What is BetterLifeQuotes.com?
BetterLifeQuotes.com is an NGA / IMO Hybrid & Distribution Partner that will beat your current commission levels and scale your current practice across final expense, term, IUL, UL and whole life. Through our exclusive NGA/IMO distribution partnership, experienced agents and agencies who meet our minimum requirements get access to select from 13 carriers, a 90% starting commission for solo agents starting out who meet our 6-month minimum requirement, up to 157%, plus back office support (a guided contracting roadmap, a members portal, a carrier resource directory and help with carrier appointments, transfers and contracting questions; sales training, telesales scripts, objection handling, closing strategies, personal coaching and ongoing professional development; an agent management system with production, commission and book-of-business reporting; the CallWave inbound call platform with lead strategy and ROI guidance; and recruiting, training and retention resources for agency growth). Independent, non-captive contracting: agents, new agencies, established agencies and healthcare agencies own their book of business, renewals and hierarchy, even upon release, and releases are granted. Our mission: scale solo agents, new agencies, established agencies and healthcare agencies by beating their current commission levels.
Final Expense, Term, IUL, UL and Whole Life IMO Contracting. Beat Your Current Commission Level
“It is our job to beat the current commission level of solo agents, new agencies, established agencies and healthcare agencies. Every solo agent with at least 6 months of continuous sales who meets our minimum requirements can start at 90% as their starting commission. We are here to beat your current comp. That is our job, and our mission is to scale agents, new agencies, established agencies and healthcare agencies with every life insurance product: final expense, term, IUL, UL and whole life.”
— Founder’s Mission
Why Agents Choose Us BetterLifeQuotes.com
We built a different kind of life insurance opportunity - one that puts agents and agencies first.
No pressure. No production requirements. No uplines hovering over you. No lead traps.
Just a partner whose job is to beat your current comp, with TRUE independence.
You Own Your Book of Business
Your clients are YOUR clients.
Your book is YOUR book.
We Beat Your Current Comp
True Independence No Micromanagement
You’re an independent agent or agency owner, and we treat you like one.
No daily check-ins. No activity policing. No cult-like pressure.
You own your book of business, renewals and hierarchy, even upon release. Releases are granted and never held for payment.
We provide opportunity. Not control.
No Lead Purchases, No Debt, No Traps
We don’t force you to:
Buy leads
Hit production minimums
Recruit to qualify
That’s how we keep compensation so high. YOU control your own lead flow.
Press & Media Coverage:
All the support we offer
Everything below comes with your contract on every product we contract: final expense, term, IUL, UL and whole life. Training is limited to agents who meet our minimum requirements and the new agents recruited by them or by a new, established or healthcare agency.
Carrier access and streamlined contracting
- Simplified onboarding: register and get immediate access to a guided contracting roadmap that walks you through the onboarding process.
- Dedicated members portal: once contracting is complete, you unlock the full members portal, with centralized access to the tools, training and resources you need to succeed.
- Carrier resource directory: carrier-specific training materials, contact information, department emails and phone numbers for service and support needs.
- Contracting support: help with carrier appointments, transfers and contracting questions.
Agent training and development
- Comprehensive sales training on every product for qualifying agents and the new agents recruited under them.
- Proven telesales scripts, objection-handling techniques and closing strategies.
- Personalized coaching and ongoing professional development.
Agent management system
- Simple and easy to use: a straightforward system focused on the essential tools agents and agencies need to manage their book of business, without unnecessary bells and whistles.
- Production and agent management: agency management tools to monitor production, track performance and manage agent relationships.
- Commission and book-of-business reporting: commission reporting and book-of-business management.
CallWave inbound call platform
- Comprehensive inbound calls: adjust inbound call specifications to suit your preferences and business needs.
- Lead strategy and ROI: guidance on lead strategies, conversion optimization and maximizing return on investment.
Support for agency growth
- Recruiting, training and retention resources to help agencies build productive, sustainable teams.
Leads are not included. Agents bring their own lead source.
Life insurance IMO contracting: quick answers
What is BetterLifeQuotes.com?
BetterLifeQuotes.com is an NGA / IMO Hybrid & Distribution Partner that will beat your current commission levels and scale your current practice. We contract solo agents, new agencies, established agencies and healthcare agencies for final expense, term, IUL, UL and whole life, with 13 carriers today and Ethos, Americo and many more on the way. Our job is to beat your current commission level, and our mission is to make sure you scale with every life insurance product. Solo agents starting out who meet our 6-month minimum requirement start at a 90% commission.
What products can I contract through BetterLifeQuotes.com?
Final expense, term life, indexed universal life (IUL), universal life (UL) and whole life. BetterLifeQuotes.com is no longer final expense only: our job is to beat your current commission level, and our mission is to make sure you scale with every life insurance product. Our 13 carriers include carriers that offer every one of these products, and Ethos, Americo and many more carriers are on the way.
Who can contract with BetterLifeQuotes.com?
Solo agents with at least 6 months of continuous life insurance sales, new agencies, established agencies and healthcare agencies. Each one has its own application: solo agents, new agencies, established agencies and healthcare agencies. Our job is to beat your current commission.
What commission can I start at?
Solo agents with at least 6 months of continuous sales who meet our minimum requirements can start at a 90% commission at contracting by choosing carriers that pay 90% or more, with up to 157% across 13 carriers. The 90% starting commission does not apply to new, established or healthcare agencies.
Which carriers can I contract with?
Aetna, Transamerica, AIG / Corebridge, American Amicable, American Home Life, Foresters, Royal Neighbors, Aflac, CICA, Liberty Bankers, Mutual of Omaha, GTL and Gerber, with Ethos, Americo and many more coming soon. Our carriers include carriers that offer final expense, term, IUL, UL and whole life. See each carrier's max commission on the carrier list.
What are the minimum requirements for solo agents?
An active life insurance license in good standing, at least 6 months of continuous life insurance sales, your own E&O, current AML certification, a clean background with no carrier or upline debt, an appointment with at least 1 carrier, a 13-month persistency of 70% or better (or a placement ratio of 70% or better), and your own lead source and tools.
Can healthcare agencies offer Medicare and ACA too?
Yes. Healthcare agencies can contract Medicare and ACA through our exclusive NGA / IMO partnership, in addition to final expense, term, IUL, UL and whole life, and they skip the solo agent application.
Do I own my book of business?
Yes. Agents, new agencies, established agencies and healthcare agencies own their book of business, renewals and hierarchy, even upon release. Releases are granted and never held for payment.
Are there production minimums or lead requirements?
No. There are no production minimums and no lead purchase requirement, and advance payouts are available on qualifying carriers.
What support do contracted agents get?
Back office support (a guided contracting roadmap, a members portal, a carrier resource directory and help with carrier appointments, transfers and contracting questions; sales training, telesales scripts, objection handling, closing strategies, personal coaching and ongoing professional development; an agent management system with production, commission and book-of-business reporting; the CallWave inbound call platform with lead strategy and ROI guidance; and recruiting, training and retention resources for agency growth), provided through our exclusive NGA / IMO distribution partnership, across every product we contract.
BetterLifeQuotes.com has been featured by financial, business and insurance news outlets for its mission to change how independent life insurance agents and agencies are compensated and supported.
Proud Member of the National Association of Insurance and Financial Advisors
Explore our Press & Media Coverage page for the latest updates and insights—click here to dive in!
Why Agents Join Us
At BetterLifeQuotes.com, we’re redefining what it means to be an independent life insurance agency or agent. Independent, non-captive contracting. No lead debt. No upline manipulation. Just true independence and commissions on final expense, term, IUL, UL and whole life, from a 90% starting commission for solo agents starting out who meet our 6-month minimum requirement, up to 157%. Agents join us for one reason, they’re tired of being controlled, underpaid, and misled. With BetterLifeQuotes.com, they finally get freedom and a partner whose job is to beat their current comp.
Ready to get contracted?
A 90% starting commission for solo agents starting out who meet our 6-month minimum requirement, up to 157%, and 13 carriers for final expense, term, IUL, UL and whole life, with Ethos, Americo and many more on the way. You own your book. No production minimums, no lead debt, no micromanagement.
The application takes about two minutes: your licensing, states, and experience. That’s everything we need to get started.
Questions first? Contact us.
