Build More Than a Career.
Build Something of Your Own.

Phoenix Valor gives independent agents the training, mentorship, career access, inbound opportunities, and structure to build a business around their own production.

No insurance experience required.
Bring the work ethic. We'll help you learn the rest.

Remote Life Insurance Agent | 1099 | Commission-Based | Nationwide

EXPLORE THE OPPORTUNITY ↓

OUR STORY

Angela, Emily & Chase | Founders

We started where you are.

We started as agents, with sales experience in some capacity, looking for a better life, not just a better job. We wanted more freedom, more control over our time, the ability to build consistent income, and a better future for ourselves and our families.

Through life insurance, we discovered the opportunity to serve families, help create financial protection and generational legacy, and build something that actually matters.

But we noticed a gap.

There are plenty of places to sell insurance. What we wanted was an environment where agents could receive the support, mentorship, systems, structure, and leadership development needed to actually build.

Our mission is simple: give agents the right vehicle, the right environment, and the right support to turn their goals into something real.

THE OPPORTUNITY

What You’ll Do

✔️ Help individuals and families find life insurance solutions that fit their needs

✔️ Work with multiple carriers and product options

✔️ Conduct sales calls remotely

✔️ Build and manage your own book of business

✔️ Develop long-term client relationships and referral opportunities

You Don't Need Insurance Experience.

We provide the structure, training, systems, and support. You bring the work ethic, coachability, and willingness to grow.

Don't Chase Cold Leads

Our agents work with inbound, pre-screened calls from people who have already expressed interest in life insurance.

INBOUND CALL → APPLICATION → COMMISSION

Agents have access to company-provided leads, with the option to purchase additional leads depending on their compensation structure.

Our current inbound call experience has produced approximately a 20% sales conversion rate from answer → close.

| Mutual Of Omaha | Transamerica | Aflac | Ethos | American Amicable | Foresters | American General Life | Gerber Life | Liberty Bankers Life | Royal Neighbors of America | Corebridge | Aetna | Accendo

| Mutual Of Omaha | Transamerica | Aflac | Ethos | American Amicable | Foresters | American General Life | Gerber Life | Liberty Bankers Life | Royal Neighbors of America | Corebridge | Aetna | Accendo

WHEREVER YOU’RE STARTING,
THERE’S A PLACE FOR YOU

TWO WAYS IN

NEW TO INSURANCE

You don’t need experience. You need work ethic.

Life insurance is a real profession, and we'll teach you how to build the foundation instead of throwing you into the deep end and calling it “training.” If you’re consistent, coachable, honest and willing to grow — we’ll handle the rest.

✓ Step-by-step guidance through licensing

✓ Training, scripts & mentorship

✓ Company-provided inbound opportunities at our starting compensation level

✓ A 1099 business you can actually grow

ALREADY IN SALES OR INSURANCE

Maybe you're already licensed. Maybe you've been selling for years. Maybe you're just tired of feeling like you're building someone else's business while your own goals stay on the back burner.

You don't need another motivational speech. You need more control, better support, and a model that gives you room to build.

✓ Access to multiple carriers

✓ Independent 1099 structure

✓ Company-provided opportunities while you build

✓ Higher compensation levels with the option to invest in your own leads

MORE THAN TRAINING

We don't just hand you a script and send you to work.

We built a system designed to help you learn the business, develop the habits, build real client relationships, and eventually create a business of your own.

Training. Systems. Mentorship. Relationships.

DISCOVER THE PHOENIX VALOR SYSTEM →

HOW COMMISSION WORKS

How the money actually works.

We’re not here to throw around income claims or show you a commission percentage without explaining what it means.

You should understand exactly how you get paid before you ever write your first policy.

Phoenix Valor agents are independent 1099 contractors. You’re paid through carrier commissions based on the business you write, with contract levels currently ranging from 30%–85%, depending on your contract and production.

  • When you help a client apply for coverage and the policy is issued, the carrier pays a commission based on the policy's premium and your contracted commission level.

    Here’s a simple example:

    $100/month premium
    = $1,200 annual premium
    × 50% commission
    = $600 gross commission

    Actual compensation varies by carrier, product, premium, and contract level.

  • Carriers advance a portion of your first-year commission when a policy is issued rather than paying it month by month.

    That means you receive a significant portion of the commission upfront.

    The flip side?

    If a policy lapses or cancels early, the carrier may charge back some or all of the advanced commission.

    That's why we don't just teach you how to make the sale. We teach you how to write business that stays on the books.

  • At your starting compensation level, agents receive company-provided inbound opportunities at no lead cost.

    As you build experience, you have the option to move into higher compensation levels and take more control over your own lead investment.

    So you can choose between:

    STARTING OUT
    Company-provided opportunities
    → Learn the process
    → Build confidence
    → Write business

    BUILDING YOUR BUSINESS
    Higher compensation level
    → Invest in your own leads
    → Control more of your lead flow
    → Build your own production

WHO WE’RE LOOKING FOR

You might be a good fit if…

✓ YOU TAKE OWNERSHIP

Take responsibility for your activity, results, learning, and growth.

✓ YOU’RE CONSISTENT

Success isn't built from occasional bursts of effort. We value consistent activity and follow-through.

✓ YOU’RE COACHABLE

Be willing to receive feedback, learn new skills, and make adjustments.

✓ YOU’RE POSITIVE

We care about the culture here and how you conduct yourself—with clients, teammates, leaders, and yourself.

FROM INTERESTED TO INDEPENDENT AGENT

1) Apply

Start by reviewing this page and learning about the opportunity, how the role works, and what getting started looks like. If it sounds like something you're interested in, fill out the application form below.

2) Connect With Us

We'll have a conversation about your background, goals, experience and whether this could be a good fit. This is a chance for both of us to ask questions and determine whether moving forward makes sense.

3) Licensing & Onboarding

If you're not currently licensed, you'll begin your licensing process. Once licensed, you'll move into onboarding, contracting, carrier appointments, and training.

4) Training & Earning

Once you're licensed and onboarded, you'll learn our systems, products, sales process, and how to work with inbound calls. From there, the goal is simple: build your skills, serve your clients well, and develop consistent production.

HONEST ANSWERS

  • No. You can apply without insurance experience or a license. If you're selected, we'll help you understand the licensing process and what you need to do to get started.

  • No. Phoenix Valor is a life insurance agency built around selling insurance to clients. Agents are paid for the business they personally write. Building a team is an optional path for agents who want to develop leadership.

  • This is a 100% commission-based, 1099 independent-contractor opportunity. There is no guaranteed salary. Your income is based on the business you write and your contracted commission level.

  • Your main upfront cost is obtaining your required insurance license. Licensing costs vary by state, but agents should generally expect approximately $300–$500 in initial licensing expenses. At our starting compensation level, company-provided inbound opportunities are available at no lead cost.

  • Yes. At our starting compensation level, agents receive company-provided inbound opportunities at no lead cost. As agents grow, they can choose higher compensation levels and invest in their own leads for greater control over their pipeline.

  • Yes. If you're already licensed and contracted elsewhere, we'll review your current situation and walk you through the process of transitioning.

  • The opportunity is designed for agents who are serious about building production, but your schedule can depend on your goals and availability. We'll discuss expectations during the application process.

THINK YOU COULD BE A PHOENIX?

Whether you're an experienced agent, a proven salesperson, or completely new to the industry, we're looking for people who are ready to take ownership of what they build.

If you're looking for a place to grow—not just a place to sell—we should talk.

Fill out the application below, and our Director of Onboarding will be in touch.