Independent Sales Consultant
The starting line for most agents.
- Sell life insurance to families who already raised their hand
- Endless inbound leads — no door-knocking
- Commission-based, your effort, your reward
- Full training included
Spencer FG · Careers
Protect families.
Build something that lasts.
We hire agents from every walk of life. No background quotas, no cookie-cutter expectations. If you have the drive to learn and the heart to help families, we have the training, the leads, and the licensed agents who’ll have your back.
All walks of life
We recruit nationwide across every background, age, and prior career. Inclusion isn't a slogan — it's the team.
Honest income
No flashy six-figure promises. We show real ranges based on real commitment levels — and what it actually takes to get there.
Licensed-ready support
Whether you're already licensed or starting from zero, our team walks you through state requirements at your pace.
Three ways to join
Not every role is the same. Tell us where you are, and we’ll match you with the path that fits.
Team Lead
For agents ready to build a team.
- Recruit, mentor, and grow a remote team
- Layered overrides on team production
- Leadership development included
- Requires prior sales experience
Business Partner
For experienced agency owners.
- Roll your existing agents under our system
- Keep your independence, gain our infrastructure
- Strategic partnership with senior leadership
- Application reviewed individually
Pick your pace
Real life doesn’t fit one schedule. Choose the commitment that matches your situation today — you can always shift later.
Part-time
3 shifts per week
Top performers reach $50K+ annually
Disclosure: ranges are estimates based on full participation through a typical first year. Earnings vary by individual effort, market, and licensing status.
- Keep your day job while you build
- Schedule on weekends and evenings
- Same training and support
Full-time
5 shifts per week
Top performers reach $100K+ annually
Disclosure: ranges are estimates based on full participation through a typical first year. Earnings vary by individual effort, market, and licensing status.
- Maximum income potential
- Faster path to leadership tier
- Priority lead routing
Honest income calculator
What could year one look like for you?
Tell us your situation. We'll show realistic ranges — not flashy promises.
Conservative
10th percentile
$25,500
Median
50th percentile
$46,750
Top quartile
90th percentile
$85,000
Full-time (5 shifts/week) gets you the maximum lead routing and faster ramp. First-time sellers do well here — training is included, but the first 90 days are about learning, not earning. Unlicensed candidates spend roughly 30 days on pre-licensing before commissions begin. Top performers in your situation typically reach ~$85,000 in year one.
Reality check: First 90 days typically run ~$2,550 while you complete pre-licensing and ramp. The big numbers come later — be ready for that.
Disclosure: Earnings are estimates based on commitment level, market, prior experience, and licensing status. Actual income varies by individual effort. Spencer Financial Group does not guarantee specific income outcomes. First-year ramp can take 60-90 days before commission begins. Pre-licensing study time is not paid.
How it works
Four steps from interest to your first conversation with a family.
1
Apply
One smart form. 5 minutes. No résumé required.
2
Interview
A real conversation with our team — never a screening robot.
3
License
We walk you through state pre-licensing if you're not already certified.
4
Start
Onboarding, your first leads, and a mentor in your corner.
Ready to start?
Fill out the application. Our team reviews every one personally.
(Smart intake + AI-assisted feedback land in Phase 6 — for now, this is the path.)
Start your application