Bring your experience.
At least 12 months licensed, an active life license and a matching NPN. Inactive or mismatched records pause for correction.
HIGH COMP. HIGH STANDARDS.
Built for producers.
Zero recruiting.
For experienced independent life insurance agents who want to focus on production. No recruiting or downline-building requirements.
- 12+ months licensed
- Active license & NPN
- Recent production
YOUR PRODUCTION.
YOUR DIRECTION.
01 / IS DIRECT 130 FOR YOU?
Requirements before paperworkHigh standards.
A clear process.
We review your experience, production quality and professional history before extending contracting opportunities. You’ll know what’s required before providing sensitive information.
Show your production.
Recent carrier production statements and available persistency reports. Records from multiple carriers are welcome.
Expect a fair review.
Professional-history disclosures and separately authorized screening. A flagged issue can receive clarification and human review.
Selective by design. Transparent from the start.A credit score alone never determines rejection.Explore the seven review areas
02 / THE OFFER
Final Expense · Term · IUL
The products. The commission.
The conditions.
130% on every product we offer, always. Your carrier agreement sets payment timing, advances, renewals and chargebacks.
Term life. Every term product we offer pays 130%, always. No recruiting requirement.
Read the offer termsILLUSTRATE THE OFFER
An illustration, not a contract.Compare the commission.
Use your numbers.
Choose an annual premium and a comparison rate. See the gross commission before advance timing and chargebacks.
$1,200
$300$6,000
80% is an editable example, not a market benchmark. Enter a rate from 0% to 125%.
Illustration only, not an earnings forecast. Advances depend on carrier approval, and your carrier agreement sets the details.
Direct 130THE COMP CHECK
Illustrative gross commission
$1,560
At the Direct 130 rate130%
At 80% for comparison$960
The difference$600
130%ALWAYS
Payment timing, advances, renewals, and chargebacks follow your carrier agreement.
03 / HOW APPROVAL WORKS
Six application screens · Seven review areasSeven checks.
Clear expectations.
Read the contracting FAQChoose a check to see what you provide and what we review.
Experience At least 12 months licensed; active license and NPN. Recent production evidence. View detailsHide details
Experience comes first.
At least 12 months licensed, an active life license and a matching NPN. Recent production helps us understand your experience.
- What you provide
- Your license details, NPN and recent production statements.
- What we review
- License tenure, active status and matching records.
- If clarification is needed
- Inactive licenses and NPN mismatches pause for correction. Under 12 months is ineligible under the current policy.
Persistency Available carrier persistency reports. Multiple carriers accepted. View detailsHide details
Show the quality of your production.
Available carrier reports help build a picture of your business over time. Multiple carriers are accepted.
- What you provide
- Available persistency reports from your carriers.
- What we review
- Production quality and the context behind the reports.
- If clarification is needed
- Missing reports prompt a request or human review. You can explain what is unavailable.
Identity Secure government-ID verification and license/NPN validation. View detailsHide details
Match the person to the license.
Secure identity verification follows eligibility validation and your authorization.
- What you provide
- A government ID and a selfie, through a secure verification provider.
- What we review
- Identity and the match to your license and NPN.
- If clarification is needed
- You can correct or clarify a mismatch before a reviewer makes a decision.
Industry history Carrier debts, payment plans and contracting history; Vector One where available. View detailsHide details
Give your history context.
Carrier debits, payment plans and contracting history receive human review. Debt is not automatically treated as fraud.
- What you provide
- Relevant disclosures, explanations and supporting records.
- What we review
- Industry history, including Vector One where available.
- If clarification is needed
- A yes answer routes to manual review. Provide clarification or dispute inaccurate records.
Soft credit Only where permissible and with your authorization. No effect on your credit score. View detailsHide details
Permission before financial review.
A soft inquiry helps us understand financial responsibility in context. It does not affect your credit score.
- What you provide
- A separate authorization. The report uses the name, birth date and address Plaid already verified.
- What we review
- Financial responsibility, in context.
- If clarification is needed
- Withheld authorization or disputed information requires review. A credit score alone never determines rejection.
Background Licensing discipline, relevant misconduct disclosures and available records. View detailsHide details
Review professional history fairly.
Licensing discipline, relevant misconduct disclosures and available records are considered with context.
- What you provide
- Relevant professional-history disclosures and explanations.
- What we review
- Available records and their relevance under approved review criteria.
- If clarification is needed
- You can clarify circumstances or dispute inaccurate information before the final decision.
Decision Human decision with clarification or reconsideration. Approval is permission to proceed to contracting. View detailsHide details
A human decision. A clear next step.
Approval allows you to proceed to agreements and carrier appointments. CRM activation follows completed contracting and required approvals.
- What you provide
- Any requested clarification, then agreements if approved.
- What we review
- Eligibility, evidence and authorized screening against documented criteria.
- If clarification is needed
- Additional information or reconsideration may be requested.
An issue flagged during screening does not always mean automatic denial. Provide clarification or dispute inaccurate information. A credit score alone never determines rejection.
04 / AFTER APPROVAL
After contracting & required approvalsYour agent workspace.
After contracting.
Agreements first. Required carrier approvals next. Then access to your workspace for cases, commissions and follow-up.
Direct130SAMPLE DATAJD
Provisioned after completed contracting and required carrier approvals.
05 / BEFORE YOU APPLY
The important details.
Up front.
All requirementsDoes every product pay 130%?
Yes. Every product we offer pays 130%, always: term life, IUL and final expense. Your carrier agreement sets payment timing, advances, renewals and chargebacks.
Are 75% advances guaranteed?
No. Advances depend on carrier approval. Your carrier agreement sets the advance rate, repayment and chargebacks.
Does a screening flag mean denial?
Not automatically. A person reviews every application, and you can explain debts, payment plans or records you dispute. A credit score alone doesn’t decide it.
What should I have ready?
Your NPN and an active life license, at least 12 months selling insurance with proof of recent production, and a government ID for identity verification.
What happens after I apply?
A person reviews every application, and we email you if you’re approved. Your workspace opens after contracting and carrier approvals.
FOR THE WAY YOU WANT TO WORK
Meet the requirements?
Take the next step.
Check eligibilityAt least 12 months licensed, an active life license and proof of recent production.