Built by producers. For producers.
Independent should never mean on your own.
A nationwide platform for independent life insurance producers, bringing carrier access, a complete sales system, training, live support, and team-building coaching into one place. A full-time W-2 inside sales path is also available at the Carlsbad office.
A short application. A real conversation. A clear next step.
Life insuranceNationwide 1099 opportunityFull-time W-2 in CarlsbadLicensed + not yet licensedAI system: $399/month
01
Why Producer First
Everything you need to build without piecing it together yourself.
Our owners bring more than 50 years of life insurance industry experience. Across the organizations they have helped lead, the producers they have supported have earned more than $100 million in career commissions. We combined the best parts of those experiences to give independent producers one clear place for licensing, carriers, leads, technology, training, live support, recruiting, and business growth.
One relationship. One clear process.Know where to go, who to ask, and what comes next.
Combined ownership track record
Figures reflect the combined historical experience of Producer First’s ownership team and organizations they have helped lead. They do not represent commissions paid by Producer First alone.
02
Two paths. One application.
Build independently nationwide, or start on-site in Carlsbad.
The nationwide 1099 model is our primary opportunity. The W-2 inside sales role gives local applicants who want a full-time employee structure another path to be considered.
Primary nationwide opportunity
Independent Producer
1099Build and scale your own business from anywhere in the country.
Access the carrier relationships, advanced sales system, leads, training, live support, team-building coaching, and business infrastructure behind Producer First.
- Available nationwide, subject to state and carrier eligibility
- Producer-facing Levels 70 through 130
- Advanced system and fresh exclusive lead campaigns
- Individual producer and agency-builder paths
Additional Carlsbad opportunity
Inside Sales Producer
W-2A structured, full-time employee path for local applicants.
Work exclusively from the Carlsbad office with inbound calls, licensing support, structured training, and access to the same carrier lineup.
- $20 per hour plus a per-sale incentive
- Incentive equals 1.5 times monthly premium
- Full-time, on-site from 7:00 AM to 4:00 PM
- Not available as a remote opportunity
W-2 incentives are subject to written compensation-plan terms, policy status, eligibility, and applicable chargebacks. Compensation examples are illustrative and do not guarantee earnings.
03
The Producer First difference
More than carrier access. A complete path to production.
Independent producers should not have to assemble contracts, technology, training, and growth coaching from separate organizations. Producer First brings them together.
Carrier access and contracting
Guided contracting with established life insurance carriers, transparent contract levels, writing-number tracking, and a production-based path to expand your carrier lineup.
Producer First AI System
AI follow-up and booking, AI lead-funnel management, power dialing with local presence, and access to approved leads purchased separately at cost.
Training and live support
Licensing, system, carrier, underwriting, and sales training, plus live help when a client conversation matters.
Team-building coaching
Recruiting workflows, referral support, leadership coaching, and business guidance to help producers grow beyond individual production. Expanded team-visibility tools are part of the management-platform roadmap.
04
What 1099 producers get
A complete foundation for independent producers.
Support begins before the license and continues through selling, recruiting, agency growth, and long-term business operations.
Licensing support
A clear state-specific path through pre-licensing, the exam, fingerprinting, license application, and the move into production.
Carrier access
Guided contracting, writing-number tracking, carrier training, underwriting guidance, and fast access to the right carrier resources.
Lead generation
Fresh exclusive life insurance lead funnels, client opportunities, recruiting leads, and visibility into lead spend and return.
Producer First AI System
AI follow-up and booking, AI lead-funnel management, power dialing with local presence, and at-cost lead access in one working system.
Training and live support
System, carrier, underwriting, sales, and recruiting training with real-time help when you are speaking with a client.
Business growth
Production planning, expense discipline, goals, referrals, recruiting guidance, and educational resources for E&O, AML, CE, LLC, EIN, and independent-business fundamentals.
Live sales support
When the client conversation matters, you do not have to figure it out alone.
Get help with objections, underwriting questions, product direction, and difficult cases while you are actively working to serve the client.
Producer technology for 1099 producers
One complete AI system. One flat $399 monthly price.
Comparable outside configurations typically cost between $2,000 and $3,000 per month, depending on provider, scope, and features. Producer First brings AI follow-up and booking, AI lead-funnel management, power dialing with local presence, and at-cost lead access into one connected system.
$399
Per month for Producer First AI System accessApproved leads are selected and purchased separately at cost. Lead spend and disclosed usage-based charges are not included in the subscription.
Producer workspace
$399/monthLead capturedCampaign routes the opportunity into your CRM
NewAI follow-up startsQualification, reminders, and booking begin
ActiveAppointment bookedCalendar, pipeline, and next action stay connected
BookedCRMAI textingDialerCalendarClient nurture
Platform-wide historical figures are reported by the underlying technology provider and are not Producer First production results. Producer First AI System access is $399 per month. Comparable outside configurations typically range from $2,000 to $3,000 per month; provider, scope, configuration, and features vary. Producers separately purchase approved leads at cost. Lead spend and disclosed usage-based charges are not included. Individual results are not guaranteed.
05
Carrier incentives
Complete Incentive 01. Then earn toward Incentive 02.
Place one qualifying in-force policy with every carrier in the first milestone to become eligible for reimbursement of approved licensing expenses. Once complete, begin the separate $500 bonus milestone.
Incentive 01 · Licensing reimbursement
One qualifying in-force policy with eachEthosAmericoMutual of OmahaTransamericaAmerican Home LifeAmerican AmicableCorebridge Financial
InstabrainNational Life GroupF&G
True compensation
Levels 70–130Individual and builder paths
Starting Level and growth are based on experience, verified production, agency size, agency production, carrier eligibility, and written agreements.
A Level is not a universal product rate or an income guarantee. Individual outcomes vary.06
1099 compensation transparency
A clear growth path presented as a Level, not an income promise.
Your starting position and growth reflect experience, production, and the business you build.
- Experience
- Individual production
- Agency size
- Agency production
W-2 compensation
$20 per hour plus 1.5 times monthly premium per sale.
Full-time producers work on-site in Carlsbad and receive inbound calls. The base hourly rate and sale incentive are separate.
Written compensation-plan terms determine when incentives are earned and how applicable chargebacks are handled.06
Commission estimator
See the math behind one policy.
Use a single monthly premium to understand how each compensation model is calculated. This tool does not project sales volume or annual income.
Annualized premium$1,200.00$100.00 × 12
Estimated first-year commission$960.00$1,200.00 × 80%
Estimated nine-month advance$720.00$960.00 × 75%
Your contract level is not a universal product rate. Use the commission rate shown for the applicable carrier and product on your approved schedule. The 75% advance is illustrative only. Actual compensation is governed by premium basis, carrier rules, policy status, vesting, chargebacks, and the producer’s written agreement.
07
Personalized 14-day launch plan
Preview your first two weeks.
Choose where you are starting. Your plan adjusts around your license, experience, opportunity, and business stage.
Your selected pathNationwide 1099Remote across eligible states and carrier markets
Your plan preview
1099 Producer Launch
- 01Days 1 to 3
Confirm license standing, begin carrier contracting, and organize your launch checklist.
- 02Days 4 to 7
Complete foundational system, carrier, underwriting, and sales training.
- 03Days 8 to 10
Build your nationwide remote working rhythm with lead follow-up, appointment setting, and supported client conversations.
- 04Days 11 to 14
Complete a readiness review and set your first production, lead, and business-development priorities.
This is a personalized planning preview, not a promise of employment, approval, contracting, licensing speed, production, or completion within 14 days.
09
1099 carrier incentives
Reimburse eligible licensing costs. Then earn a $500 bonus.
Two clear milestones reward producers for learning a broader carrier lineup while keeping every placement centered on the client.
Save eligible licensing receipts
Keep documented receipts for one eligible pre-licensing course, one licensing exam attempt, fingerprinting when required, and the initial resident-state license.
Complete Incentive 01
Place one qualifying in-force policy with Ethos, Americo, Mutual of Omaha, Transamerica, American Home Life, American Amicable, and Corebridge Financial.
Receive approved reimbursement
After Incentive 01 and its validation requirements are complete, eligible documented licensing expenses may be reimbursed under the current written program terms.
Complete Incentive 02
After Incentive 01, place one qualifying in-force policy with Instabrain, National Life Group, and F&G to become eligible for a one-time $500 bonus.
Policies must be qualifying, issued-and-paid, verified, and in force through the applicable validation period. Reimbursement, carrier access, and bonus eligibility remain subject to licensing, carrier availability, receipt approval, good standing, program terms, written agreements, and applicable limits. Rewards are not income guarantees.
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How it works
Simple on purpose.
Know what to expect before you begin.
- 1
Apply now
Share your location, license status, experience, and goals.
- 2
Book a conversation
Choose a convenient time to speak with us.
- 3
Get started
If approved, begin the launch process for your current stage.
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Start here
Start where you are.
Answer a few quick questions, then choose a convenient time for your required 15-minute introduction call.
✓Simple and privateNo Social Security number or banking information is collected in this application.
12
Contact Producer First
Questions before you apply?
Contact us about licensing, 1099 producing, the W-2 inside sales opportunity, agency growth, or choosing where to begin.
13
Frequently asked questions
Know before you apply.
Do I need an active life insurance license?+
No. You may apply before licensing, while licensing is in progress, or with an active life license. The process begins from your current stage.
Can an insurance agency apply?+
Yes. Producer First works with individual independent producers and insurance agencies seeking stronger systems, support, recruiting visibility, and business infrastructure.
Where are opportunities available?+
The independent 1099 opportunity is available nationwide where state and carrier eligibility allow. The W-2 opportunity is full-time and exclusively on-site at the Carlsbad, California office.
How is the 1099 opportunity compensated?+
Producer-facing contract Levels run from Level 70 through Level 130 across the individual-producer and agency-builder paths. A Level is not a universal product commission percentage. Actual compensation depends on the applicable carrier, product, premium basis, policy status, signed schedule, advance terms, and chargeback rules.
How is the W-2 opportunity compensated?+
The full-time W-2 opportunity pays $20 per hour plus a per-sale incentive equal to 1.5 times the policy’s monthly premium. Incentives are governed by the written compensation plan and applicable chargebacks.
What does the producer technology cost?+
Access to the Producer First AI System is a flat $399 per month. It includes AI follow-up and booking, AI lead-funnel management, power dialing with local presence, and access to approved leads purchased separately at cost. Lead purchases and disclosed usage-based charges are not included in the subscription.
Is the W-2 opportunity remote?+
No. The W-2 opportunity is full-time and on-site at the Carlsbad office from 7:00 AM to 4:00 PM.
How do the two carrier incentives work?+
Incentive 01 reimburses eligible documented costs for one pre-licensing course, one exam attempt, required fingerprinting, and the initial resident-state license after one qualifying in-force policy with each of seven carriers. After Incentive 01 is complete, Incentive 02 offers a $500 bonus after one qualifying in-force policy with Instabrain, National Life Group, and F&G. Current written program terms control.
What happens after I apply?+
You will choose a convenient time to speak with us. We will learn where you are starting, answer your questions, and explain the next step if there is a fit.