Now accepting final expense agents in 16 states, with more coming
FEXCareersApply now
Independent agents · No recruiting required

Sell final expense. Own your book. Skip the recruiting.

FEXCareers offers high-commission final expense contracts for independent agents, with top-level commissions up to 120% with several carriers, based on meeting production requirements. Your level comes from your own sales, not from building a team. Request contracts online through SureLC, with low-cost leads and real training behind you.

Start my applicationSee commission levels
  • 17Carriers
  • 16States, more coming
  • 3 daysTo appointment, some carriers
Contract boardUp to
Polish Falcons of AmericaFinal expense · Whole life
120%
Your contracting path
  1. Apply
  2. SureLC invite
  3. E-sign
  4. Appointed
No recruiting required

We don’t believe in recruit, recruit, recruit.

Recruiting-first agencies push people into the field before they are ready to sell. Here is what that does to agents, and why we work differently.

How the recruiting treadmill works

  1. Recruit anyone with a license. Raises depend on team size, so readiness comes second.
  2. Policies lapse early. Agents who were rushed write business that falls off.
  3. Chargebacks hit. The carrier takes back the unearned advance.
  4. Debt rolls up. Under many agreements, unpaid downline chargebacks roll up to the upline.
  5. The upline washes out. Then the cycle starts over with new recruits.

How we work

  • No recruiting quotas or team targets. Ever.
  • Your level comes from your own production, not the size of a downline.
  • You own your book, subject to each carrier’s agreement.
  • Training built to keep policies on the books, so you are not chasing chargebacks.
  • One contract is fine. No minimum, no pressure.
Why we don’t require recruiting →

Sources: LegalClarity on upline roll-up debt; FTC on recruiting-focused business models. Results vary and depend on your own activity.

MiHUB™ · Built by agents, for agents

Your whole field day, in your pocket.

Built by agents who meet face-to-face with clients at their kitchen tables. MiHUB™ brings everything you need to sell and keep your clients into one simple app on your phone, iPad or computer. One login instead of a separate CRM, dialer, route app, calendar and sales coach.

  • Exclusive: your own AI Live Coach. Only in MiHUB™.
  • Free professional website included. Built and hosted for you.
  • New: your own AI receptionist. It answers your calls, books appointments and takes your messages.
  • Built for the field or the office. Knock doors or sell by phone, all in one place. Big buttons, simple screens, works on any phone.
  • Medicare Advantage tools built in. Designed to follow CMS Medicare rules and easy to use.
  • From the first knock to the sale, without switching apps.
  • Add it to your home screen like an app. No download needed.
  • Your own private login. Your clients and numbers stay yours.
Exclusive · AI Live Coach

Your own AI sales coach. Only in MiHUB™.

The edge most agents never get. MiHUB™'s AI Live Coach is in your corner on every call, so you feel confident, stay sharp and keep getting better, whether you are brand new or a seasoned pro.

Confidence on every callReal-time supportBetter with every call
Free for agents contracted with our agency.Get contracted todayNot contracting? Get MiHUB™ on its own.A training aid. Agents remain responsible for compliance on every call.
New · AI Receptionist

Never miss a client call again. Only in MiHUB™.

When clients call the office for you, MiHUB™'s AI receptionist answers in a warm, professional voice. It books appointments right onto your calendar, connects callers to you, and if you're busy, it takes the message so you can call back with confidence.

Answers every callBooks on your calendarMessages with recording & transcript
Free for agents contracted with our agency.Get contracted todayNot contracting? Get MiHUB™ on its own.The AI receptionist shares general office information only. All insurance questions go to a licensed agent.

Swipe to see more →

See MiHUB™ in 30 seconds

Leads, routes, calls, clients and a live AI coach, in one login.

Scenes are AI-generated. Hub screens show sample data.

40+built-in tools
1login for everything
Anydevice: phone, iPad or computer
$0for all-contracts agents

In the field

  • Plan your day in minutes
  • Know your leads before you knock
  • A clear record of your field work
  • Office help with hard-to-reach leads

Built-in calling

  • Call your leads from any device
  • Client details on screen when they answer
  • Calling protections built in
  • Calls kept private and secure
  • Ask for more leads to call, right from your dialer
  • AI receptionist that answers calls, books appointments and takes messages New

Calendar & appointments

  • Appointments set for you by our office
  • Everything you need, one tap from each appointment
  • Never miss a call back
  • Find any appointment by typing a name

Clients & your book

  • Every client and policy in one place
  • Alerts before a policy is lost
  • Client reminders and yearly review letters
  • Your numbers at a glance
  • Hand a lead to another agent in one tap

Medicare Advantage

  • Enroll through HealthSherpa, right inside MiHUB™
  • A wide range of Medicare Advantage carriers in one place
  • Completed enrollments saved to your client's file
  • Guided phone enrollment
  • Plan options for your client's area
  • Practice before your first real call
  • Plan changes kept separate from cancellations

Selling & training

  • Quotes at the kitchen table
  • Training built by agents who sell every week
  • Forms and carrier contacts in one place

Notes & client files

  • Handwritten notes with Apple Pencil
  • Every note saved in the client's file
  • Photos of IDs and forms kept with the client
  • Scope of Appointment signed on screen
  • Policy papers saved with each client
  • Client details filled in from a photo of their card

Email campaigns INCLUDED

  • Branded emails to your clients and leads
  • Annual reviews, birthdays and holiday thank-yous
  • Enrollment-season reminders
  • Unsubscribes handled for you

Voice search INCLUDED

  • Just tap and say what you need
  • Open a client's file by name
  • See tomorrow's appointments and this week's birthdays
  • Add a quick note without typing

AI Practice Partner ADD-ON

  • Practice out loud with a lifelike AI client
  • Built from your agency's own training manual
  • A score and next steps after every session
  • $39 a month per user, up to 300 practice minutes a month

Designed to follow CMS Medicare rules and easy to use. Medicare Advantage carriers available to you depend on your carrier appointments and your client's area. See the full Hub in a live walkthrough once you are contracted with us.

Included

All your contracts with us

Free

The full MiHUB™ at no cost when all of your carrier contracts are through our agency.

  • Every included feature above
  • Your own professional website, built and hosted free
  • New features as they are added
  • Training and field support
Get contracted and get MiHUB™
Not contracting with us?

Get MiHUB™ on its own.

Any licensed agent or agency can buy MiHUB™. Founding Members (first 25 only) lock in $59 a month solo or $45 per agent a month for agencies for 12 months. Regular price $79 solo or $59 per agent. One-time setup fee applies. Try it free for 30 days.

Start your free 30-day trialSee MiHUB™ pricing

MiHUB™ is proprietary software developed and owned by Michigan Benefit Service & Family Care, LLC. Its design, features, workflows and content are confidential and may not be copied, reproduced, reverse-engineered or shared. Access is limited to licensed agents and agencies and is subject to the MiHUB™ Terms of Use at getmihub.com/terms. Free access requires all of your carrier contracts to be through our agency. Otherwise, MiHUB™ is a paid subscription. Quotes come from live carrier quoting tools; final premium and approval are set by each carrier's underwriting. Features may change. MiHUB™ is a business tool and does not guarantee sales or income. © 2026 Michigan Benefit Service & Family Care, LLC. All rights reserved.

Polish Falcons of AmericaKSKJ LifeFamily Benefit LifeCICA LifeRoyal Neighbors of AmericaLiberty Bankers LifeBaltimore LifeMutual of OmahaTransamericaAmerican AmicableForesters FinancialAIG (Corebridge)AmericoGerber LifeAetna SupplementalTruStageGTLPolish Falcons of AmericaKSKJ LifeFamily Benefit LifeCICA LifeRoyal Neighbors of AmericaLiberty Bankers LifeBaltimore LifeMutual of OmahaTransamericaAmerican AmicableForesters FinancialAIG (Corebridge)AmericoGerber LifeAetna SupplementalTruStageGTL
Top-level commissions

Find your commission level

Top-level commissions on your final expense contracts, with you owning your book of business. Levels shown depend on meeting production requirements. Search a carrier or filter by product.

Polish Falcons of America

Polish Falcons of America

Final expense · Whole life

Up to120%

Please contact us regarding Polish Falcons’ unique commission structure.

Request contract →

See every FEX contract and commission level →

Commission levels shown are first-year, as a percentage of annual premium, and are the highest level available. Top levels depend on meeting production requirements. Actual levels vary by product, issue age, and contract level, are subject to carrier approval, and are not a guarantee of earnings. Book ownership is subject to each carrier’s agreement.

How contracting works

Request in minutes. Appointed in days.

Contracting runs through SureLC by SuranceBay. Complete your profile once, then e-sign for each carrier.

01

Apply here

Two-minute application. Pick one carrier or many.

02

Get your SureLC invite

We send a SureLC by SuranceBay link to your email.

03

E-sign online

Complete your SureLC profile once and e-sign for each carrier you choose.

04

Get appointed

Appointed in as little as 3 days with some carriers, and ready to write.

Laptop, phone and direct-mail reply cards on a desk
$0We make nothing from leads
Lead programs

Leads from people who raised their hand

We do not sell leads. We connect you with exclusive third-party vendors for low-cost leads and pass our discount on to you.

Direct mailLow-cost reply cards in targeted ZIP codes
Real-time digitalFresh online leads from exclusive vendors
Your discountOur vendor discount passed on to you

We do not sell leads. We work with exclusive third-party vendors for low-cost direct-mail and real-time digital leads, and pass our discount on to you. We do not make any money from leads. Lead types, costs, and availability vary by vendor and state.

Training

Coaching built for the kitchen table

Exclusive proprietary training materials are provided.

01

The appointment

Phone scripts for working final expense leads, setting appointments that hold, and confirming the day before.

02

The presentation

A clear, respectful kitchen-table presentation that puts the client’s needs first.

03

Underwriting

How to read health history and match each client to day-one, graded, or guaranteed issue coverage.

04

Placement

Clean applications, smart draft dates, and follow-up that keeps business on the books.

Medicare Advantage

Medicare Advantage contracts and training

Get contracted with leading Medicare Advantage carriers and get the training to sell with confidence.

  • Street-level compensation. Paid at the carrier’s full agent level, within CMS compensation rules.
  • You own your book. Your clients stay yours, subject to each carrier’s agreement.
  • AHIP and certification help. Step-by-step support for AHIP and each carrier’s annual certification.
  • Exclusive training. Proprietary Medicare training on plan comparisons, enrollment periods, and compliant sales.
Request Medicare contracts
UnitedHealthcare
Humana
Aetna Medicare
Wellcare
Anthem
Devoted Health
Molina Healthcare
HAP
Priority Health
Zing Health

Medicare Advantage compensation is set by each carrier within CMS limits. You must complete AHIP and each carrier’s certification before selling. Plan availability varies by state and county.

Apply

Request your contracts

Three short steps. We email your SureLC invitation for each carrier you choose. Just one contract is fine.

Contracting application

Request in minutes · 3 short steps

  1. Your info
  2. Licensing
  3. Your business

Please review and agree

States

Where we contract

We currently contract agents in the 16 states where our agency is licensed. We are adding states as requests come in. If your state is not listed, apply anyway and choose “Other state.”

ALAlabama
AZArizona
FLFlorida
GAGeorgia
INIndiana
KYKentucky
MIMichigan
MSMississippi
NCNorth Carolina
OHOhio
PAPennsylvania
SCSouth Carolina
TNTennessee
TXTexas
VAVirginia
WVWest Virginia
+More coming
FAQ

Common questions

Do I have to recruit other agents?

No. Recruiting is never required to get contracted, keep your contracts or reach a higher level. Your level is based on your own production. Read why we don’t require recruiting.

Will you push me to build a team?

No. There are no team targets or recruiting quotas. If you ever want to talk about building an agency, that is your choice, never a condition of your contract.

Can I pick up just one contract?

Yes. Contract with one carrier or as many as you like. There is no minimum, and you do not have to move your other contracts.

How does contracting work?

It is all online through SureLC by SuranceBay. After you request contracts here, you receive a SureLC invitation, complete your profile once, and e-sign for each carrier you choose. Read our carrier contracting guide for the full process.

How fast will I be appointed?

Some carriers can appoint you in as little as 3 days. Timing depends on the carrier and your state, and each carrier makes the final decision.

Do I need a license?

You need an active resident life license to be appointed, and an accident & health license for health and Medicare products. If your license is in progress, apply now and we will help you plan your next steps.

How do the lead programs work?

We do not sell leads. We work with exclusive third-party vendors for low-cost direct-mail and real-time digital leads, and pass our discount on to you. We do not make any money from leads.

What are top-level commissions on final expense contracts?

A top-level commission is the highest first-year level a carrier offers through our agency. Our final expense contracts go up to 120% of annual premium with several carriers. Top levels depend on meeting production requirements, vary by product and issue age, and are subject to carrier approval.

Which final expense contracts pay up to 120%?

Polish Falcons of America, CICA Life, Royal Neighbors of America, Transamerica, Foresters Financial and Americo, based on meeting production requirements. See the full list on our final expense contracts page.

What commission levels are available?

First-year levels go up to 120% of annual premium with several carriers, shown on the commission board above. Top levels depend on meeting production requirements. Actual levels vary by product, issue age and contract level, and are subject to carrier approval.

Do I own my book of business?

Yes, your clients stay yours, subject to each carrier’s agreement.

Can I also get Medicare Advantage contracts?

Yes. We contract Medicare Advantage carriers too. You must complete AHIP and each carrier’s certification before selling, and compensation is set by each carrier within CMS limits.

What if my state is not listed?

We currently contract agents in the 16 states where our agency is licensed, and we are adding states as requests come in. Apply and choose “Other state.”

Ready when you are.

One contract or all of them. Start your application today.

Start my application
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