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ROAD TO $40,000 AP
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Master Your Script

9 complete scripts — opening to close

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Objection Handling

10 objections with full responses

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Insurance Carriers

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Book of Business
PRODUCTION TRACKER
Log every sale, track your AP by day, week, and month, and see your exact commission payout — whether it's a Jr. Broker deal or your own agent number.
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BOOK OF BUSINESS

Date Client Carrier / Product Policy # AP Deal Type Commission Status
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JR. BROKER DEAL SUBMISSION
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👤 Client Information
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📝 Agent Notes

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Master Your Script
THE COMPLETE SCRIPTS
This is your playbook. Every word is tested and refined. Trust the script, deliver it with genuine care, and the close will follow naturally.
Opening the Call: Get back to them quickly and with energy. Match their name to the lead card. Lead with warmth — you're following up on their request, not cold calling.
Agent
Hey [First Name]?! Yeah hey [First Name], [Agent Name] here, just getting back to you in regards to the life insurance benefits out here/there in [STATE]...
Agent
I see you wanted to leave some money behind for your family, is that correct?
Purpose: Find out exactly what they're trying to accomplish — burial only, leaving money behind for family, or both. This determines the coverage range you'll work with.
Agent
Ok got it! So, fill in the blanks for me [First Name] — were you looking to cover JUST your final expenses, leave some extra cash behind for [beneficiary], or maybe a little bit of both?
1. If BURIAL only:
Agent
Ok got it just the burial… so for the burial [First Name], in [STATE] you're looking at about $10,000 maybe $15,000 just so your [beneficiary] won't have to come out of pocket. I can definitely take care of that for you — now just to see what options are available…
2. If FAMILY (leaving money behind):
Agent
Ok and you're looking in the range of $10,000, maybe $20,000 to leave behind for [beneficiary], does that sound about right, or do we need to look a little bit higher? Ok got it, now just to see what options are available for you [First Name]…
3. If BOTH:
Agent
Ok so what we're looking at here is right around $10,000 for the burial, you know, and since you do wanna leave some EXTRA cash behind for [beneficiary], you probably need another $10–15k of coverage, so we can start looking in that range — and just to see what options are available for you…
Coverage Range Guide: Cremation: $4–6K  |  Burial: $10–15K  |  Family: $5K–$200K  |  Both: $10K–$400K
Purpose: These questions determine which carrier and plan type the client qualifies for. Go through them in order — don't skip. Every answer routes to a specific product.
Agent
Do you smoke any tobacco or cigarettes?
Agent
Now do we have any COPD or Asthma?
Agent
Any Diabetes, Cancers, or Kidney Issues? [If Diabetes: "With or Without Complications?"]
Agent
Ok got it, now what about any congestive heart failure, fibro-myalgia, lupus, MS, Parkinsons, Huntington's Disease, sickle cell anemia, or Lou Gehrig's?
Agent
Lastly, any Alzheimer's or Dementia?
Agent
Any prescription medications?
Agent
Okay, now they need you to verify your date of birth, so go right ahead.
Carrier Routing by Condition:
Standard Conditions
  • High BP → Everything
  • Cholesterol → Everything
  • Diabetes → Everything
Specific Routing
  • CHF / Parkinson's → TransAmerica FExpress SELECT
  • COPD (no Albuterol) → TransAmerica FExpress or Aetna
  • Heart Attack / Stroke / Cancer (last 2 yrs) → AMAM ROP
  • Severe Medical / Dying → AIG GIWL
After Medical Questions: You now know which carrier they qualify for. Introduce the carrier with confidence and enthusiasm — make them feel like they landed somewhere good.
Agent
Ok got it. So [First Name], it does look like you'll be able to pre-qualify for one of the companies we work with called [CARRIER] — you might've heard of them before. They've been around for over 100 years. You know, they're a great company — one of my favorites. They've actually never missed a payout claim, so you'd be in REAL good hands with them.
Agent
Now under [Carrier], you're eligible for their [Preferred / Guaranteed Issue] coverage — what this means is…
Preferred Coverage (Day 1 Full Protection):
Agent
…there's NO WAITING PERIODS, NO EXPIRATION DATES — you're covered for life. And MOST IMPORTANTLY, the rates will NEVER go up on you as you get older. You pre-qualified for the best coverage you can get. Does that make sense?
Modified / Guaranteed Issue Explanation:
Agent
…for those first two years of the plan, you get back all of your premiums plus 10% coverage. Then after the second year you have full coverage. The reason it's set up like this is just the combination of health conditions you have can often be very difficult to find coverage for — so it's really good that we were able to find something here. Does that make sense?
Strategy: Always present 3 options — Silver, Middle, and Gold. Never recommend the Gold upfront. Let them choose. The most important thing is that it's comfortable for the long term.
Agent
Ok great. And… [First Name], [Carrier] has a couple of options here for you.
Agent
The first one would give [BENEFICIARY] $_____ of guaranteed, day one, coverage — and that would come in at $_____ a month…
Agent
The next level up would be $_____ of coverage. This one right here would fully cover the burial and leave some extra cash behind for [BENEFICIARY] — and this one comes in at $_____ a month, and then…
Agent
The last program available for you [Name] is the gold program. This gives [beneficiary] $_____ of guaranteed, day one coverage — and that would come in at $_____ a month. But honestly, I don't really recommend starting off with the gold, because the most important thing is — price wise, this needs to be comfortable for the long term. So if you had a choice [First Name], which one of these would give you the MOST peace of mind? The $_____ or $_____?
Agent
Ok got it, the $_____. So what I can do [First Name] is I can check with [CARRIER] just to make sure you'll actually be medically approved for this coverage. So let's just take a quick look here to see if we can get the official green light…
Starting the App: Move smoothly into the application — treat it as a natural continuation of the conversation, not a separate step.
Agent
And let's go ahead and get started with your zip code — what's your zip code there?
Agent
Ok, now your street address and city? [Make sure you get full address and verify city + zip]
Agent
Now I'm curious [First Name] — by any chance are you on a fixed income?
YES — Fixed Income:
Agent
Ok, and is that Social Security?... or disability? Got it — and do you receive those benefits in the mail, on a card, or do you have them sent to your bank every month? Ok perfect, and what day of the month do you receive that on? [3rd of the month or a specific Wednesday?] On the [Day — 3W, 2W, 15th etc]… Ok, so here's what I'll do for you [First Name] — I'll actually go and try to qualify you for the fixed-income-friendly policy plan. What that'll do for you is make sure that your monthly payment not only NEVER goes up on you, but because you said you received those payments on a fixed schedule, I'll also try and get you medically approved by that date, OK?!
NO — Not Fixed Income:
Agent
Ok, not a problem — so if we can get you medically approved here, would you want this coverage to start in a couple days, or 1–2 weeks out? Ok got it, so what we'll do is we'll work here to get you medically approved by the [date], so if something happens to you after that, your loved ones will be fully covered with access to the funds within 48–72 hours. Okay?!
Confirming Name & Info:
Agent
Ok perfect! Now just to confirm, I have your name as [Name] — is that correct? And I have your Date of Birth as [DOB] — yes? And the number I'm calling you on right now, is this your mobile number? Ok, and you can receive text messages on it, right?!
Agent
[Skip if mobile w/text]: Ok not a problem — what's your email address?
Agent
Ok got it, now just to confirm — the primary beneficiary would be your [Beneficiary], correct? Alright, so you want [beneficiary] to receive 100% of the benefit — is that right? Ok perfect, now they need your beneficiary's first and last name, so go ahead with that. Ok got it — and the last thing here for [Beneficiary] is they need an emergency contact number for them. What's their cell phone number?
Agent
Alright, so we should be about good to go here… They just need you to ballpark your height and weight for me — what are we looking at there? Ok and your state of birth — what state were you born in?
Agent
Ok got it… Now [First Name], I'm gonna be your servicing agent moving forward. I want you to take down MY contact information — you know, to reach out if you have any questions when the package arrives. And by the way — really, feel free to text me, call me, whatever you need, don't hesitate. So go ahead and grab a pen and paper and let me know when you have that ready.
Agent
Awesome, OK. I want you to write down my first and last name — [FIRST LAST]. My personal cell phone number is [YOUR NUMBER]. Did you get that? Ok great… So do me a favor [First Name] — when we get off the line, save my number in your phone as [First Name] the insurance broker, just so you have easy access to me at all times. I also want you to give my personal number to your [beneficiary] so God forbid if there is an emergency, they can reach out to me if they need help claiming the money — it's just better for them to have it than not, OK?!
Agent
Ok, now very important — I also want you to write this down: the policy recap — [Carrier, effective date, benefit amount, premium]. You got all that? Does that make sense? Ok go ahead and read that back to me to make sure we're on the same page.
Legal Questions before Social:
Agent
Now I'm legally required to ask these questions… In the past 2 years have you had any strokes or seizures? Ok, and what about hospitalized — have you been hospitalized in the past 2 years? Ok, and are you currently confined to a wheelchair or scooter? Ok, and [First Name], do you believe that you've answered these medical questions truthfully and to the best of your ability?
Purpose: Every company requires a social for a medical and prescription background check. Lead with the explanation so they understand why before you ask.
Agent
Ok great… So like I mentioned, every company does a medical and prescription background check — they're gonna verify any recent hospital visits and current prescriptions. And that's gonna be tied to your social, so go right ahead with that.
If they ask "You need my social?":
Agent
Yessir / Yes Ma'am… just go ahead with that when you're ready.
If they ask "Why do you need my social?":
Agent
Yup, so the reason they do require a social here on file is just to verify that the information you provided me about your medical background is correct. You know, God forbid you did have cancer or any serious health issues — that would make your rates go up drastically. So for that reason they do a medical background check. And I'm sure all the information you gave me is accurate, so there should be no issue. So whenever you're ready, just go ahead with the social.
If they refuse entirely:
Agent
I totally understand you don't want to give out your social over the phone. Between you and I [First Name] — if I were to use any of your information in ANY unethical way, because I'm a state licensed Insurance Broker, I could face up to twenty years in prison, and it just wouldn't be worth it for me, you know — and I also don't look good in an orange jumpsuit. So whenever you are ready, go ahead with the social.
Buffer Recap before Banking: Always do a quick recap before asking for bank info. This re-anchors the value and reminds them what they're committing to.
Agent
Ok, so just to review what we're doing here [First Name] — we're working to get you medically approved here for _____ thousand dollars in GUARANTEED DAY ONE coverage with [Carrier]. We have it set up so if something happens to you, your [beneficiary] will receive the full _____ thousand immediately within 48 hours and in cash — no taxes applied. This will be in full effect on [Effective Date], if we can get you approved.
Agent
So starting on [Effective Date] [First Name] — if we get the approval — would you be setting this up with a checking or savings account? Which one works better?
Agent
Ok great — and who do you bank with? Is it a major US bank or a credit union? Got it — and did you open that account in [current State/Location]?
Agent
[Google their bank's routing number in their state] Ok good news — so it looks like [bank] is a preferred vendor with [carrier], so the routing number should auto-populate in my system. Give me one second… Ok, so I have the routing number as _____ — go ahead and verify that for me. [Checkbook, mobile app, statement]
Agent
Ok perfect — now go ahead with the account number.
If they ask "You need my account number?":
Agent
Yessir / Yes Ma'am… just go ahead with that when you're ready.
If they push back on giving account number (first time):
Agent
I totally understand [First Name] — but every insurance company does require a valid bank account on file just so they know where to bill you when that [date] comes around. So go right ahead with the account number.
If they still refuse (second time):
Agent
I totally understand you don't want to give out your bank information over the phone. I did just give you all of my personal information — including my full name, my personal cell phone number, and my insurance license number. If I were to use any of your information in any unethical way, I could face up to twenty years in prison, and it just wouldn't be worth it for me — and I also don't look good in an orange jumpsuit. So whenever you're ready, go ahead with the account number.
Agent
Ok and just to confirm — the account number is _____, is that correct? Ok perfect — and is this bank account in your name?
Purpose: Lock in the sale, confirm they understand what they bought, gather contingent beneficiaries, and leave on a high note. This step prevents chargebacks and buyer's remorse.
Agent
Ok great! So I just need to finish adding the last bit of information here — give me about a minute or so [First Name], hang tight okay. I might need to ask you some questions so don't put the phone down. [MAKE SMALL TALK WHILE FILLING OUT THE APP]
Agent
[COMPLETE APPLICATION WITH E-SIGNATURE, SUBMIT, WAIT FOR APPROVAL, CONGRATULATE THEM IF APPROVED THEN CONTINUE BELOW]
Agent
Now [First Name], I just wanna make sure that you're gonna have enough in your account on a month to month basis for the policy. The worst thing that can happen is your policy lapses, leaving you without ANY coverage — so I just wanna confirm that this is completely comfortable for you?
Agent
Ok perfect. So we've set this out to [policy effective date] so nothing starts until then, OK.
Agent
Ok, and obviously [First Name], I know what we did here today — but could you describe to me in your own words what we did here, so I know we're on the same page? [WAIT FOR ANSWER] Yes, exactly — and do you remember the monthly premium on that? And is that price ever gonna go up on you?
Agent
That's right! You got it… So like I mentioned earlier, I'm gonna be your servicing agent. If you ever need anything, I'm always gonna be here for you — just shoot me a text or give me a call on my personal line, okay?
Agent
Ok, and while I do have you on the line [First Name] — who are 3 contingent beneficiaries we can add, just as a safety precaution, if God forbid your [Beneficiary] isn't around to collect the benefit? [Gather: Name, Phone Number for each]
Agent
Alright perfect [Client Name] — do you have any questions for me before I let you go?
Agent
Ok great, and last time here — just to review everything: this is going to be $_____ of coverage coming in at $_____ per month, and this will be put in place on [date]. Sound good?!
Agent
Ok perfect — well [First Name], it was great speaking with you today. Have a great day. Alright, stay safe — God bless!
Objection Handling
HANDLE EVERY OBJECTION
Every objection is a request for more information or reassurance. Never argue, never pressure. Acknowledge, validate, then redirect. These are the 10 most common objections you'll face.
💰
"I can't afford it right now."

Acknowledge: "I completely understand — budget is a real concern and I respect that."

Redirect: "Can I ask — what's a number that would feel manageable? Even $20–$30 a month gives your family something. Let me see if I can find an option that works within that. The worst thing would be to have nothing at all."

✓ Always offer the graded/modified plan as a bridge option
🤔
"I need to talk to my spouse/family first."

Acknowledge: "That's completely reasonable — it's a family decision."

Redirect: "Is your [spouse] home right now? I'd love to include them in the conversation so everyone's on the same page. Sometimes it's easiest when we can all look at the information together." If not home: "What time would work for a 3-way call so I can walk you both through it at the same time?"

✓ Try to conference in the decision maker immediately
📞
"I'm not interested."

Don't hang up yet. "I completely understand. Can I ask you just one question before I let you go? Do you currently have any life insurance coverage in place?"

If no: "That's actually the most common reason people reach out to us. I just want to make sure you have the information — it takes about 5 minutes and there's absolutely no obligation. Would you be willing to just hear what's available to you?"

✓ The question buys you a second chance to open the conversation
🏥
"I have too many health problems."

Acknowledge: "I hear that a lot, and I completely understand the concern."

Redirect: "The good news is — that's exactly why final expense insurance exists. These plans are designed specifically for people who have health challenges. We have carriers that accept most conditions without a medical exam. Can I ask you a few quick health questions so I can tell you exactly what you qualify for right now?"

✓ Move to the health questionnaire — most people qualify for something
⏰
"Just send me something in the mail."

Acknowledge: "Absolutely, I can do that."

Redirect: "The challenge with mail is it can take 2–3 weeks, and the rates I have available to you right now might not be the same when you call back in. The only way I can lock in today's rate for you is if we complete the application while I have you on the line. It literally takes 10 minutes. Can we just go ahead and do that now while I have everything pulled up?"

✓ Urgency is truthful — rates and availability can change
🔒
"I already have coverage through my job."

Acknowledge: "That's great — group coverage is a good starting point."

Redirect: "Can I ask — do you know exactly how much that covers? Most employer policies are 1x or 2x salary, which rarely covers final expenses AND outstanding debts. And the bigger issue is — that coverage goes away the day you retire or change jobs. What I offer you today is yours forever, no matter what happens with your employment."

✓ Group coverage is temporary — permanent coverage is the key differentiator
📊
"I want to shop around and compare."

Acknowledge: "That makes total sense — being a smart consumer is important."

Redirect: "Here's the thing — I actually work with 8 different carriers, so I've already done the shopping for you. What I've presented to you is the best available option based on your age, health, and budget from all the major final expense carriers. You won't find a better rate by calling around — and if you do find something, I want you to call me back and I'll either match it or beat it."

✓ Position yourself as the shopper — you've already done the comparison
😤
"I've been burned by insurance companies before."

Acknowledge: "I am so sorry to hear that. Unfortunately, not all insurance products are created equal, and I understand why that would make you hesitant."

Redirect: "What I want to offer you is something completely transparent. I'll walk you through exactly what this policy covers, what it doesn't cover, and every single term before you sign anything. No surprises. Can I take 5 minutes to show you exactly what you'd be getting?"

✓ Transparency rebuilds trust — slow down and over-explain the policy
🧾
"I don't give out my bank info over the phone."

Acknowledge: "That's a really smart policy and I completely respect that."

Redirect: "What I want you to know is that I'm a licensed insurance agent contracted directly with [Carrier Name], and all your payment information goes directly through their encrypted portal — it never sits in my system at all. That said, if you'd prefer, we also have a monthly coupon pay option where you receive a bill and send a check."

✓ Offer the coupon pay option as a legitimate alternative
👨‍👩‍👧
"My kids will take care of it."

Acknowledge: "I love that you have that support system — that's wonderful."

Redirect: "Can I ask — have you actually talked with them about it? Because what I find most often is that people's children would do anything for their parents, but funerals are expensive and unexpected. The last thing your kids need in that moment is to be scrambling for $12,000–$15,000 on top of their grief. This isn't about you — it's actually a gift TO them."

✓ Shift the frame — this is a gift for your children, not just for you
Carrier Portfolio
YOUR INSURANCE CARRIERS
You'll be contracted with multiple A-rated carriers, giving you options for every health situation. Know your carriers cold — the right carrier for the right client is the difference between a sale and a decline.
Americo
Final Expense Whole Life
  • Eagle Premier Series
  • Level, Graded, and Modified benefit plans
  • Issue ages: 50–85
  • Face amounts: $2,000–$30,000
  • Simplified issue — no exam
✓ Best for: Competitive level rates, strong underwriting flexibility
Aetna / CVS Health
Final Expense Whole Life
  • Guaranteed Issue option available
  • Issue ages: 40–89 (GI: 40–80)
  • Face amounts: $2,000–$25,000
  • No medical exam, no health questions (GI)
  • Automatic premium loan rider
✓ Best for: Uninsurable clients — guaranteed issue is your last resort option
Ethos
Term & Whole Life
  • Instant decision — fully digital platform
  • Term life: 10, 15, 20, 30 year options
  • Whole life available for seniors
  • Issue ages: 20–85
  • No medical exam for most applicants
✓ Best for: Tech-savvy clients, fast approvals, younger applicants needing term
Transamerica
Final Expense & Life Insurance
  • Trendsetter Super — Term Life
  • Final Expense solution for seniors
  • Issue ages: 45–85 (FE)
  • Face amounts: $1,000–$50,000
  • Strong brand — high client trust
✓ Best for: Brand-name recognition, clients wanting a well-known carrier
AIG / American General
Guaranteed Issue Whole Life
  • Guaranteed Issue — no health questions
  • Issue ages: 50–80
  • Face amounts: $5,000–$25,000
  • Graded benefit — full payout after 2 years
  • Builds cash value over time
✓ Best for: High-risk health clients who can't qualify for simplified issue
American-Amicable
Whole Life Final Expense
  • Pioneer Security Life — Level Benefit
  • Immediate Benefit (Level Day 1)
  • Issue ages: 50–85
  • Face amounts: $2,500–$35,000
  • Simplified issue — no exam
✓ Best for: Standard health, competitive rates, great e-app experience
Carrier Selection Guide: Healthy client, standard health → Start with Americo or American-Amicable (Level). Brand-name preference → Transamerica. Fast digital approval needed → Ethos. Uninsurable (multiple knockouts) → AIG GI or Aetna GI. Multiple health issues, moderate risk → Aetna Graded. Always run quotes across all carriers before presenting.
Product Strategy
THE THREE REASONS THEY BECAME A LEAD
Every senior who becomes a lead did so for one of three reasons. Your job is to identify which one as early as possible in the conversation — everything else follows from that.
The Golden Rule: Don't assume. Ask. The fastest way to close is to understand exactly why they reached out — then solve that specific problem. Misidentifying their intent wastes time and kills trust.
Reason 1
First Policy
They have no coverage in place. They're reaching out because they want to get something started and protect their family. This is the most straightforward conversation — your job is to qualify them, present the right option, and close.
Reason 2
Additional Coverage
They already have a policy but feel it isn't enough. They want to add more coverage on top of what they have. Identify the existing policy, find the gap, and present a supplemental option that fills it without replacing what's already working.
Reason 3
Lower Rate
They're already covered but suspect they're overpaying — and they're usually right. Most seniors are on outdated policies with rates that have never been reviewed. They want to see if they can get the same or better coverage for less money.

HOW TO IDENTIFY INTENT EARLY

Ask this during the Needs Assessment — before you ever quote a number. One question unlocks the entire direction of the call.

🎯 Intent Discovery Question
Agent
"Before I pull anything up — can I ask, do you currently have any life insurance coverage in place right now?"
They say "No"
→ Reason 1. They need their first policy. Move directly into the needs assessment and build from scratch.
They say "Yes, but not enough"
→ Reason 2. Ask how much they have and what they feel is missing. Present a supplemental policy to fill the gap.
They say "Yes, I have coverage"
→ Reason 3. Ask what they're paying. Most seniors are overpaying. Run a comparison and show them a better rate.
1️⃣
Working a Reason 1 — First Policy

They have nothing in place. Keep it simple — don't overwhelm them. Run through the needs assessment, identify their health profile, pick the best carrier, and present two options at different face amounts.

"Based on what you've shared with me, I have a couple of really solid options I want to walk you through. There's no exam — just a few health questions we already covered. Let me show you what I'm seeing right now..."

✓ Goal: Get the first policy submitted before hanging up
2️⃣
Working a Reason 2 — Additional Coverage

Find out exactly what they have — carrier, face amount, monthly premium, how long they've had it. Then identify the gap. Are they short on coverage? Are there debts or medical bills not accounted for?

"So you have $10,000 in place — that's a great start. The average funeral today runs $12,000–$15,000 and that doesn't include any outstanding bills. Can I show you what it would cost to add another $5,000–$10,000 on top of what you already have?"

✓ Never touch their existing policy — add to it
3️⃣
Working a Reason 3 — Lower Rate

Ask what they're currently paying and for how much coverage. Most seniors took out policies years ago at higher rates and have never shopped since. Run a comparison across your carriers and show them the savings.

"You're paying $180 a month for $15,000 in coverage? Let me run that through a couple of our carriers real quick... I'm looking at $15,000 in coverage for $112 a month with the same guaranteed whole life structure. That's $68 a month back in your pocket. Want me to get that switched over for you today?"

✓ Savings = emotional win — make the math visible and simple
Why This Matters: Agents who identify intent in the first 2 minutes of the call close at a significantly higher rate than those who launch straight into a pitch. The consumer already knows what they want — your job is to find out what that is and deliver it. Stop selling. Start solving.
Technology
AI DIALER SYSTEM
The AI Dialer is your power dialing system. Master this tool and you'll make 3x the contacts of a manual dialer. Here's everything you need to log in, set up, and maximize your dial sessions.
💳 Dialer Seat Fee
Monthly seat fee$200 / month
Lead cost$0 — FREE
Seat fee waived when$10,000+ AP prior month
Live transfer upgrades$29/call (after $15K AP/mo)

How to Get Started

1
Access the AI Dialer

Send $200 via Zelle to 2096404492 — the name will appear under Tyler Ortiz.

2
Receive Your Credentials

Your AI Dialer login credentials will be sent to you within 24 hours via text.

3
Log In at FrontlineDialer.com

The dialer can only be accessed on a laptop or desktop and must be used in Google Chrome. Visit frontlinedialer.com to log in.

4
Set Status to READY

To begin dialing, change the dropdown at the top of the dialer from Prep/Break to READY.

5
Put in the Time

Spend as much time on the dialer as possible. It will take 1–2 weeks of continuous application to become proficient at outbound telesales — commit to the process.

6
Embrace the Challenge

Be comfortable with a challenging task that becomes easier every single day you spend on the dialer. Every rep sharpens the skill.

AI Dialer Full Walkthrough
Video coming soon

Key Features to Master

⚡

Power Dialing

Dials multiple lines simultaneously. Connects you only when a live person answers. 3–5x more contacts per hour vs manual.

📋

Lead Notes

Add detailed notes after every call. Note objections, family info, health conditions, best callback times.

📅

Scheduled Callbacks

Set specific date/time callbacks. System auto-presents the lead at the right time. Never miss a follow-up.

📊

Call Reports

Review your daily stats: dials, contacts, talk time, dispositions. Share with team leader in daily check-in.

🎙️

Call Recording

All calls are recorded. Use recordings for self-coaching. Trainer may review recordings for feedback sessions.

🔇

Do Not Call

DNC flag immediately removes a number from all future campaigns. ALWAYS respect DNC requests — legal requirement.

Daily Dial Minimums: Minimum of 200 dials per day and 2.5 hours of talk time. Agents averaging 250+ dials and 3+ hours daily consistently hit $10,000+ AP per week. The dialer works when you work it.
Training Library
VIDEO TRAINING CENTER
Your complete sales training library. Work through each section in order — every video builds on the last. Click any section to expand it.
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Knowledge Check
CERTIFICATION QUIZ
You must score 80% or higher (80 out of 100) to earn your certification and unlock live dialing access. Questions cover scripts, underwriting, carriers, objections, compensation, and program structure. No skipping — complete all 100 questions honestly.
Your Roadmap to $40K AP
THE 90-DAY GROWTH CURVE
This isn't a projection — it's a proven roadmap. Agents who follow the system, hit their daily KPIs, and master the script consistently achieve this trajectory. Every level you hit unlocks higher compensation automatically.
Monthly AP Submitted — 90-Day Trajectory
$0
Wk 1
$2K
Wk 2
$4K
Wk 3
$6K
Wk 4
$8K
Wk 5
$10K
Wk 6
$14K
Wk 7
$18K
Wk 8
$25K
Wk 9
$30K
Wk 10
$36K
Wk 11
$40K+
Wk 12
Week 1–2
$0–$4K
Monthly AP
0–2 policies/week
Learning the system, first contacts, script reps
Week 3–4
$4–$8K
Monthly AP
2–4 policies/week
Script improving, close rate rising
Month 2
$10–$20K
Monthly AP
4–8 policies/week
Momentum building, callbacks converting
Month 3
$40K+
Monthly AP
10–15 policies/week
Full stride, 3-policy strategy firing

HOW TO REACH 100% COMPENSATION

Your compensation level advances automatically based on your issued AP the prior month. There is no application, no waiting, no approval needed — hit the number and your rate increases on the 1st of the following month. Every level is held as long as you maintain that production. All commissions are paid at a fixed 75% advance rate.

65%
Starting Level
Requirement
$0 Issued AP
Every agent starts here from day one
Example Payout
$1,000 AP policy
$487.50 advanced (65% × 75%)
Monthly at $10K AP
~$4,875
advanced commission
70%
Level 2
Requirement
$10,000 Issued AP/month
~8–10 policies/month at avg $1,000 AP
Example Payout
$1,000 AP policy
$525.00 advanced (70% × 75%)
Monthly at $10K AP
~$5,250
advanced commission
80%
Level 3
Requirement
$20,000 Issued AP/month
~18–20 policies/month — approx. 1/day
Example Payout
$1,000 AP policy
$600.00 advanced (80% × 75%)
Monthly at $20K AP
~$12,000
advanced commission
90%
Level 4
Requirement
$30,000 Issued AP/month
~27–30 policies/month — 1.5/day average
Example Payout
$1,000 AP policy
$675.00 advanced (90% × 75%)
Monthly at $30K AP
~$20,250
advanced commission
100%
Elite Level
Requirement
$40,000 Issued AP/month
~36–40 policies/month — 2+ sales every day
Example Payout
$1,000 AP policy
$750.00 advanced (100% × 75%)
Monthly at $40K AP
~$30,000
advanced commission/month

HOW LEVEL ADVANCEMENT WORKS

1. Your comp level is determined by your issued AP from the prior month — not submitted. Policies must be placed and paid.
2. Level upgrades are automatic and take effect on the 1st of the following month. No paperwork. No waiting on anyone.
3. Levels can also go down if production drops. Maintain your issued AP monthly to protect your rate.
4. Chargebacks count against you. A lapsed policy reduces your issued AP and can roll back your comp level. Protect your placement ratio.
5. All advances are paid at 75% of earned commission. The remaining 25% is held as a chargeback reserve and paid out as policies mature.

THE FASTEST PATH TO 100%

✓ 300+ dials every day. Volume is non-negotiable. The math only works at scale. Top agents hit 400–500.
✓ Work your callbacks hard. 60–70% of your income lives in follow-up calls 3–5. Set them. Work them. Close them.
✓ Average $1,000+ AP per policy. Aim for $80–$90/month premiums. One upsell per day compounds fast.
✓ Protect your placement ratio. 90%+ placement keeps chargebacks minimal and ensures your issued AP stays clean.
✓ Use Jr. Broker deals strategically. Each approved deal adds to your AP — even if you didn't write it solo.

INCOME ESTIMATOR

See what your monthly advance looks like at any production level and comp rate.

The Bottom Line: Every $10,000 in monthly issued AP you add moves you to the next level. Going from 65% to 100% on $40K AP is the difference between $19,500/month and $30,000/month — a +$10,500 raise you earn by simply maintaining your production. The system rewards consistency.
Your Achievements
MY PROFILE & BADGES
Badges are earned by hitting AP milestones within a single calendar month. Every $5,000 in submitted AP unlocks a new badge. Collect them all.
👤
Agent
Agent
Badges Earned
0
of 10 total
This Month's Submitted AP
$0
Next Badge At
$5,000
$5,000 to go
All-Time Best Month
$0
Daily Standards
ACCOUNTABILITY & DAILY KPIs
Post your numbers every work day by 5:30 PM. Missing 2+ consecutive days without a reason puts your program status at risk. Consistency is the only path to $40K AP.
300+
Daily Dials
3hrs
Talk Time
10+
Quotes
1–3
Sales
90%
Placement
20%
Close Rate
📋 End-of-Day Report —
My KPI Summary
Activity Calendar
🟢 Worked🔴 Day Off (w/reason)⚫ No Report⬜ Weekend/Future

DAILY LOG HISTORY

Manager Only
MANAGER DASHBOARD
Manage agent logins, view team production, track onboarding progress, and review applicants — all in one place.
Active Portal Accounts

AGENT LOGIN MANAGER

➕ Create New Agent Login
Name
Username
Password
Role
Actions
⚠ Important: New logins created here are saved to persistent storage and will work immediately. The pre-loaded accounts (Agency Owner, Manager) are hardcoded and cannot be deleted from this interface. Share login credentials directly with each agent after they're approved.