How it works
You don’t need to come from insurance.
People come into this business from retail, restaurants, warehouses, hospitals, and offices. If you’re willing to work and willing to learn, where you start doesn’t decide where you can go.
And you won’t figure it out alone. We take care of your pre-licensing course and guide you through the first steps toward your license. Then you learn the business on the NovaPoint team, from people who know how to do it.
Start here
Learn the language first.
- The career
- You help individuals and families protect the people who depend on them. As a licensed life insurance producer, you explain coverage options, help clients apply with carriers, and stay in their corner afterward. Producers on the NovaPoint team work as independent contractors and earn commission.
- A license
- Your state issues it, and it’s what allows you to solicit, sell, or negotiate insurance there. You earn it by passing your state’s exam and applying, and you’ll need one for each state where you do business.
- Pre-licensing
- The course many states require before you can sit for the licensing exam. It covers how life insurance works and the rules behind it, and it’s where our support begins.
The path
From zero to licensed and working.
Stage 01
Pre-licensing, with support
Work through the course your state requires, and we’ll help you make sense of it from the first lesson. Many approved courses are online and self-paced.
Stage 02
State exam
Book your state’s licensing exam and walk in prepared. Practice exams show you what to expect.
Stage 03
License application
Apply for your license with the state. Many states also require fingerprints or a background check, and processing times vary.
Stage 04
Contracting & appointments
With your license in hand, you complete contracting through a licensed distribution organization. Each carrier makes its own appointment decision, and you offer products from the carriers that appoint you.
Stage 05
Training
Learn the products, the sales process, and the rules of the business from experienced people on the team. Then practice the conversation before your first client call.
Stage 06
Launch
Start working with clients and helping families get coverage in place. Your mentor stays close, and your training keeps going after you launch.
Your investment
What it takes to get licensed and set up.
- The state exam fee
- The license application fee
- Fingerprinting or a background check, in many states
- Errors & omissions (E&O) coverage, which many carriers require
- Basic equipment, if you don’t already have it
Getting started
What getting started can look like.
While you study
Build the habit
Study a little every day, around whatever you’re doing now. A steady routine beats marathon weekends, and it’s the same habit that carries you through everything after.
Once you pass
Get set up while you train
Send in your state application, then your contracting and appointment paperwork. Training starts while those process, so the waiting time works in your favor.
Early training
Learn, then practice
Get comfortable with the products and the conversation, then practice it in training. By the time a real client hears you, you’ve said the words many times.
First conversations
Go live, with backup
Start talking with clients while your mentor stays close and helps you through the learning curve.
ProducerPoint
Start with a system, not a blank screen.
Guided Calls
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.
Scripts & Objections
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.
Follow-Ups
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.
Producer Workday
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.
Training Hub
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.
Bilingual Workspace
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.
You 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.
You and the team
You bring the effort. We bring the structure and support.
What you bring
- The study time to earn your license
- A schedule you set and keep
- Steady follow-up, including on the slow days
- Your business expenses and your taxes
- Following carrier, state, and compliance rules
What NovaPoint brings
- Pre-licensing support and a clear path to your license
- Structured training, with practice before real calls
- A mentor on the team you can reach
- A defined sales process and a daily rhythm to work from
- A culture built on work ethic and personal growth
Questions
Questions people ask before they start.
No. Many people start without it. Early on, showing up consistently and taking coaching well matter more than a polished pitch. The conversation is a skill, and you’ll practice it in training before you talk with clients.
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.
It depends on your state’s requirements, how much time you can study each week, exam availability, and how quickly your state processes applications. We’ll help you keep moving through each step, from the course to your license.
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.
Producers on the NovaPoint team are independent contractors, not employees, generally paid on a 1099 basis. That means you’re running your own business on your own schedule. You contract through a licensed distribution organization and handle your own business expenses and taxes, and a good tax professional can help you set that up right from the start.
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.
Start where you are.
You don’t need a license or an insurance background to apply. Tell us a little about yourself, and we’ll map out your first steps together.