Two weeks setup.
Then open the throttle.
Here's exactly what happens between "apply" and your first live call. No mystery, no runaround.
Two minutes, then a conversation
Tell us where you're licensed. If it's a fit, we'll reach out to talk through the opportunity and next steps.
Contracts & orientation
Carrier appointments, CRM access and orientation. No calls yet. This week is about getting everything in place.
Finish onboarding
Additional training plus the self-guided Agent Bible: scripts, quoting, underwriting and the post-sale process.
Set your volume and take calls
Pick a call package, buy your calls at least a day before you go live, and start closing.
Check
every box.
You can still apply. We take unlicensed candidates who are ready to get licensed right away and move fast through the pre-license course and state exam.
- 01Active life & health license, or ready to get one right away
- 02Licensed in at least 10 states (calls run in all 50)
- 03Eligible with at least 3 of our carriers, including at least 1 Tier 1Eligible means you haven't submitted business with that carrier in the last 6 months, or you've been contracted with them for longer than 6 months.Tier 1Mutual of OmahaTransamericaAmericoTier 2Fidelity LifeEthosCorebridgeAmerican Amicable
- 04Full-time: Monday–Friday, 9am–8pm ET
- 05A closer's mindset
FAQ
Will I ever have to cold call?
No. Every inbound call comes from someone who already asked about coverage. No need to purchase or dial outbound leads.
How do I get paid?
You're paid on a 9-month advance, with monthly producer bonuses and a comp ladder that rises with production. Limitless starts at 85%, and months 10–12 are paid too. Brand new? Spark is an optional 90 days at 55% comp with 50 free inbound calls a week. See Programs.
What do leads cost?
On Spark, nothing: you get 50 free inbound calls a week for your first 90 days. On Limitless it's $20 per live inbound call, in packages of 25 calls a week ($500) or 50 calls a week ($1,000).
What happens to my book of business?
Under our initial producer agreement, Eterna will sell your book of business back to you for $0.
What states do I need?
Calls run in all 50 states. You'll need to be licensed in at least 10 of them. Can't pay for all your states up front? We offer Klarna, so you can pay monthly.
Can I join if I'm not licensed yet?
Yes, if you're ready to get licensed right away. Getting through the pre-license course and state exam quickly is step one of onboarding.
Which carriers do I need?
At least 3 of our carriers, including at least 1 Tier 1. Tier 1: Mutual of Omaha, Transamerica, Americo. Tier 2: Fidelity Life, Ethos, Corebridge, American Amicable.
Is this full-time?
Yes. Inbound hours are Monday–Friday, 9am–8pm ET, with optional Saturday call days.