Life Insurance Referral Program
Exceptional Referral Fee Opportunities
Earn substantial referral fees on life insurance referrals without taking time away from your Property and Casualty, Medicare Supplements or Health Insurance Business!
Explore Our ProgramServices
Explore What We Offer
The best referral fee structure for all aspects of life insurance referrals
Simple Referral Process
You simply pass along your client's contact information, and we take it from there all the way through issuing the policy. You earn a substantial referral fee just for the referral!
Complete Case Management
We have built a team of experts to handle your life insurance cases from the initial policy needs conversation to the last underwriting requirements and issuance.
Custom Policy Solutions
If your client has specific needs, our underwriting team can help find the perfect solution no matter the health condition or life event!
Ongoing Support
We provide continuous support to ensure your clients remain satisfied throughout the policy lifecycle!
Compensation Structure
Tailored to Your Licensing Status
Non-Life Licensed Agents
Referral Fee: Referral fees paid directly by our agency, based on policy premium
Requirements: No life insurance license required
Process: Simple referral - we handle everything
Payment: Direct payment from our agency within 15 days of policy issuance
Life Licensed Agents
Two Options Available:
Option 1 - Referral Partner (60/40): 40% referral fee paid directly by our agency
Option 2 - Joint Application (50/50): 50% commission split paid directly by carrier. Access to client portals and case tracking.
Testimonials
Hear From Our Partner Agents
"It's been a beneficial partnership! Jon and his team handled my first life insurance referral perfectly, including all underwriting, client communication, and policy delivery. Easy money. I strongly recommend this program to any P&C agent."
– Sarah M., Property & Casualty Agent
"Jon and his staff are amazing! Their communication is fantastic, and they have handled multiple life insurance cases for my senior clients. Their attention to detail and client service is outstanding. I've written twice as much life insurance business this year without any additional work on my part!"
— Robert K., Medicare Supplement Agency Owner
"Every now and then you find a partnership that truly delivers on its promises. Jon's work has exceeded my expectations. What started as a simple referral became a substantial payment, and they honored every commitment. Excellent work!"
– Jeffrey D., Health Insurance Specialist
Who We Serve
All Licensed Insurance Agents
Property & Casualty Agents
You have property and casualty lines clients who need life insurance coverage, but you don't feel like an expert. That's where we come in! We have a knack for handling those complex life insurance needs that are outside your specialty area.
Medicare Supplement Agencies
Life insurance expertise is an investment in your client relationships. We can help you expand your service offerings to seniors while maintaining focus on your core Medicare supplement business!
Health Insurance Agencies
We know seasonal product sales can make it difficult to serve other needs of your clients. A simple referral to us and expert care puts more premium back into your agency.
Life Insurance Products We Offer
Comprehensive Coverage Options for Your Clients
Mortgage Protection Term Life Insurance
Term Life Insurance
Guaranteed Universal Life Insurance
Indexed Universal Life Insurance
Whole Life Insurance
Final Expense Life Insurance
Frequently Asked Questions
How soon will I receive my payment?
We represent 60+ companies to make sure we are offering the best rate and contract available, so there are many different company payment schedules, but all payments are processed within 15 days of policy issuance and first premium payment!
Do I need a life insurance license?
Not necessarily! For P&C agents without life licenses, we handle all aspects of the life insurance sale and you receive referral fees. If you'd like to have access to your referrals' backend policy statuses or want to explore commission opportunities, you would need to be licensed and contracted.
What compensation can I expect?
For non-licensed agents, we offer generous referral fees based on the total policy premium that is paid directly by our agency. For life-licensed agents, we offer two options: referral partnership with competitive fees, or commission partnership with direct carrier payment. Specific compensation details are discussed during our consultation process.
How do I track my referrals?
You'll receive access to our partner portal where you can track all referrals and payment status in real-time! To satisfy insurance and privacy laws, access to detailed client portals requires proper licensing and contracting.
Join Our Referral Program
Ready to start earning referral fees on life insurance referrals?
Meet Our Team
Over 30 years of life insurance experience....
Jon Stenstad
Senior Life Insurance Consultant
With 30+ years in life insurance sales and underwriting expertise, Jon ensures every referral receives expert evaluation and competitive policy options.