Independent Agent Career — Nationwide

Stop Chasing.Start Closing.

Citizens Life Group is hiring licensed independent agents tired of buying their own leads, waiting weeks to get paid, and working for companies that don't support the field. Plug into a system that's already producing — and keep what you earn.

$0
Lead Costs
75%
Annual Advance
3–7
Days to Onboard
100%
Remote
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Built For The Closer
You're not broken. The system you've been working is.
We built Citizens Life Group for the agent who's done leaving money on the table.
— Citizens Life Group Leadership
What We Offer

Everything you need.
Nothing in your way.

A finished system, not a starter kit. Quality leads, real training, and leadership that actually picks up the phone — all dialed in so you can focus on closing.

01

Free / Financed Lead Program

Agents do not pay for leads out of pocket. We absorb that cost so you can focus on selling — not sourcing.

02

Get Paid Fast

Policy advances at 75% of contract level on annual premium. You don't wait weeks to see your money.

03

Live Transfer Model

Spend your time talking to interested, pre-qualified prospects — not cold calling. Outbound leads are also available to keep your pipeline full.

04

Upgrade Path

As you grow with our systems and processes, you become eligible for higher contracts on our paid lead program — meaning you start earning more for what you're already doing.

05

Full Remote Flexibility

Work from anywhere with a phone and internet connection. No office, no commute.

06

Ongoing Support & Training

Live training systems, real processes, and a leadership team that actually picks up the phone.

07

Immediate Hiring

We aim to have agents started in as little as 3 to 7 days. Hired, trained, and closing in under a week.

What You'll Be Selling

Three lines.
Endless opportunity.

Every product on our shelf is in demand year-round, with proven scripts, qualified leads, and the back-office support to close them.

Line 01

Whole Life
& Final Expense

The category we're built around. Predictable demand, simplified underwriting, and a senior market that converts on the first call.

  • Average policy size $35–$80/mo premium
  • Same-day issue carriers available
  • Live transfers — every call pre-qualified
Line 02

Term Life
Insurance

For families building protection on a budget. Higher face amounts, broader age range, and a perfect cross-sell for every Final Expense conversation.

  • 10, 20, and 30 year terms
  • Instant decision carriers
  • Excellent for younger demos and household upsells
Line 03

Medicare
Advantage

During Open Enrollment Season our agents own the phone — inbound, qualified Medicare-eligible prospects, and the carrier appointments to close them.

  • AEP and OEP volume from October through March
  • Top-tier carrier appointments available
  • Year-round SEP opportunities for licensed agents
Who We're Looking For

We're not for
everyone.
We're for closers.

Citizens Life Group is for the licensed professional looking for a long-term home — not just a quick contract. If the list on the right reads like your resume, we should talk.

Active Life & Health License in 5–7+ statesMulti-state agents will scale faster on our system.
Experience in Final Expense, Senior Life, or Medicare1+ year of sales experience required.
Comfortable with live transfers & inbound leadsIf you can have a real conversation, you can win here.
Independent — manages own pipeline & follow-ups1099 contractor. You own your business.
Coachable and willing to learn our systemsThe agents who plug in fully are the agents who win.
Looking for a long-term homeWe invest in agents who invest in themselves.
Spanish speaking is a plusOpen the door to a wider book of business.
Compensation

Your effort.
Uncapped.

1099 independent contractor. Commission only. Earnings tied directly to your activity — no caps, no excuses.

75%

Annual Premium Advance

Get paid fast. Industry-leading advance rate at your contract level so you stop waiting and start earning.

$0

Out-of-Pocket Lead Cost

Free and financed lead programs. You never come out of pocket to get on the phone.

Earning Ceiling

Commission only — unlimited upside. Master our systems and unlock higher contracts.

How This Works

A clear path.
No fluff. No pressure.

Qualified applicants are personally contacted to schedule a live group overview — then individual interviews, then onboarding.

1

Application Review

Submit your information. Our hiring team personally reviews every application — usually same-day.

2

Live Group Overview

See exactly how Citizens Life Group operates — lead program, compensation, training, systems walkthrough. Ask any questions.

3

Interview & Onboarding

Selected candidates move into individual interviews and onboarding. Working leads in 3 to 7 days.

Citizens Life Group

Stop Chasing.
Start Closing.

If you are multi-state licensed, hungry, and ready to plug into a real system with real support — we want to hear from you.

Citizens Life Group — Building The Future Together