You need a state life insurance license to sell — but you don’t need one to talk to us. We interview licensed and not-yet-licensed candidates alike, and the application asks where you stand so we can route you correctly:

• Already licensed. We fast-track your appointments with our carriers so you can start writing business quickly.
• In progress. Tell us your exam date and we’ll line your onboarding up behind it.
• Not licensed yet. We point you to the exact steps for your state — the pre-licensing course, the exam, and the application — so you’re not guessing your way through it.

You’ll be licensed in your resident state first; additional states can be added later as your business grows.

It’s commission-based. There is no hourly wage and no base salary — you’re paid on the business you place, which is exactly why there’s no ceiling on it either. Agents who work the process consistently, use the leads they’re given, and present across multiple carriers are the ones who reach the income levels shown on this page.

Your specific commission level and how advancement works are covered in detail at the group interview, so you can see the numbers before you commit to anything.

Earnings figures on this site are achievable results, not a guarantee or projection of your results. Income depends on your license status, effort, activity, and market. Many agents earn less; some earn nothing.

Leads are the difference between a good week and a wasted one, so we don’t leave them to chance. MAK Life Group runs its own in-house, exclusive lead generation system built to keep your calendar full of real conversations with families who are actively looking for coverage — not recycled internet lists that five other agents are already calling.

Leads are matched to your license, your state, and the product lines you’re appointed for, then distributed to agents who are actively working their pipeline. How leads are allocated, and any costs involved, are walked through openly at the group interview before you make a decision.

This is a 100% on-site role. We build agents in the room — side by side with mentors, sitting in on real presentations, and getting feedback the same day rather than a week later over a screen share. In this business that proximity is worth a great deal early in your career, and it’s a core reason our agents ramp up the way they do.

If you’re currently working elsewhere, bring that up during the interview. We’ll be straight with you about the schedule and commit the role realistically, so you can decide with your eyes open.

You are never handed a login and left to figure it out alone. Our support covers the full path:

• Carrier appointments — we handle getting you contracted and appointed across our carriers.
• Product training — Final Expense, Indexed Universal Life, Long-Term Care benefits, and Hospital Indemnity, so you can serve a client instead of pitching a single product.
• The multi-carrier comparison method — how to read a client’s age, health, and goals and build the right side-by-side comparison.
• Our strategic sales process — a proven, repeatable path from first conversation to placed policy.
• Mentorship and back-office help — ongoing coaching plus support with applications, underwriting, and case management.

It’s an honest, two-way conversation about the opportunity — how we operate, what our agents actually do day to day, how the compensation and lead system work, and what it takes to succeed here. You’ll have room to ask anything, including the questions this page doesn’t answer.

Reserve your spot by picking a weekday and a time slot in your own time zone, anywhere from 9:00 AM to 8:00 PM. We confirm by email and send both the meeting link and your application. Nothing to prepare — just come ready with your questions and a clear idea of what you want your income and schedule to look like. If it’s a fit on both sides, we move straight into licensing and appointments.

There is no cost to interview with us or to submit your application. Nobody at MAK Life Group will ask you to buy anything to be considered.

Like every insurance agent in the country, if you’re not licensed yet you’ll pay the standard state-set costs of getting licensed — the pre-licensing course, the exam fee, and your state’s license application fee. Those are paid to your state and the course provider, not to us.

Anything else a new agent is responsible for — such as errors & omissions coverage or lead costs — is laid out plainly at the group interview, in full, before you sign anything. No surprises after the fact.

We work across four core product lines, so the conversation starts with what you need rather than what we happen to sell:

• Final Expense Insurance — affordable whole life protection for funeral, burial, cremation, and end-of-life costs.
• Indexed Universal Life (IUL) — permanent coverage with cash-value growth potential linked to market index performance.
• Long-Term Care Benefits — living benefits for home care, assisted living, or nursing care without draining retirement savings.
• Hospital Indemnity Insurance — cash paid directly to you for covered hospital stays, to use on deductibles, bills, or everyday expenses.

Because a single company can only ever offer you its own products. MAK Life Group is an independent, multi-carrier brokerage with access to a broad portfolio of A-rated carriers — Mutual of Omaha, Transamerica, Aetna, AIG, Aflac, Foresters Financial, Royal Neighbors of America, Americo, and many more.

Carriers price the same person very differently depending on age, health history, and the type of policy. Because our agents aren’t locked into one company, they can compare options side by side and show you real alternatives — not a single company’s pitch.

No, and no. Requesting coverage information is free and carries no obligation whatsoever. A licensed MAK Life Group agent will review what you’re looking for, compare options across our carriers, and walk you through what fits your situation and budget. If nothing is right for you today, that’s a perfectly acceptable outcome — and you’re welcome to come back whenever things change.

Submitting the form opens your email app with your details filled in — you just press send. From there a licensed agent reviews what you shared: your age, whether you already have coverage, and what you want the policy to actually accomplish, whether that’s covering a funeral, clearing debts, or leaving money behind for the people you love.

We then compare suitable options across our carriers and reach out to walk you through them. If you’d rather talk first, call us at or email .

Insurance is regulated state by state, so both carrier availability and specific products vary depending on where you live — and which of our carriers our agents are appointed with there. That’s exactly why we ask for your state on the coverage request and interview forms.

Tell us where you’re located and we’ll confirm what’s available to you. If you’d like to check before filling anything out, call or email and we’ll answer directly.