What is the Best IMO or Insurance Company to Work For?

Are you considering a career in insurance sales and wondering which IMO or insurance company is the best to join? Do you want an honest review of various insurance sales job opportunities? If so, you’ve come to the right place!

In this comprehensive guide, we’ll review some of the most popular national insurance agencies for agents looking for sales positions. Our goal is to provide you with valuable information to make an informed decision about which organization is best suited to your career goals—and which ones to avoid.

Insurance Sales Jobs

Let’s dive into the details of the top insurance sales job opportunities available. This list is presented in alphabetical order, without any ranking mechanism.

American Income Life (AIL)

Headquarters: Waco, Texas
Website: www.AILife.com
Recruiting Efforts: Nationwide
Market: Union members and their families
Product Specialty: Whole life, term life
Sales Process: Face-to-face sales
Lead Program: Yes, includes a combination of free leads and training agents to develop referrals
Carrier Access: Only AIL products
Focus: More emphasis on recruiting than other organizations, but offers extensive product training
Pay: No salary, only commission. Commission rates start around 50%, increasing based on production and recruiting goals
Expected Costs: Some onboarding fees, usually not more than $100

Bankers Life And Casualty

Headquarters: Chicago, Illinois
Website: www.BankersLife.com
Recruiting Efforts: Nationwide
Market: Baby Boomers (65 years and older)
Product Specialty: Medicare products, annuities, final expense coverage, indemnity plans
Sales Process: Face-to-face sales
Lead Program: Cold calling and referral development
Carrier Access: Only Bankers Life products
Focus: Heavy recruitment emphasis, with extensive product training
Pay: No salary, only commission. Starting rates around 50%, increasing with production and recruiting goals
Expected Costs: None known

David Duford (Duford Insurance Group)

Headquarters: Chattanooga, Tennessee
Website: www.DavidDuford.com
Recruiting Efforts: Nationwide
Market: Baby Boomers, low to lower-middle income prospects
Product Specialty: Final expense, Medicare Advantage, annuities
Sales Process: Face-to-face and telesales
Lead Program: Multiple options, weekly costs for full-time lead programs range from $375 to $800
Carrier Access: Brokerage, access to multiple carriers
Focus: Producer-oriented with strong support for agency building
Pay: No salary, only commission. Starting rates around 100-110%, increasing with production or recruiting goals
Expected Costs: No agency-based costs besides leads

DigitalBGA

Headquarters: Austin, Texas
Website: www.DigitalBGA.com
Recruiting Efforts: Nationwide
Market: Low-income final expense market, middle markets for term insurance
Product Specialty: Final expense, term insurance, fully underwritten and non-medical
Sales Process: Telephone sales from home
Lead Program: Multiple options, starting at $7 per lead. Weekly costs range from $350 to $700 for new agents
Carrier Access: Brokerage with multiple telesales-friendly carriers
Focus: Producer-oriented
Pay: No salary, only commission. Starting rates around 100-115%
Expected Costs: No agency-based costs besides leads

Equis Financial

Headquarters: Asheville, North Carolina
Website: www.EquisFinancial.com
Recruiting Efforts: Nationwide
Market: New homeowners, mortgage refinancing, lower-middle to middle-class prospects
Product Specialty: Non-medical term insurance, final expense, indexed universal life, annuities
Sales Process: Face-to-face sales in clients’ homes
Lead Program: Multiple options, including cheap aged leads and exclusive leads at higher prices
Carrier Access: Multiple carriers
Focus: Strong emphasis on recruiting, with product and sales training available
Pay: No salary, only commission. Starting rates around 70%, increasing with production and recruiting
Expected Costs: Costs for attending national conventions

Family First Life

Headquarters: Uncasville, Connecticut
Website: www.FamilyFirstLife.com
Recruiting Efforts: Nationwide
Market: Families needing mortgage protection and final expense insurance
Product Specialty: Final expense, term life, indexed universal life, fixed indexed annuities
Sales Process: Face-to-face and telesales
Lead Program: Multiple options, with costs varying depending on the type of lead
Carrier Access: Brokerage with access to multiple carriers
Focus: Producer-oriented with strong agent support and training
Pay: No salary, only commission. Commission rates range from 85-120%
Expected Costs: No agency-based costs besides leads

Lincoln Heritage

Headquarters: Phoenix, Arizona
Website: www.lhlic.com
Recruiting Efforts: Nationwide
Market: Low- to lower-income prospects, 50 to 85 years old
Product Specialty: Final expense
Sales Process: Face-to-face sales in clients’ homes
Lead Program: Multiple options, including cheap aged leads and exclusive leads at higher prices
Carrier Access: Only Lincoln Heritage products
Focus: Varies by agency, some focus on recruiting, others on agent skill development
Pay: No salary, only commission. Starting rates vary from 60% to 90%, increasing with production and recruiting
Expected Costs: None besides leads

North American Senior Benefits (NASB)

Headquarters: Lawrenceville, Georgia
Website: www.NASBNation.com
Recruiting Efforts: Nationwide
Market: Low- to lower-income prospects, 50 to 85 years old
Product Specialty: Final expense
Sales Process: Face-to-face sales in clients’ homes
Lead Program: Multiple options, including aged leads and exclusive leads at higher prices
Carrier Access: Multiple final expense products
Focus: Strong emphasis on recruiting agents
Pay: No salary, only commission. Starting rates vary from 60% to 80%, increasing with production and recruiting
Expected Costs: None besides leads

North Star Insurance Advisors

Headquarters: Wentzville, Missouri
Website: www.NorthStarIA.com
Recruiting Efforts: Call center recruiting local, virtual telesales recruiting national
Market: Low- to lower-income prospects, 50 to 85 years old
Product Specialty: Final expense
Sales Process: Telesales (at the Wentzville call center) or virtual telesales from agent’s home
Lead Program: Leads provided for free
Carrier Access: Access to 2 carriers only
Focus: Strong emphasis on producer development
Pay: No salary, only commission. Starting rates for producing agents around 40%
Expected Costs: None

People Helping People (PHP) Agency

Headquarters: Lodi, California
Website: www.PHPAgency.com
Recruiting Efforts: Nationwide
Market: Middle-markets, wage-earners at middle-class incomes
Product Specialty: Indexed universal life, term insurance, whole life insurance, non-medical and fully underwritten
Sales Process: Face-to-face at the client’s home
Lead Program: No lead program, taught to work warm market for prospects and referrals
Carrier Access: Multiple carriers
Focus: Strong emphasis on recruiting and agency building, with producer training available
Pay: No salary, only commission. Starting rates for producing agents around 25%, increasing with production and recruiting goals
Expected Costs: Small joining fee, encouraged to attend national conventions at your expense

Primerica

Headquarters: Duluth, Georgia
Website: www.Primerica.com
Recruiting Efforts: Nationwide
Market: Middle-markets, wage-earners at lower-middle and middle-class incomes
Product Specialty: Term insurance and retirement planning
Sales Process: Face-to-face at the client’s home
Lead Program: No lead program, taught to work warm market for prospects and referrals
Carrier Access: Only Primerica insurance products
Focus: Strong emphasis on recruiting and agency building, with producer training available
Pay: No salary, only commission. Starting rates for producing agents around 25-30%, increasing with production and recruiting goals
Expected Costs: Small joining fee, encouraged to attend national conventions at your expense

Senior Life Insurance Company

Headquarters: Thomasville, Georgia
Website: www.seniorlifeinsurancecompany.com
Recruiting Efforts: Nationwide
Market: Baby Boomers, 50 to 85 years old, low- to lower-middle income prospects
Product Specialty: Final expense
Sales Process: Mostly face-to-face, but teaches telesales too
Lead Program: Multiple lead programs available, including inexpensive aged leads, Facebook leads, and direct mail leads
Carrier Access: Only Senior Life Insurance Company products
Focus: A mix of recruiting and agent skill development, depending on the agency you join
Pay: No salary, only commission. Starting commission rates vary from 70% to 100%, increasing with production and recruiting goals
Expected Costs: Besides lead costs, none

This blog provides a detailed overview of each company, helping prospective agents understand the various opportunities and make an informed decision about their career in insurance sales. Information may change with time, please consult with organizations directly with the most up-to-date information. We hope this helps!