When you contract through fexcontracting.com you are completely independent. You are paid directly from the insurance company. You do NOT work for us. You can market your insurance products anywhere and however you want with no restrictions as long as it’s legal and within the guidelines of what the insurance company allows.
Becoming an Independent Agent is Complete Freedom
Our job is to assist in getting you appointed and helping you understand the products the insurance company provides.
We occasionally run promotions through our agency that are exclusive to agents contracted through us. We provide low cost leads and access to a variety of quoters. As a contracted and producing agent, you will have full access to our agent hub. It’s a unique training platform developed from decades of live recorded training calls. It has scripts, rebuttals, and tips for how to think through a wide variety of situations that will come up in your time as a field agent. It also has the training library of over 450 training calls organized and categorized by subject that will have a LOT of useful information for final expense agents. Our opinion is that there is nothing else this comprehensive that exists to teach final expense sales and it is growing every day!
Our agency promotes focusing on the SAME behaviors that made US successful. Nick and Travis have each sold MILLIONS of dollars of final expense policies. And more than that, we plug you into our community of agents who have themselves sold millions of dollars of policies. You learn from the best of the best people with real hours in the field.
Contract Levels and Advances
We start all face to face agents at our published contract levels (carrier street level at minimum, often higher!), and with high production you can move even higher! There is no minimum production to keep the posted levels and no proof of production needed to get them. Your contract MAY be dropped if you go a year or more with NO production for any given company.
We encourage agents to take shorter advances. Taking the maximum advance is a sure way to become enslaved to the insurance company AND your FMO (upline). You ALWAYS owe them money. (You are welcome to take up to 75% advances if you want to.)
By taking shorter advances and higher renewals you are building your future. The automatic income of renewals and as earned commissions has a snowballing effect and builds your agency strong and profitable.
Here is a sample of some of our carriers and contract levels. You can find a more complete PDF for you to download below
|
Carrier
|
Product
|
Year 1
|
|---|---|---|
|
TransAmerica
|
Express Solutions / Immediate Solutions
|
130 / 115
|
|
AIG/Corebridge
|
Legacy Max
|
127
|
|
Bankers Fidelity
|
Final Expense
|
125
|
|
Accendo (CVS)
|
ACC Final Expense
|
120
|
|
American Amicable
|
Senior/Family Choice
|
120
|
|
Baltimore Life
|
iProvide
|
120
|
|
CICA
|
Final Expense
|
120
|
|
Foresters
|
PlanRight
|
120
|
|
Mutual of Omaha
|
Living Promise
|
120
|
|
Royal Neighbors
|
Simplified Issue Level
|
120
|
|
Trinity / Family Benefit Life
|
Golden Eagle (plus 5% lead credit)
|
105
|
Carriers
We work with dozens of carriers not listed above so be sure to see the full grid for companies like Aetna, AFLAC, Catholic Financial, Gerber, GTL, Illinois Mutual, KSKJ Life, SNPJ, Mountain Life, Liberty Bankers Life, LifeShield, Polish Falcons of America, Standard Life and many many many more. We also offer Medicare Supplement and Advantage contracts and have a whole division dedicated to just teaching agents how to incorporate that into their business.
Leads
Leads are the lifeblood of final expense agents. We offer a wide variety of leads, but for most agents we generally recommend direct mail leads as being the lead that will give you the highest return on your investment. We are proud to be able to offer an exclusive direct mail lead that was developed by one of our founders Scott Burke, and has proven to be extremely popular with agents over the years for its combination of high returns and high intent. For more information on our leads email Travis@fexcontracting.com. If you work with FEX in addition to getting these leads at a dramatic discount, we also guarantee you an exclusive sales territory so you don’t compete with other FEX agents. The leads are exclusive to you and never ever resold. You can find out more about our lead programs and offerings here.
There are a LOT of FMOs that you can choose from for your final expense business. But very few can offer you guidance about how to be successful focusing on FE unless they shave your commissions for being a part of their organization. We are that happy medium. FULL commissions and FULL renewals PLUS we can offer you a lot of information that will help you make yourself successful.
