Work With Us | FFL Forefront

Forefront Agency is focused on helping families all over the U.S. Our top priorities are our clients and our agents & their families. We would not be able to make the impact that we do without our agents. There are BRAND NEW agents who are taking control of their lives and their time. We're helping them jump start their business and help over 20 families in their first month with us. We want our agents helping more families than they ever dreamed possible, while also being allowed to enjoy their lives with their own families while achieving financial independence.

If you truly enjoy helping people and believe that you deserve to be paid what you are worth and are willing to put in the hard work, then Forefront Agency will probably be the best fit for you. If you would like to learn more or interested in working with us, fill out the application form above!

FAQs

What is an IMO?

An IMO is an independent marketing organization.
Do you have leads?

Yes! FFL has our very own CRM where agents can buy exclusive leads. You are not required to use our leads. You can use any lead vendor you choose.
How long does it take to get started?

Roughly 1-4 weeks, but it's different for everyone. It depends on if you already have your life insurance license or not. If you need to get your license, you have to take an online course, take your exam and apply. How fast you finish the course is a big factor. If you already have your license then you just need to get appointed with our carriers. If you finish all the paperwork we send you ASAP, then you could be in the field in as little as 5 days.
Are there any startup fees?

Nope! You do not have to pay any startup fees to FFL. **There are expenses to get started, but nothing charged by FFL. (Example: Life license, leads, tablet, work shirts, badge, business cards etc.)
Is this a captive agency?

No, we are NOT a captive agency. You are a 1099, independent business owner. You can get appointed with one of our carriers or all of our carriers. It's completely up to you!
What products do we offer?

We offer life insurance products such as final expense, mortgage protection, IUL's and annuities.
Is this an MLM?

Nope! Multi-level Marketing or MLM's are based on recruiting. The more people you recruit, the more money you make. FFL's business structure is based on sales and personal growth. You do NOT have to recruit to make money at FFL. You can if you want to, but are not asked or required to.
Do you cold call?

Nope! You do not have to cold call clients. We have warm leads from families who requested our service and are interested in getting coverage.
Do you need any qualifications or experience to get started?

You do NOT need any experience to get started! Agents do need a life insurance license, but we can help you get one! If you don't have your license we will PAY for your study material/online course. We help you through the entire process, so don't worry!
What are chargebacks?

When you sell a policy, you get advanced the first 9 months of the policy and then get months 10, 11 and 12 when the client pays their bill that month. If a client cancels their policy within the first 9 months, you owe your advanced commissions back to the carrier. Chargebacks are unavoidable and happen to everyone. If you continue to sell and issue another policy with that same carrier, your new commissions will go towards your debt until it's paid off.
Do agents get a W-2?

No. Agents at Family First Life do NOT get a W2 because everyone is a 1099. You are an independent business owner. If you have any questions on how to handle your taxes, ask your direct manager.
Do we have to sign any contracts?

Nope! You do not have to sign any contracts with our agency.
Where are you located?

We are located in the United States and are a national company. The Forefront Agency is located in Austin, Texas but you can live anywhere in the United States to work with us!