Selling Life Insurance from Home: Is It Still Worth It?
Discover the ins and outs of selling life insurance from home. Learn if this business model is still relevant in today's market on our blog!
Read Post
Because you work for yourself, you determine your financial potential and there is no cap or limit to what you can earn.
What you build, you own - seriously! So all the hard work you put into growing your business becomes exclusively yours through contractual ownership.
This is a business that is changing generational wealth and building up financial futures for people who haven’t had access to the resources until now.
Proven sales and business building system that has worked for hundreds of people just like you!
Ongoing mentorship with calls, webinars, and events. One-on-one and group coaching to help and encourage you every step of the way.
Diverse and proven lead system exclusive to our agents to support and build your business. Qualified leads generated by our nationwide digital marketing efforts.
Fast track comprehensive training from the insurance industry’s best. No experience required!
True contractual agency ownership program. Practice one of our core values “We act like owners because we OWN it”
Watch the short 5-minute corporate overview video (above), describing the opportunity in detail.
Participate in a 35 minute overview of what our company does, who our brokerage is and the expectations we have for our agents. If we believe we’re still a mutual fit, you’ll move on to Step 3.
Once you understand the role we will have a 1:1 final interview where we will discuss clear goals and expectations to make sure we’re a mutual fit. Then you’ll move on to Step 4.
Complete the steps required by your state in order to become a licensed Life & Health producer. The process typically takes 5-10 days and varies by state. *Lumina uses Just Insurance for the licensing course. With our link you get $50 off making the class $149 instead of $199.
Initiate the onboarding and training process, begin meeting with clients, protecting families, building your business — and earning an amazing income!
Want to see how people with zero experience are earning six figures in insurance?
Download NowYou’re paid through commissions when you help a client secure a policy. The more you help, the more you earn—there’s no cap on income.
Bonus: You get paid within 24 hours of the policy issuing. That means deposits are hitting your account all week long.
No. Most of our agents start with zero experience. We provide training, mentorship, and a proven system to help you get up to speed quickly.
It can be either. Many start part-time and transition to full-time as their income grows. That depends on your goals—but here’s a general breakdown:
Part-time: 15-20 hours/week
Full-time: 35-40 hours/week
Many agents start part-time and increase their hours as they begin to see results.
👉 Consistency matters more than total hours. The agents who win are the ones who show up every week and follow the system.
This depends on your effort and consistency, but many agents close their first deal within the first few weeks after getting licensed and completing training.
Yes. You’ll need a life insurance license to get started. The process is straight forward and Lumina uses Just Insurance for the licensing course. With our link you get $50 off making the class $149 instead of $199.
Save $50 right off the bat and put it towards your leads!
Get Licensed
No. We supply warm leads for you to purchase at a subsidized cost. All our leads and the lead vendors we use are TCPA compliant and double verified. Leads run from $.40 all the way to $100 a lead.
The best part is that you get to decide what leads you work with, and therefore control your own productivity. No more paying your upline for leads, and even better, you know the exact quality of the lead.
Not even remotely. No. Nope.
We are what's called an Independent Marketing Organization. Better known as a "brokerage". We are contracted with over 50 of the best A+ rated Insurance and Annuity companies in the country who have built products exclusively for us because of our unique system and our priority on caring for the agent and the client equally.
Your income depends on your effort, consistency, and how quickly you apply the system.
Most new agents earn between:
$1,500 – $3,000 in their first 60 days
Consistent part-time agents can earn around:
$3,500 per month
Full-time agents often reach:
$10,000+ per month
Top performers who stay consistent and build a team can scale significantly beyond that. Remember, our starting commission is 80%, and can grow all the way to 130% plus equity bonuses!
👉 We’ll walk you through exactly what it takes to hit each level during the onboarding process.
No. You are not required to sell to friends and family. We provide access to warm leads (both analog and digital), so you can work with people who are already looking for help. That said, some agents choose to start with people they know—but it’s completely optional.
👉 Our goal is to help you build a real business—not put pressure on your personal relationships.
