North Life Group
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We talk with licensed life insurance agents and with people working toward a license. Contracting terms are shared on a call, never as a headline number.
Who we want to talk to
- Licensed life insurance agents who want an agency that explains its contract before asking for a signature.
- Agents who are unhappy with a release, a debt balance or a lead deal and want to understand their options first.
- People who are not licensed yet and want an honest picture of the cost, the exam and the first year before paying for a course.
Applying takes six short fields and costs nothing. Contracting terms are shared on a call. Go to the application.
What contracting with an agency means
In life insurance, joining an agency rarely looks like a salaried job. An independent agent usually works as a contractor under their own license, carries their own errors and omissions cover, and is paid commission by the insurers that appoint them. The agency supplies the contracts with insurers, support and sometimes leads, and is paid an override on what its agents write. Our side of that arrangement is laid out on how we are paid.
That model has a hard edge. With no salary, the first months can cost more than they pay, and an early lapse can turn paid commission into a debt. Anyone recruiting you should say so up front.
What the industry pays, as published
These are outside figures, labeled as industry data with their source and date. They are not what this agency pays, and they are not a promise of what anyone will earn.
| Measure | Figure | Who it covers | Source |
|---|---|---|---|
| Median annual wage | $60,370 | All insurance sales agents, life and property, May 2024 federal wage data | Aceable1 |
| Bottom 10 percent | $36,390 or less | Same group | Aceable1 |
| Top 10 percent | $135,660 or more | Same group | Aceable1 |
| First-year median | $44,000 | Phone final expense agents on purchased leads, per a lead seller's analysis | InsureLeads2 |
| Still contracted after four years | About 14% to 15% | New career-agency agents, LIMRA figures as reported | AgentMethods3 |
Industry data checked November 10, 2026. Wage data counts salaried and commissioned agents across all lines together.
The retention line is the one to sit with. One source that quotes it adds that cash flow, not sales talent, decides most first years.4 That is why we talk through money before anything else.
What it costs before the first check
Using Florida as the example, these are the published fees to get licensed, plus a common errors and omissions program for new agents. Course tuition is extra and varies by school.
| Cost | Amount |
|---|---|
| State exam, per attempt | $44 |
| Fingerprinting, plus county tax | $49.50 |
| License application | $50 |
| License ID fee | $5 |
| E&O for a newly licensed agent, paid in full | $354 |
Florida fees as reported by National Online Insurance School, August 9, 2026.5 E&O price from the SuranceBay program page, checked November 10, 2026.6
Fees are the small part. Leads, a phone setup and the months before commission arrives cost more, and they differ so much by niche that we would rather work through them with you than print one total.
How to read any insurance job ad
- Is the role salaried, or commission only? If the ad leans on uncapped pay, ask directly.
- Will you be paid by advance or as earned, and at what percent?
- Who pays for leads, how are they priced, and does that cost come out of your commission?
- If a policy lapses, who owes the chargeback, and does a debt follow you if you leave?
- What does the release policy say, and how long does a release take?
- Do you own your renewals, and from when?
- Is your contract level in writing, by insurer and product?
Any agency that will not answer these in writing is telling you something. We expect the same questions from you.
Our terms
Contracting terms are shared on a call. We go through the release policy, chargebacks and debt, leads, non-solicitation, vesting and advance options on that call, insurer by insurer. We do not print contract levels on this site, because they differ by insurer and product and we will not publish a number that is not in a written schedule.
Apply
Licensed or not, start here. We call you from (305) 699-5857.
Agents and future agents
Ready to see the terms on a call?
Contracting terms are shared on a call. Send the short application and we call you, or call us now.