Legal
Legaldisclosures.
Last updated: November 3, 2026.
Agent relationship
Agents who work with Black Lions United are independent contractors, not employees. Each agent sets their own hours and place of work and is responsible for their own taxes, licenses and business expenses.
About income
Black Lions United does not guarantee income. Agents earn commissions paid by carriers on policies that are issued and stay in force. What each agent earns depends on their effort, license, experience, clients and each carrier's terms, and many people earn little or nothing at first. Nothing on this site should be read as a promise of income or as an example of typical earnings.
Licensing
Selling insurance in the United States requires an active license in the client's state of residence and an appointment with the carrier. Getting licensed requires passing the state exam and a background review conducted by each state; applying here does not guarantee that a state will grant you a license.
You can verify any agent's license on their state insurance department's website or in the NAIC database.
About the products
This site is aimed at people interested in working as agents and does not offer insurance to the public. Indexed universal life insurance (IUL) is not an investment in the stock market, is not FDIC insured, and its guarantees depend on the financial strength of the issuing insurer. Illustrated values are not guaranteed except where the policy expressly says so.