Careers in life insurance
NovaPoint Financial gives hardworking people from all backgrounds a real path into life insurance. We cover your pre-licensing course, map out your first steps, and surround you with structured training and mentorship that includes Hall of Fame producers.
Five stages, from your first lesson to a practice of your own.
The work
Reach people who want to protect their families through inquiries, referrals, and compliant outreach.
Learn who they’re protecting, what they want covered, and what they can comfortably afford.
Explain how the types of coverage differ, in plain language, so the family can decide with confidence.
Compare products from the carriers you’re appointed with and authorized to offer.
Complete the application accurately with the client and submit it to the carrier, which makes the underwriting decision.
Walk them through underwriting: what the carrier needs, how long it takes, and what happens next.
Stay the person they call after coverage is in place, for reviews, beneficiary changes, and questions.
Who we’re looking for
You bring the effort. We bring the system.
The system is everything around you: your pre-licensing course covered, structured training, mentorship, a proven sales process, and a daily workflow to follow. The habits that make you dependable at your job today are what make it work.
Wherever you’re coming from
You show up when you said you would.
You take feedback and put it to work.
You do the work on the ordinary days, too.
You’re ready to take on a whole new industry.
You return calls and keep people informed.
You can plan your own day and stick to it.
You finish what you start.
You’re willing to give something real time to grow.
Getting started
We take care of the pre-licensing course so you can focus on learning and getting started, and we help you map out your first steps toward a state license.
Learn the business from experienced producers, with a mentor in your corner while you find your footing.
Start with a daily rhythm that tells you what to focus on, so your energy goes into clients instead of guesswork.
The path is already mapped out, and you won’t be walking it alone.
How it works
Stage 01
Start your pre-licensing course where your state requires one, and we’ll help you understand the material. It’s where you learn how life insurance works and the language of the business.
Stage 02
Pass your state exam and apply for your license. Many states also require a background check. We’ll help you through each step.
Stage 03
Learn the products you’ll be authorized to offer, how a great client conversation flows, and how to do it all by the book. Then practice until it feels natural.
Stage 04
Start working with real clients, with a mentor close by while you build your rhythm and your confidence.
Stage 05
Keep growing as a producer and serving more families. Over time, the client relationships you build become the heart of your business.
Two ways in
No insurance background
We’ll help you get licensed, then train and mentor you as you learn the business, one step at a time.
What happens next
Licensed producers
Keep sharpening your craft with a team behind you: ongoing training, mentorship, and a culture built on consistent work.
What happens next
Training & mentorship
Learn around Hall of Fame producers and experienced leaders who have already built at a high level in this business.
From your first study session to your first client, you’re surrounded by experience, with people to turn to when a conversation or a whole week gets hard.
A structured path through the products and the sales process, one step at a time.
Experienced producers who know the questions you’re about to ask.
Practice the conversation in training until it feels natural.
Scripts and reference material to study, then keep close on every call.
A repeatable process from first call to placed policy, so you always know the next step.
How products, underwriting, and carrier appointments work, explained in plain language.
A routine that keeps you moving on the days motivation runs low.
A steady rhythm for staying in touch after every call and after the sale, so no one slips through the cracks.
ProducerPoint
Call Companion puts the script on screen one step at a time. You choose the prospect’s answer, the next step appears, and you always know where the conversation stands.
Your talk tracks sit right beside the call. When a prospect pushes back, the response is one click away, and you return to the same spot in the script.
After every call, record what happened and set the next step. Callbacks and appointments land in one queue, with anything overdue or due today at the top.
Plan your week, then record your own start, breaks, and end of day. It’s a simple way to hold yourself to the schedule you set.
Keep videos, guides, and links organized in the same workspace as your calls. Mark what you’ve finished and pin what you’re studying to your dashboard.
Switch the ProducerPoint interface between English and Spanish in one click. Scripts and objection responses are in English today.
You focus on the conversation. ProducerPoint keeps the rest in order.
Apply to learn moreYou place every call and choose every next step. ProducerPoint doesn’t make underwriting decisions or predict outcomes. Agent access is rolling out, and we’ll walk you through where it stands when we talk.
Finding clients
Producers can use lead generation and prospecting strategies to connect with people who have shown interest in protecting their families. We’ll help you understand the options, choose an approach that fits where you are, and learn how to work those opportunities consistently.
You won’t be left to figure out what to say. You’ll learn how to follow up and build the skill to turn activity into production.
When someone has already asked about coverage, your first call starts as a conversation instead of a cold pitch.
Take care of a family and they may introduce you to the people they care about. Over time, referrals can become a real part of your business.
Local events and marketing you choose to run can put you in front of new people. You decide where to show up.
Start small, then put more behind the sources that work for you.
Leads are a tool. The skill is learning what to do when the phone rings.
Lead questions, answeredA sample day
9:00am
Plan the day, study, and practice the conversation.
10:00am
Calls and emails to new inquiries, plus texts where people have opted in.
12:00pm
Sit down with a family by phone or video and learn what they want to protect.
2:00pm
Submit applications and help clients through underwriting requests.
4:00pm
Return calls, confirm appointments, and keep your notes current.
6:00pm
Many clients are only free after their own workday.
How you’re paid
At a traditional job, your paycheck is usually decided before the workday starts. In this business, your income follows the business you produce.
For some people, this starts as supplemental income. For others, it can grow into a full-time career. Nothing about it is automatic. The more consistently you learn, talk to people, improve your skills, and write good business, the more opportunity you create for yourself.
You get out what you put in.
The opportunity is there. You’re not applying for a raise. You’re learning how to produce more.
Get paid for production.
When a policy you write is issued and paid, you earn commission based on the premium and your carrier contract.
Know what your business pays.
Your commission percentage depends on the carrier, the product, and your contract level. As you get started, we help you understand how the numbers work so you’re not guessing.
Your effort has somewhere to go.
You’re an independent producer. You control your schedule, build your activity, and learn how to reinvest in your business as you grow.
Earnings are not guaranteed. Results vary widely with effort, skill, time, market, and expenses, and some producers earn little or nothing.
The NovaPoint Standard
Do what you said you’d do, when you said you’d do it. Steady weeks beat a few big days.
Take feedback and put it to work, and ask when something doesn’t add up. Experienced producers keep learning too, and so do we.
Families trust you with something that matters. Give them accurate information, and keep following through after the application is in.
You set your own schedule, so the follow-through is yours too. That includes your results and how you carry yourself with every client.
Study the products, review your calls, and get a little sharper every month. We hold our own training to the same standard.
Questions
No. People come to this work from retail, restaurants, warehouses, healthcare, offices, and businesses of their own. Your background doesn’t decide what you can become here. Bring the willingness to learn, and we’ll teach you the business from the ground up.
Yes, you’ll need a state license before you sell insurance. You don’t need one to apply, and you won’t have to figure out how to get it on your own. We’ll show you what your state requires and help you take the first steps toward your license.
Yes. We take care of your pre-licensing course, so you can focus on learning and getting started. Exam, license application, and fingerprinting fees are separate and vary by state, and we’ll help you plan for them.
Much of it, yes. A lot of the work happens by phone and video, so you can meet with families from home. Some clients will want to sit down in person, and carrier and state rules apply wherever you work.
Yes. Many people start part-time while keeping their current job, and evenings are valuable because that’s when a lot of families are free to talk. Progress follows the hours and consistency you bring, so protect that time. As you get going, aim for 20 to 30+ focused hours a week. That’s the commitment that gives you room to learn the business well.
You earn a commission on every policy you write that’s issued and paid. It’s a percentage of the premium, and the rate depends on the carrier, the product, and your contract level. That’s what makes this different from an hourly job: your activity and your skill show up directly in the business you write.
Some carriers advance part of the first-year commission when a policy is issued. If a policy lapses early, the unearned part can be charged back. There’s no salary and no guaranteed income.
A lead is someone who has raised their hand and said they’re interested in coverage. Some come from online inquiries, others from referrals or events, and they vary in cost and quality. Working them well comes down to a steady follow-up routine, and that’s something we coach.
The products, compliance, the sales process, the systems you’ll work from, and how to run a conversation people trust. You learn it from people who know how to do this, with plenty of practice before your first client conversation.
Training keeps going long after your first weeks, so you keep sharpening your skills while you work.
ProducerPoint is a workspace built for life insurance producers, so a new producer can start with a system instead of a blank screen. A guided Call Companion gives every call structure, scripts and talk tracks stay organized, an objection library sits one click away, and follow-ups and the workday live in one place.
ProducerPoint guides the structure, and the producer makes every call and chooses every answer. ProducerPoint is the workspace at the center of how NovaPoint structures the producer experience, and access for NovaPoint agents is rolling out. Ask us about it when we talk.
Someone from the NovaPoint team will reach out to set up a first conversation. We’ll walk you through how the path works and answer whatever you want to ask. We want to get to know you, too. There’s no pressure, and nothing gets decided on that first call.
Tell us where you’re starting from, and we’ll set up a free call about how you’d get started and who you’d learn from.