Independent life insurance agency

An agency that shows its math.

Contract levels, overrides, chargebacks and release terms, explained in plain words before anyone signs anything.

Apply to join How we are paid

A life insurance agent points to a page of a printed policy as a smiling couple read along at their kitchen table, their dog resting on the rug — Contracting terms are shared on a call.

Where a commission dollar goesAny policy, any upline

Carrier pays$The insurer pays commission on the policy from its own schedule.

IMO override$The marketing organization keeps the gap between its level and the next.

Agency override$The agency keeps the gap between its level and yours.

You keep$Your contract level times the premium the carrier pays on.

The amounts are blank on purpose. They come from the carrier schedule and your written contract. Contracting terms are shared on a call. How the split works

Terms at a glance

Six terms to get in writing from any upline

Most of what decides an agent's first year sits in the contract, not the pitch. These are the six lines we ask every recruit to read before signing anywhere, with us or with anyone else.

Release policy

How you leave, and how long it takes

One industry guide describes uplines where the only way out is to stop writing with those carriers for six months.² Another says to ask for the release policy before signing.¹

Ours, shared on a call

Chargebacks and debt

What happens when a policy lapses early

Advance deals often pay 6, 9, 12 or 15 months of first-year commission up front. A lapse inside the chargeback window, usually the first year, claws back the unearned part.³ Ask who carries that debt after you leave.

Ours, shared on a call

Leads

Who pays for them, and who owns them

Lead costs can come out of your commission before you see it. Ask the price per lead, the refund rule and whether the client stays yours if you move.

Ours, shared on a call

Non-solicitation

Who you may contact after you go

Some agreements limit contact with clients or agents after you leave. Read how long the limit runs and what counts as soliciting.

Ours, shared on a call

Vesting

Whether renewals follow you

The same guide advises agents to look for full ownership of their book from the first day.² Ask when you vest and what happens to renewals if you stop writing.

Ours, shared on a call

Advance or as-earned

When the money actually arrives

An advance pays early and can be clawed back. As-earned pays month by month and leaves no debt behind. Ask which options you get, at what percent.

Ours, shared on a call

Where to start

Three ways in

An agent wearing a headset smiles while taking notes on a call from his bright home office

Licensed and looking

You already write life insurance and want to know what a contract with us would look like.

A young woman studies for her insurance license exam at her kitchen table late at night under a desk lamp

New to insurance

You are weighing a license and want the steps, the costs and the odds before you pay for a course.

How licensing works here

An agency owner reads through a stack of contracting paperwork at the desk of his storefront office

Running your own agency

You lead agents or plan to, and want the structure, the cover and the paperwork laid out.

How contracting works here

From application to your first policy

An experienced agent with gray hair coaches a new agent over a notepad by a sunny office window

Apply. Six short fields on the careers page. No license is needed to start the conversation.
Talk it through. We call you and go over contracting terms line by line, including the six above.
Sign the paperwork. If both sides want to go ahead, you complete contracting with each insurer you will write for.
Get appointed. Each insurer appoints you in the states where you hold a license.
Start writing. You receive a writing number from each insurer and can submit business.

Have these ready for the call

Your resident state and the lines on your license, or your course start date if you are not licensed yet
Whether you carry errors and omissions cover now
Any upline you are contracted with today, and where your release stands
The products and markets you write or want to write
Your questions about the six terms

The company

Who you would be signing with

Four agents of different ages share a laugh around a table in a small brick office

Legal name: North Life Group LLC
Entity: Florida limited liability company
Office: 1835 NE Miami Gardens Dr, Ste 340, North Miami Beach, FL 33179
Phone: (305) 699-5857

Type: Independent life insurance agency
Licensing: Agents write only where they hold a license. Licenses
Standards: Dated sources on every page. Editorial standards

Library

The agent library

Sourced, dated pages on pay, contracts, licensing and leads. Every figure names its source.

IMOs and uplinesWhat an IMO is, and what it costs youAn IMO never sends you a bill. It is paid out of the same commission you are, and the price shows up as the level you are offered.Checked Nov 11, 2026 · 7 min
IMOs and uplinesIMO, FMO, BGA, MGA and NMO in one diagramIn life insurance these are heights on the same ladder between the insurer and the writing agent. No regulator ranks them, which is why the sources disagree.Checked Nov 11, 2026 · 6 min
CommissionsHow life insurance agents get paidThe insurer pays, not the client. What lands in your account depends on four numbers, and the one most agents skip is the commission base.Checked Nov 11, 2026 · 7 min
CommissionsContract levels, overrides, vesting and releasesFour terms decide what an insurance contract is worth after the first year. None of them should rest on a recruiter's word.Checked Nov 11, 2026 · 7 min
CommissionsAdvances and chargebacksAn advance is the insurer paying you before the premium arrives. A chargeback is the insurer taking back whatever the premium never covered.Checked Nov 11, 2026 · 8 min

Tools

Run the numbers yourself

Life insurance commission calculatorPremium and contract level in. The advance, the renewals and the chargeback a lapse would leave come out. Every default is industry data or a labeled example.

An agent shakes hands with a homeowner couple on their front porch while their golden retriever looks on

Agents and future agents

Ask us the questions most uplines dodge

Contracting terms are shared on a call. Send the short application and we call you, or call us now.

Apply to join Or call (305) 699-5857