Everything you want to know before you apply. Straight answers, no fluff.
No prior insurance or sales experience is required. Many of our top producers had zero background in insurance before joining Fortiva. The training system is designed specifically to take you from zero to producing, regardless of where you're starting from.
What you will need is a state life insurance license, but if you don't have one yet, that's okay. We'll walk you through exactly how to get it.
No. You can apply before you have your license. Once you're accepted, we'll guide you step-by-step through the licensing process. What course to take, how to schedule your exam, and how to submit your license application.
Many agents complete their license while going through onboarding, so there's no wasted time waiting to get started.
Most agents complete the licensing process in 2 to 6 weeks depending on your state. The process involves:
Some states process faster than others. We'll point you to the right resources so you're not figuring it out alone.
If you're already licensed: you can be contracted with our carriers and writing business within days of being accepted.
If you're not yet licensed: your earning timeline starts as soon as you pass your state exam and get appointed with the carriers. Most new agents write their first policy within their first few weeks of being contracted.
Speed depends on how quickly you complete licensing and how consistently you work the system, both of which we'll help with.
Joining Fortiva is free. There are no upfront fees or buy-ins required.
The only costs involved are for obtaining your life insurance license if you don't already have one, which includes your pre-licensing course and state exam fees. These vary by state but typically total $100–$300.
Yes. Full training is included from day one. You'll have access to our complete agent training system covering:
The system is built and proven. Your job is to follow it.
Yes. You won't be dropped in and left to figure things out on your own. Fortiva was built by active producers. Leaders who are in the field, not just in an office.
You'll have direct access to leadership for questions, coaching, and accountability. This isn't a hands-off agency where you're just a number on a spreadsheet.
Yes, lead resources are available to our agents. Reach out directly for details on current programs, pricing, and what's available in your market.
Contact us at info@fortivausa.com or apply now and we'll cover this during your onboarding conversation.
Life insurance agents earn first-year commissions on each policy issued. Rates vary by product and carrier, but the structure rewards activity and consistency. You also have the potential to earn:
This is a 1099 independent contractor position. You run your own insurance business, setting your own schedule, building your own client base, and keeping 100% of your commissions.
There is no salary or guaranteed base pay. Your income is directly tied to your production. This is a business ownership model, not an employment model, and that's exactly what makes the ceiling unlimited.
Income varies based on your effort, consistency, and how quickly you learn the system. This is an honest answer. Anyone who guarantees you specific numbers upfront isn't being straight with you.
What we can tell you is that life insurance agents who follow a proven system, work consistently, and leverage multiple carriers have real earning potential at every level:
We don't cap your commissions. We give you access to all carriers. We give you training. The rest is up to you.
Yes. Life insurance can be sold over the phone, via video call, or in person. The choice is yours.
All you need is a phone, a computer, and your license. You are not required to commute to an office or work out of a specific location.
We work with agents across the United States. As long as you can obtain a life insurance license in your state, you can work with us.
Have a specific question about your state? Reach out to us directly and we'll confirm availability.
You'll have access to a full product suite across all of our carriers:
This variety lets you serve a much wider range of clients and income levels than agents locked into a single product. See all carriers →
There's no mandatory schedule. You run your own business. That said, most productive agents structure their day around:
The more consistently you work the system, the more predictable your results become. This is a business, and successful agents treat it like one.
We work with all of the major carriers. One application gets you contracted and connected. See all carriers →
Most agencies lock you into one carrier, one product, and one way of doing things. We're different in a few key ways:
Apply and we'll answer everything on your onboarding call. There's no obligation to join after applying. It's just a conversation. We'd rather talk to you than lose you to a question we could have answered in 5 minutes.
Prefer to email first? Reach out to info@fortivausa.com and we'll get back to you quickly.