What you'd sell
Final expense life insurance, mostly. Small policies that cover a funeral so a family isn't fundraising for one. Term life and IUL later, once you're good at the first thing.
THE WORK / THE RESULT
The work you put in is the number you get paid.
Flo Financial is a life insurance sales team. It's 1099, commission-only, and it takes a state license you don't have yet. No degree required. No sales experience required. If your current job pays the same whether you coast or kill it, keep reading.
Step 1
Watch the video below, all the way through.
Step 2
If it still sounds like you, fill out the application at the bottom.
START HERE
Watch before you decide.
Video coming.No autoplay. The video will load only after you choose to play it.
Mario Jimenez, Flo Financial — San Antonio, TX
WHAT THIS ACTUALLY IS
No mystery.
Just the work.
What you sell, who you call, how the day runs, and what you carry before the first dial.
Who you'd call
People who already asked for information about coverage. You are not cold-calling strangers and you are not selling to your friends and family.
What a day looks like
Office at 8:30 sharp, door locks. Dials all morning. Cards photographed at 1 PM and again at end of day. Camera-on team check-in at 5:30. You're on the phone or you're not working.
What it costs to start
A state life insurance license — a pre-license course, a state exam, and a fingerprint and background fee, paid by you. Plan for the licensing costs and two to three weeks. Nobody hands you this.
THE STANDARD
This isn't for everybody.
Here's how you'd know.
01
You want a base salary or a guaranteed paycheck. There isn't one.
02
You want to work whenever you feel like it. The schedule is the schedule.
03
You want to be left alone. You'll be coached, corrected, and measured daily.
04
You're looking for a side hustle to run between shifts. This isn't that.
05
You've already decided you know how to sell. Coachability is the whole job.
FAQ
Straight
answers.
No pitch deck. No vague promises. Read every answer before you apply.
01How does the money work?
You're paid commission on the policies you write — no base pay and no hourly wage. Some agents write consistently and some don't, and the difference is almost always activity and coachability rather than talent. I'm not going to put a number on a website and pretend it applies to you, because it doesn't. If you get on a call with me, I'll walk you through exactly how commission works and what the levels are.
02Do I need experience?
No. People here have come from restaurants, warehouses, retail, driving, and many other kinds of work. What's required is coachability and showing up.
03Do I need a license?
Yes, a state life insurance license. You get it before you can sell. We walk you through the course, the exam, and the paperwork.
04Is there a salary?
No. This is 1099, commission-only. You're an independent contractor, not an employee. There is no base pay, no hourly wage, and no benefits package.
05Do I have to buy leads?
Some agents are sponsored to start, while others fund their own. That gets decided in the interview based on your situation, not on a website.
06Do I have to sell to my family?
No. That's not the model here.
07Is this remote or in person?
The team runs out of an office in San Antonio, and there's remote work too. Which one applies to you depends on where you live and what stage you're at.
08How fast does this move?
Application, then a call, then contracting, then your first day in the office. If you're serious, that's weeks, not months.
09What happens if I'm not producing?
There are production standards and they're enforced. You'll know exactly what they are before you sign anything.
APPLICATION
See if you qualify.
Takes two minutes. If it's a fit, you'll hear from me directly.
Before you apply, understand what this is.
This is a 1099 independent contractor role. Compensation is 100% commission. There is no base salary, no hourly wage, and no guaranteed income. You are responsible for obtaining and maintaining your own state insurance license, including the cost of licensing. Your results depend entirely on your own effort, consistency, and skill. Flo Financial does not guarantee any income or outcome.