For people who want more than a paycheck

I work from home on my own hours, and the work matters.

I design my own schedule and work remotely, built around my family instead of building my family around a job. I came to this from years in ministry, with no insurance background and five kids at home, and now I help families protect the people they love, mostly by phone and video. For the right person, this is real control over your time, work that matters on the hardest days, and a business that's yours.

This is independent, commission-based work.

See what this could look like for you → Am I a fit?

What this can change

What the right person actually gains.

What this work gives back is hard to put a number on. You get far more control over your calendar, so you have a real say in when you're working and when you're courtside at your kid's game. You're building your own business, with your name on it. You get genuinely good at guiding families through one of the biggest financial decisions they'll ever make. And on the hard days it still means something, because you were the reason a family was protected before their worst one came.

What you'd actually be doing

You talk with families (usually by phone or via Zoom) and help them find the right coverage for their preferred budget.

Work from anywhere

The whole business runs by phone and video. No commute, no territory you're boxed into, and you set your own hours. Running your day without a boss takes discipline, and that freedom is the part I'd never trade back.

Access to a lead marketplace

Agents can reach consumer leads through approved sources. Leads are usually a paid business expense and don't guarantee appointments, so your follow-up and consistency are what turn them into sales.

Carriers families trust

Mutual of Omaha. Foresters. Americo. SBLI. Corebridge. You're not inventing a product from scratch. You're helping families compare coverage from established carriers and find something that fits their situation.

Training and mentors

Symmetry's training walks through what to do and when. How fast you place a first policy varies with licensing timelines and how you apply what you learn. And I'll be in your corner through the wins and the hard stretches.

Who this fits

I'm looking for the right people.

The builder

You've been trying to build something and nothing has clicked yet. You've got the hustle and want somewhere to put it. This gives that drive a direction and a system to run on.

The helper

Ministry, teaching, healthcare, community work. You already know how to show up for people in hard moments. This work uses that same gift, helping families put protection in place before the worst day, with income tied to the work you do.

The side-hustler

You've got a 9-5 that covers the bills but comes with a ceiling. Many agents start part-time while keeping their income, and build from there.

What you should know before deciding

This is a 1099 independent-contractor role. Compensation is commission-based and not guaranteed. You'll carry real business expenses along the way, things like licensing, background checks, continuing education, and leads. Since commissions are often advanced, part of one can be adjusted back if a client cancels in the early months. That's a normal part of how the business runs. Individual results vary widely, and some agents earn little or no income. I'd rather you understand the business clearly before we ever talk.

Three things you're probably wondering

"I'm not a salesperson."

Neither was I. I came from ministry. The people who do best at this are helpers first. The families you'll talk to already asked for information, so you're mostly listening and helping them figure out what fits.

"Is this an MLM?"

Fair question, and no. You earn commission when you protect a family with a real policy from companies like Mutual of Omaha. Nobody buys product to sit in a garage. Building a team is optional and comes later, and the money starts with helping families one policy at a time.

"What does it cost to get started?"

The licensing course runs around $100 with our team discount. Add your state's exam fee and background check and you're generally looking at a few hundred dollars to get licensed. Beyond that, plan for ongoing business expenses. There's no multi-thousand-dollar buy-in to join. Your biggest ongoing cost, if you use them, is usually leads.

Your next steps

Here's exactly how this goes.

Step 1

Are you interested? Fill out the form.

Two minutes. I read every submission myself and reply within one business day. No assistant, just me.

Your name

Email address

Best phone number

What's your situation right now?

Please don't include Social Security numbers, bank account details, or medical records here. We'll handle sensitive information through the secure application process.

Goes straight to me. I won't pass your info to anyone else.

Got it. Talk soon.

I'll review what you sent and reach out within one business day. If you'd rather not wait, grab a time on my calendar now, and watch the video in step 2 while you're here.

Book a time now →

Step 2

Watch this 45-minute video.

Jim Larsen mentors me, and it's the best explanation of this career I've found. Watch it before we talk and it answers most of what you'd ask.

Why You Should Sell Life Insurance: Jim Larsen

45 minutes and it opens on YouTube. It answers many of your questions, and we'll talk through the rest.

Step 3

We talk.

Once I have your form, I'll reach out within one business day, and we'll figure out together whether this is a fit for where you are right now.

Keith Spencer · Licensed independent agent, NPN 21442482
Former pastor, father of five. The person on the other end of your form is me.

Income Disclaimer. No agent’s success, earnings, or production results should be viewed as typical, average, or expected. Not all agents achieve the same or similar results, and no particular results are guaranteed. Your level of success will be determined by several factors, including the amount of work you put in, your ability to successfully follow and implement our training and sales system and engage with our lead system, and the insurance needs of the customers in the geographic areas in which you choose to work.