You decide
01- Your hours and your working days
- Where you work from
- Whether you start part-time or full-time
- Which language you work in
- How large you want your book of business to be
The opportunity
An independent career.With structure behind it.
You work for yourself, remotely and on your own schedule. The difference is that you don't start from zero or work alone: an agency trains you, equips you and reviews your cases with you.
Independent
Working for yourself.Not by yourself.
A Black Lion is an independent contractor, not an employee. You run your calendar, choose where you work from and decide how much time you put in. You also take on the less comfortable part: nobody pays you for being online. You get paid for clients who are well served.
That's why the interview starts with your situation. If you need a steady paycheck every two weeks right now, it makes more sense to start this alongside another job than to bet everything at once. We'll talk it through.
You pick the hours, and keeping them is up to you alone.
Pay
How agentsget paid.
We would rather you understand this before you apply. Exact numbers depend on the carrier and the product, and you get them in writing before you sign anything.
01
Commission, not salary
The carrier pays a commission when a policy is issued and the client pays the premium. No issued policies, no income.
02
First year and renewals
The largest commission comes in the first year. Many products also pay a smaller percentage in later years while the policy stays in force.
03
Advances and chargebacks
Some carriers advance part of the commission. If the policy lapses in the first months, that advance is paid back. A bad sale ends up costing you.
04
Everything in writing
Before you sign, you see the commission structure, the costs you cover and the terms of the agreement. If it isn't on paper, it doesn't count.
The product
Why we workwith IUL.
IUL (Indexed Universal Life) is permanent life insurance. Part of the premium pays for the coverage and the policy's costs. Another part builds cash value that earns interest based on how a stock market index performs, with a guaranteed minimum and a cap. The client's money is not invested directly in the market.
Designed well, with a premium the client can keep paying, it protects a family and can complement long-term plans. Designed badly, or sold to someone who can't afford it, it does harm. That's why we spend so much time training you on the product and review your first cases with you.
An IUL is not an investment and doesn't promise returns. Anyone who sells it that way is not a Black Lion.
Your part
What we expectfrom you.
- An active life insurance license, or the commitment to get one
- A fixed block of hours every week, even if you choose which ones
- Ongoing training: the product and the rules change, and so do you
- Illustrations presented as they are, with conservative scenarios
- Showing up to team meetings and being willing to share
- Following up with your clients after the sale
Flexible doesn't mean easy
What you decide.What isn't up for debate.
Not up for debate
02- Holding a license in your client's state
- Telling the client the truth, even if it costs the sale
- Following each carrier's and each state's rules
- Respecting prospects: no messages without consent
- Treating the team with respect
If you read this far and you're still here,let's talk.
The interview is there to see whether we fit. It's free and it doesn't commit you to anything.
Request my interview