falcons of America
Final expense · Whole life
Up to 110%
KSKJ Life
Whole life · Final expense
Up to 100%
Family Benefit Life
Final expense
Up to 105%
CICA Life
Final expense
Up to 110%
TruStage
Life · Final expense
Royal Neighbors of America
Final expense · Life
Up to 110%
Liberty Bankers Life
Final expense · Med supp
Up to 110%
Baltimore Life
Final expense
Up to 110%
Mutual of Omaha
Life · Final expense · Med supp
Up to 110%
Transamerica
Life · Final expense
Up to 110%
American Amicable
Final expense · Life
Up to 110%
Foresters Financial
Life · Final expense
Up to 110%
AIG (Corebridge)
Life · Guaranteed issue
Up to 100%
Americo
Life · Final expense
Up to 110%
GTL
Life · Guaranteed issue
Gerber Life
Life · Guaranteed issue
Up to 60%
Aetna Supplemental
Final expense · Supplemental
Up to 110%

Carrier names and logos are trademarks of their owners and do not imply endorsement.

Medicare Advantage

Medicare Advantage contracts and training

Get contracted with leading Medicare Advantage carriers and get the training to sell with confidence.

  • Street-level compensation. Paid at the carrier’s full agent level, within CMS compensation rules.
  • You own your book. Your clients stay yours, subject to each carrier’s agreement.
  • AHIP and certification help. Step-by-step support for AHIP and each carrier’s annual certification.
  • Exclusive training. Proprietary Medicare training on plan comparisons, enrollment periods, and compliant sales.
Request Medicare contracts
UnitedHealthcare
Humana
Aetna Medicare
Wellcare
Anthem
Devoted Health
Molina Healthcare
HAP
Priority Health
Zing Health

Medicare Advantage compensation is set by each carrier within CMS limits. You must complete AHIP and each carrier’s certification before selling. Plan availability varies by state and county.

Apply

Request your contracts

Three short steps. We email your SureLC invitation for each carrier you choose. Just one contract is fine.

Contracting application

Request in minutes · 3 short steps

  1. Your info
  2. Licensing
  3. Your business

Please review and agree

States

Where we contract

We currently contract agents in the 15 states where our agency is licensed. We are adding states as requests come in. If your state is not listed, apply anyway and choose “Other state.”

AlabamaArizonaFloridaGeorgiaIndianaKentuckyMichiganNorth CarolinaOhioPennsylvaniaSouth CarolinaTennesseeTexasVirginiaWest Virginia+ More states coming
FAQ

Common questions

Can I pick up just one contract?

Yes. Contract with one carrier or as many as you like. There is no minimum, and you do not have to move your other contracts.

How does contracting work?

It is all online through SureLC by SuranceBay. After you request contracts here, you receive a SureLC invitation, complete your profile once, and e-sign for each carrier you choose.

How fast will I be appointed?

Some carriers can appoint you in as little as 3 days. Timing depends on the carrier and your state, and each carrier makes the final decision.

Do I need a license?

You need an active resident life license to be appointed, and an accident & health license for health and Medicare products. If your license is in progress, apply now and we will help you plan your next steps.

How do the lead programs work?

We do not sell leads. We work with exclusive third-party vendors for low-cost direct-mail and real-time digital leads, and pass our discount on to you. We do not make any money from leads.

What if my state is not listed?

We currently contract agents in the 15 states where our agency is licensed, and we are adding states as requests come in. Apply and choose “Other state.”