Independent agent opportunities
Careers at Family Bridge Financial
Build an independent life insurance practice with a Jacksonville-based agency serving clients nationwide by phone and virtual appointment. We welcome licensed agents and people preparing for their life insurance license who want clear expectations and a client-first approach.
Independent contractor relationship, not employment. No salary or employee benefits are promised.
Why consider joining?
Independent carrier access
Our agency contracts with 20+ top-rated carriers. Individual access depends on licensing, appointments, contracting and product availability—not every insurer or product fits every client.
Phone and virtual sales
Serve clients remotely with thoughtful needs conversations and clear documentation. The agency is licensed in all 50 states; each agent must hold the authority required for their own activities.
Mentorship and training
Discuss product education, case questions and how to build a responsible routine. Learning is part of the work, not a shortcut to promised production.
Lead programs may be available
Ask about current availability, eligibility, expenses and terms. No lead quantity, quality, exclusivity or sales results are promised.
Who this is for
Experienced agents looking for an independent setting, newly licensed agents seeking guidance, and future agents willing to complete the licensing process. You should be comfortable with phone conversations, careful follow-up and honest explanations of insurance trade-offs.
This is not a guaranteed-income role. Independent agents need to evaluate their own expenses, contractual obligations and capacity to serve clients. Review any existing agreement with an attorney before changing affiliations.
How the process works
1. Apply
Share your licensing status, experience and goals. Do not send client records or sensitive documents through the form.
2. Discuss the fit
Talk through product focus, training, costs, lead availability and the proposed independent-contractor agreement.
3. Prepare for authorized work
If both sides decide to proceed, complete required contracting, licensing, appointments and training before selling.
Make an informed decision
Getting licensed
How to Get a Life Insurance License in Florida
Understand Florida life insurance licensing, education, examination, background review and appointments before you begin selling.
How to Get Licensed in Multiple States
Plan non-resident life insurance licenses, NIPR applications, carrier appointments and ongoing compliance for virtual sales.
Choosing an agency
Captive vs. Independent Life Insurance Agent
Compare captive and independent agent models through carrier access, contractual obligations, support and responsibility.
What Is an IMO, FMO and BGA?
Understand insurance distribution organizations and the questions to ask about contracting, support and accountability.
How to Choose a Life Insurance Agency to Join
Evaluate an insurance agency's contracts, training, carrier access, lead arrangements and approach to client service.
Commissions & contracts
How Life Insurance Commissions Work
Learn commission concepts including advances, chargebacks, renewals and contract levels without earnings projections.
Understanding Life Insurance Chargebacks
Understand commission reversals, reserves, policy persistency and the contract terms governing agent chargebacks.
Questions to Ask Before Signing an Agent Contract
Review exclusivity, compensation, expenses, client ownership, restrictive covenants and exit provisions in agent agreements.
Owning Your Book of Business
Distinguish client servicing rights, data access, renewal compensation and contractual ownership in insurance agency agreements.
Vesting and Renewals Explained
Understand how vesting conditions, policy persistency, termination clauses and offsets affect renewal compensation.
Building your business
Buying Leads vs. Generating Your Own
Compare purchased insurance leads with referrals and self-generated inquiries through consent, expense and follow-up requirements.
Phone Sales vs. In-Home Life Insurance Sales
Compare virtual and in-home life insurance conversations, including licensing, consent, privacy, documentation and client preference.
Final Expense Agent Career Guide
Prepare for responsible final expense conversations with seniors, including affordability, waiting periods and application accuracy.
Mortgage Protection Agent Career Guide
Learn needs-based mortgage protection discussions, including debt, household income, term duration and honest product explanations.
IUL Sales Ethics and Suitability
Discuss IUL responsibly through insurance need, charges, non-guaranteed illustrations, funding risk and ongoing policy review.
Compliance Basics for New Life Insurance Agents
Build responsible agent habits around licensing, replacements, consent, advertising, privacy and accurate insurance applications.
Your First 90 Days as a New Life Insurance Agent
A preparation-focused first-90-days framework for licensing, product knowledge, client conversations and responsible business habits.
From Part-Time to Full-Time Life Insurance Agent
Evaluate a move to full-time independent insurance work through expenses, capacity, contracts and household financial resilience.
Switching companies
Considering Leaving State Farm to Go Independent
A respectful transition checklist for State Farm-affiliated agents reviewing their own contract, licenses, appointments and client rights.
Considering Leaving American Income Life to Go Independent
Review agreements, outstanding obligations, release procedures and client servicing before leaving an American Income Life-affiliated role.
Considering Leaving Globe Life to Go Independent
A contract-first guide for Globe Life-affiliated agents considering independent carrier access, appointments and responsible client transitions.
Frequently asked questions
Is joining Family Bridge Financial an employee position?
No. These are independent-contractor opportunities, not employment. Review your proposed agreement and responsibility for expenses, taxes and required authorizations before deciding.
Can I apply before I have a life insurance license?
Yes. We can discuss preparation with people who are not yet licensed or are in progress. Activities requiring a license must wait until the required licenses and appointments are active.
Are leads or earnings guaranteed?
No. Lead programs may be available, subject to terms and availability. Training, carrier access and affiliation are not promises of production or income.
Explore an independent-agent fit
Licensed or working toward your license? Let’s talk.