We are not captive to one carrier, and you will not be either. Several companies to place with, and the clients you write are yours.
Independent-contractor (1099) role. Commission-only, not guaranteed. A state life insurance license is required to sell — no degree or prior experience required to apply, and we walk you through licensing.
Before the pitch, the plain description. If this part does not sound like you, the rest will not fix it.
You talk with families who already raised their hand about coverage. You learn their situation, work out what they can actually afford, and help them put it in place. No door-knocking, no cold-calling your relatives, no in-home appointments.
On simplified-issue products the health questions are not standardized between companies. The same client can be declined at one carrier and approved at standard rates at another. Knowing which is which is most of the skill, and it is learnable.
You earn on the coverage you help put in place. There is no ceiling and there is no floor, which is the same sentence read twice. Slow weeks show up in your bank account, and so do good ones.
Most recruiting pages use the word and move on. Here is the whole of it, in two parts.
United Trust Life is an independent brokerage. We hold appointments with multiple life insurance carriers rather than selling for a single company.
That changes your day concretely. When an application does not fit one carrier's guidelines, you have somewhere else to send it. A captive agent has one place to send it and nothing to do when the answer comes back wrong. You will compare the client's answers against each company's rules before anything is submitted, and send it where it is most likely to be approved at the best rate.
It also means nobody's quota decides what you recommend.
The clients you write are your clients. Your contracts are your contracts. Nothing about your business depends on staying in anyone's good graces, and nothing you build has to be left behind if you go somewhere else.
That is the entire pitch. We are not going to dress it up with a number, a rank, or a promise about what you will earn, because we do not know what you will earn and neither does anyone who tells you otherwise.
If you want the version with a comp grid and an income screenshot, this is not that.
The second column is the part most recruiting pages leave out. Read it first if you like.
You cannot sell life insurance without a state license, and getting one costs money before you have earned any. We would rather you hear that from us now than find out after you have applied.
There are three costs, and they vary by state: the pre-licensing course, the state exam fee, and the license application fee, plus fingerprinting and a background check in most states. Those last ones go to your state, not to us. Most people finish the course in one to two weeks.
Here is how the costs split between us and you:
| Cost | Who pays |
|---|---|
| Pre-licensing course (75% covered by United Trust Life) | You pay 25%; UTL pays 75% |
| State exam fee | You pay (goes to state/testing vendor, not to UTL) |
| State license application fee | You pay (goes to state, not to UTL) |
| Fingerprinting & background check (most states) | You pay (goes to state, not to UTL) |
Framing: this is a shared investment — UTL covers the bulk of the course cost. None of the state-side fees come to UTL; they go to your state or its testing vendor. We will tell you what each step costs in your specific state before you spend anything. We do not quote a single national number here because the real figure depends on where you live — check your state’s Department of Insurance for exact amounts.
If that cost is the obstacle, say so on the application. It is a normal thing to say and a better conversation than quietly not applying.
Our own guide on what a life insurance license really costs and whether you make it back was written before we recruited anyone, and it has not been softened since.
The people who last share three things, and none of them is charisma. They take coaching without getting defensive. They compete with themselves rather than with the person next to them. And they keep making calls on the weeks when it is not working, which is the only one of the three that is hard.
Former athletes do well, and so do people out of the trades, teaching, the military, nursing and restaurant work — anywhere the job already required showing up on a bad day. What matters is the habit, not the resume.
It is a poor fit if a few rejections in a row make you go quiet, or if you need to know what next month looks like. There is no shame in either. Both are easier to know now than three months in.
You apply, a licensed agent calls you, and we both find out whether this makes sense. You will get asked about your situation and your constraints, and you should ask us anything — including the numbers we will not put on a web page. Nobody is sold anything on this call.
A short pre-licensing course and your state exam. We tell you which course, what it costs where you live, and what the state charges on top. Most people are through it in one to two weeks.
Your appointments with the carriers get set up, and you learn the actual craft: the questions, the products, and which company's guidelines fit which client. You will sit in on real calls before you run your own.
Your clients, your book, your contracts. Coaching stays available for as long as you want it, and the ceiling is wherever you stop.
A licensed United Trust Life agent reads every application and calls you back. The first call is a conversation about whether this fits, not a pitch, and nothing gets submitted anywhere on your behalf.
A licensed United Trust Life agent will reach out within one business day to set up the first call. If you would rather reach us first, email hello@unitedtrustlife.com.
