High-Commission FEX Contracts With Top-Level Commissions
FEX Careers helps licensed agents get high-commission FEX contracts with top-level commissions up to 120% first-year with several carriers. Pick one carrier or many, request them online through SureLC and keep your own book of business. No recruiting required.
Get your FEX contracts
Two-minute request. We email your SureLC invitation.
Start my contracting request →FEX contracts that pay up to 120%
These carriers offer first-year levels up to 120% through our agency, based on meeting production requirements: Polish Falcons of America, CICA Life, Royal Neighbors of America, Transamerica, Foresters Financial and Americo.
Every FEX contract and commission level
Levels are first-year, as a percentage of annual premium, and are the highest level available through our agency.
| Carrier | Products | Top level |
|---|---|---|
| Polish Falcons of America | Final expense · Whole life | Up to 120% |
| KSKJ Life | Whole life | Up to 100% |
| Family Benefit Life | Final expense | Up to 105% |
| CICA Life | Final expense | Up to 120% |
| Royal Neighbors of America | Final expense · Life | Up to 120% |
| Liberty Bankers Life | Final expense · Med supp | Up to 110% |
| Baltimore Life | Final expense | Up to 110% |
| Mutual of Omaha | Life · Final expense · Med supp | Up to 110% |
| Transamerica | Life · Final expense | Up to 120% |
| American Amicable | Final expense · Life | Up to 110% |
| Foresters Financial | Life · Final expense | Up to 120% |
| AIG (Corebridge) | Life · Guaranteed issue | Up to 100% |
| Americo | Life · Final expense | Up to 120% |
| Gerber Life | Life · Guaranteed issue | Up to 60% |
| Aetna Supplemental | Final expense · Supplemental | Up to 110% |
| TruStage | Life · Final expense | Up to 100% |
| GTL | Life · Guaranteed issue | Ask us |
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.
What high commission means
First-year commission is a percentage of the policy’s annual premium. On a $50 monthly premium ($600 a year), a 120% level would be $720 in first-year commission. This is only an illustration. Many carriers advance part of it when the policy issues, and unearned advances can be charged back if a policy lapses.
Street-level, top-level commissions
Many agents start at a lower level and work their way up. Our FEX contracts offer levels up to the top level available to us, depending on meeting production requirements. You own your book, subject to each carrier’s agreement.
How to get FEX contracts
- Fill out the two-minute contracting request.
- Watch for your SureLC invitation by email.
- Complete your profile once and e-sign for each carrier you choose.
- Get appointed (as little as 3 days with some carriers) and start writing.
Questions about FEX contracts
What are FEX contracts?
FEX contracts are carrier appointments that let a licensed agent sell final expense (burial) life insurance. You request them through an agency, complete a SureLC profile and e-sign each carrier’s contract.
What does high commission mean on a FEX contract?
First-year commission is paid as a percentage of the policy’s annual premium. Our FEX contracts go up to 120% with several carriers. For example, on a $600 annual premium, 120% would be $720 in first-year commission. This is only an illustration.
What is a top-level commission?
It is the highest first-year level a carrier offers through our agency. Top levels depend on meeting production requirements, vary by product and issue age, and are subject to carrier approval.
Do I have to take every carrier?
No. One FEX contract is fine. Pick the carriers you want, and you do not have to move your other contracts.
Who owns the book of business?
You do, subject to each carrier’s agreement.
What do I need to get FEX contracts?
An active resident life insurance license, E&O and AML training where a carrier requires them, and a clean debit check.