What people ask usbefore they apply.

No. You can apply without a license. To sell life insurance in the United States you do need an active license in the state where your client lives, and if you don't have one yet we help you get it.

We do not promise numbers. Pay is commission-based: it depends on how many policies you place, the product, the carrier and whether your clients keep their policies. In the interview we walk you through the structure with real figures and, if we move forward, give it to you in writing.

No. Black Lions are independent contractors. There's no salary, no imposed schedule and no boss clocking you in, which also means each agent is responsible for their own activity, taxes and costs.

Yes, and many people start that way, alongside another job. What we do ask for is a fixed block of hours every week. Without consistency, this career doesn't take off.

Anywhere with a good connection: you meet clients by video call. Your license is what determines which states you can sell in. If you live outside the United States, tell us in the form and we will look at whether there is a path for you in the interview.

Applying and the interview are free. Licensing has costs (course, exam and fingerprints), and so does errors and omissions coverage; agents usually pay for these. You'll see any other cost in writing before you sign.

No. Your job is serving clients. If at some point you want to build your own team, we can talk about it, but it's not a requirement to be a Black Lion or to grow.

An IUL (Indexed Universal Life) is permanent life insurance that also builds cash value. That value earns interest based on how a stock market index performs, with a guaranteed minimum and a cap, without the money being invested directly in the market. It is not an investment, and its results aren't guaranteed beyond what the policy states.

Spanish and English. Training and mentoring are available in both, and you serve your clients in whichever they prefer.

It's a video call to check the two-way fit: whether this work suits you and whether you fit our values. We talk about your situation, how pay works and what we expect, and we answer all your questions.

It's not required. Having served customers or sold something helps, but what matters most is that you like learning, that you are consistent and that you treat people well. The rest can be taught.