Start Your Career in Life Insurance
$65,000+ Average first-year income
1-3 weeks to get licensed & selling
No experience needed to start
Your 17-Step Career Path
Start attracting new agents who want the path you just walked.
PHASE 1: FOUNDATION – Become a Licensed Life Insurance Agent
Enroll in the Pre-Licensing Course
Choose your state-approved provider (recommendations available). Self-paced course, typically 20 hours. Covers insurance basics, ethics, regulations, and state-specific laws.
What to expect: Videos, quizzes, and practice tests. Complete at your own pace.
Pass the Final Exam
Required passing score: typically 70%+. You'll receive a certificate of completion.
Congratulations! You’re now eligible for your state license.
Get Your State License
Submit application through your state's Department of Insurance (DOI). Get fingerprinted and complete background check. Pay state licensing fees (usually $60–$150).
Approval time: 1 week max depending on the state.
PHASE 2: STRUCTURE – Set Up Your Business Operations
Join Our Onboarding Process
You'll be introduced to your team lead and support manager. Get access to our internal systems and agent portal. Set goals for your first 30, 60, and 90 days.
Receive & Submit Carrier Contracts
Submit contracting paperwork for multiple carriers (A-rated). Includes all TOP CARRIERS. You'll be assigned writing numbers once approved and receive training.
Tip: We help you avoid delays by pre-filling paperwork and tracking submission statuses.
Complete the Virtual Sales Bootcamp
7-day intensive virtual training. Learn our high-conversion phone scripts, objection handling, sales psychology, and compliance rules.
Access Your Free CRM Platform
Full access to our CRM (client relationship manager). Track leads, schedule follow-ups, submit applications, store call recordings. Integrated with automation and lead routing.
No tech skills required — we’ll walk you through setup in less than 30 minutes.
Get Set Up With Our Free Dialer System
Use our dialer system to end up on the phone with 10x more people per day than any insurance agent. Local presence dialing, call recording included. No monthly cost — it's 100% covered for producing agents.
You’ll be dialing from Day 1, not wasting time on manual calls.
PHASE 3: PRODUCTION – Start Selling & Earning Income
Start Working Free Final Expense Leads
You'll be plugged into our lead program. Ideal for sharpening your skills. Use our instant-issue products and close within one call.
No out-of-pocket marketing costs to get started.
Earn Income Quickly & Efficiently
Earn $700-$1000 per sale on average. Get paid within 24–72 hours. Fast commission deposits with top carriers.
We’ll help you build a schedule that supports $2,500+ weeks right out the gate.
Transition Into Mortgage Protection Sales
Higher face amounts = higher commission. Learn to position coverage as debt elimination for families. Access new lead types and build long-term clients.
This is your first real step toward leveling up your average case size.
Convert Mortgage Clients Into IUL Clients
Learn how to introduce Indexed Universal Life policies for retirement. Position it as a tax-free income solution for homeowners. Upsell or cross-sell without sounding 'salesy'.
Your income per client jumps from $500 to $2,000–$5,000+.
PHASE 4: SCALE – Expand Your Income & Influence
Strategy Call With Our Senior Advisors
1-on-1 consultation to map out your scaling path. Learn how to reinvest intelligently in leads, marketing, tech, or recruiting. Avoid common mistakes agents make when they start earning $10k+/month.
This is how you go from ‘just an agent’ to a business owner.
Become a Consistent 5-Figure Monthly Earner
Weekly accountability calls. Access to private live coaching and script updates. Learn how to work renewals, referrals, and warm market.
Plug Into Our Recruiting Systems
Use our ready-made funnels, social templates, and outreach automation. We provide the script, tools, and even your own onboarding process. No experience needed — just follow the system.
Start attracting new agents who want the path you just walked.
Build a Team & Replicate Your Success
Train your agents using our backend support. You'll get paid overrides on their production. Plug them into our CRM, dialer, and training systems.
Example: 5 agents doing $10k/mo = $5k–$10k/mo in passive income for you.
Establish Your Own Agency Brand
Get your logo, team name, and brand identity. Receive support for contracting, licensing, training, and backend operations. Option to white-label our tech and infrastructure.
This is your CEO moment. Build a legacy, not just a team.
Why Agents Choose Us
- Earn $700-$1000 per sale on average, paid within 24-72 hours
- Free leads to get started with no out-of-pocket marketing costs
- 100% Free CRM and dialer systems for producing agents
- 7-day intensive virtual sales training bootcamp
- Direct carrier relationships with all TOP carriers
- Build your own team and earn $5k-$10k/mo in passive income
- Step-by-step system to become a 5-figure monthly earner
- Full support from licensing through building your own agency
Frequently Asked Questions
Do I need previous insurance experience?
No, we welcome candidates with no prior insurance experience. Our comprehensive training program is designed to help you succeed regardless of your background.
How much does it cost to get started?
There are no upfront costs to join Harborstone Financial. You will need to obtain your life insurance license, which typically costs $200-$500 depending on your state. We provide guidance through this process.
How long until I can start earning?
Once licensed, you can begin selling immediately. Most new agents make their first sale within 2-4 weeks of completing our initial training program.
Do you provide leads?
Yes, we offer various lead programs that agents can participate in. We also provide training on how to generate your own leads through referrals and networking strategies.
Can I work part-time?
Yes, while full-time commitment yields better results, we accommodate part-time agents who are transitioning from another career or have other commitments. Our training and systems are designed to maximize your productivity regardless of your schedule.
What products will I be selling?
You'll have access to a full range of life insurance products including Term Life, Whole Life, Final Expense, Indexed Universal Life (IUL), Annuities, and Mortgage Protection. As you progress, you'll learn to match the right products to your clients' needs.
What kind of support will I receive?
You'll receive comprehensive support including initial training, ongoing mentorship, case design help, marketing assistance, access to our InsuraCloud technology platform, and professional development. Our team is available via call, text, or email when you need help.
What makes Harborstone different from other IMOs?
Unlike most IMOs, we provide a true end-to-end system for agent success, not just contracts. Our proprietary technology, proven training methodology, and agent-first approach create a supportive environment where both new and experienced agents thrive.
How fast can I build a team?
Most agents are ready to recruit after 6-12 months of consistent personal production. We provide recruiting systems, training materials, and override structures that make building your team straightforward and profitable.
What territories are available?
We operate in all 50 states, so you can build your business wherever you're located. There are no territory restrictions, and many of our agents work remotely across multiple states.
Ready to Start Your Career?
manager will contact you within 24 hours.