Final Expense Elite Programs
Start with a structured path.
From licensing to live production.
The Final Expense Elite Junior Broker Program is designed for aspiring and developing insurance professionals who need a structured path through licensing, sales training, technology onboarding, and preparation for licensed final expense production.
Start point → destination · no fixed timeline
- 01Start
- 02Licensing
- 03Academy
- 04Guided practice
- 05System onboarding
- 06Licensed production
- Licensing Path
- Sales Training
- Technology Onboarding
- Guided Practice
- Licensed Production Path
Who this program is for
- Aspiring final expense agents
- Newly licensed agents
- Developing producers who need structure
- Professionals moving into virtual insurance sales
The gap
Getting licensed is only one part of becoming an agent.
The transition can be confusing without a clear roadmap. The Junior Broker Program organizes it into a structured path, and helps you understand and navigate each requirement.
- Pre-licensing education
- State exam preparation
- License application
- Fingerprinting / background where applicable
- Carrier contracting
- Product training
- Sales training
- Technology
- Lead workflow
- CRM
- Applications
- Follow-up
- Daily operating habits
Program fit
Is the Junior Broker path right for you?
- 01
Aspiring agent
Not yet licensed and needs a clear starting point. - 02
Newly licensed agent
Licensed, but hasn't built a repeatable sales system. - 03
Career transition
Moving from another industry into insurance sales. - 04
New virtual producer
Understands insurance but needs a remote-sales workflow.
This may not be the right fit if…
- — You're looking for guaranteed income
- — You're looking for passive income
- — You don't want to complete licensing requirements
- — You don't want to make outbound calls
- — You expect the technology to do the selling
- — You won't follow carrier, licensing or program requirements
The path
Four stages. One clear direction.
- 01Licensing path
- 02Sales academy
- 03Guided environment
- 04Licensed production path
Timelines vary by person and state. There's no fixed completion date.
Program stage 01
Start with the licensing path.
Licensing timelines vary by state, applicant, testing availability, background processing and regulatory review. Individual state guides are the authority for detailed steps.
Start with your home state
- 01Choose your home-state path
- 02Complete required education
- 03Prepare for the exam
- 04Complete the exam where required
- 05Submit the licensing application
- 06Complete background / fingerprint requirements where applicable
- 07Confirm license status
- 08Begin contracting / appointments
- 09Set up Final Expense Elite systems
Program stage 02 · The Elite Academy
Learn the system before you rely on live calls.
A structured training phase covering the Final Expense Elite sales system, using the same training every agent uses.
Module 01
Final expense fundamentals
Module 02
Sales scripts
Module 03
Discovery
Module 04
Objection handling
Module 05
3-Policy Strategy
Module 06
Virtual telesales
Module 07
Application workflow
Module 08
CRM + follow-up
Training is not the same as completion.
- Watch lessons
- Attend training
- Practice scripts
- Roleplay
- Complete onboarding tasks
- Set up technology
- Study independently
- Pass required state exams
Program progress
Program UI concept- Licensing60%
- Sales ScriptsCompleted
- Objection HandlingIn progress
- Virtual TelesalesNot started
- Technology setupNot started
Program stage 03
See the workflow before you run it on your own.
Guided practice uses training sessions, roleplay and demo systems, not live client calls.
Watch
Observe the workflow.
Practice
Roleplay and use demo systems.
Review
Get feedback.
Repeat
Build the habit.
Learn the tools before the tools become the job.
Program stage 04
When you're authorized and ready, the role changes.
A structured program can reduce unnecessary guesswork during the move into insurance sales. From application to authorized production:
- Active insurance license
- Required carrier contracts / appointments
- Required training completed
- Technology setup completed
- Program approval
- 01Junior Broker — training + licensing
- 02License requirements complete
- 03Contracting / appointments
- 04System readiness
- 05Authorized production role
- 06Continued 90-Day development
See yourself in the path?
The next step is a program application.
What Final Expense Elite provides
- Licensing roadmap and state guides
- Training curriculum
- Sales scripts
- Objection training
- 3-Policy Strategy
- Virtual telesales training
- Technology onboarding
- AI Dialer and leads per current terms
- Agent Dashboard
What you provide
- Time to complete licensing
- Study effort
- Computer, headset, internet
- Professional workspace
- Training participation
- Consistent activity
- Accurate information
- Following program rules
Costs & terms
Clear startup requirements.
Insurance sales can involve licensing expenses, equipment, time, commission variability and business costs. Here's what we can state today; the rest is confirmed with you before you commit.
Income and production vary. Insurance sales results depend on licensing, contracting, activity, skill, market conditions, lead availability, carrier/product availability, persistency, chargebacks, and other factors. Participation in the Junior Broker Program does not guarantee sales, commissions, or any level of income.
- Application fee
- Confirming current terms
- Training cost
- Confirming current terms
- Licensing costs
- Confirming current terms
- Platform cost
- $200 / month platform seat once in the licensed production path
- Lead access
- Outbound leads included with an eligible active seat
- Optional services
- Live transfers: optional, separate cost
- Equipment
- Computer, headset, reliable internet and a quiet workspace
- Compensation
- Confirming current terms
- Relationship
- Confirming current terms
Applying
From application to authorized production.
- 01Application
- 02Licensing
- 03Training
- 04System readiness
- 05Contracting / appointments
- 06Authorized production
- 0790-Day development
The whole system, one entry point.
- Licensing
- Training
- Coaching
- Application path
- AI Dialer
- Leads
- CRM
- 90-Day Roadmap
Later, if you want it
Production first. Leadership later.
Some producers eventually build teams. Others stay individual producers. Both are valid paths.
FAQ
Junior Broker questions
What is the Final Expense Elite Junior Broker Program?
A structured path for people entering final expense sales: licensing resources, sales training, technology onboarding and preparation for licensed production.
Do I need an insurance license before applying?
No. The program is built for people who still need to complete some or all of the licensing process, as well as newly licensed agents.
Can I sell insurance before I am licensed?
No. You can't sell, solicit, quote, negotiate or take applications until the required licensing, appointments and contracting are complete.
What does "Junior Broker" mean?
It's Final Expense Elite's internal program designation. It does not by itself indicate insurance licensure.
How does Final Expense Elite help with licensing?
With a licensing path, state guides and guidance on the steps. The state regulator remains the authority on requirements.
How long does licensing take?
It varies by state, applicant, testing availability, background processing and regulatory review.
What happens after I become licensed?
You move through contracting and appointments and system setup, then into the licensed production path and the rest of the 90-Day Roadmap.
What training is included?
The Final Expense Elite training system: sales scripts, objection handling, the 3-Policy Strategy, virtual telesales, applications and follow-up.
How does the 90-Day Roadmap fit into the program?
The roadmap organizes your first 90 days: Foundation, Volume and Scale. The Junior Broker path covers the Foundation work before live production.
Do Junior Brokers receive leads?
Outbound lead access comes with an eligible active platform seat in the licensed production path. Leads are only worked once you're licensed in that state.
Is there a cost to join?
This depends on current program terms, which we'll confirm with you during the application conversation.
Who pays licensing fees?
This depends on current program terms, which we'll confirm with you during the application conversation.
Is there a platform fee?
The platform seat is currently $200 a month once you're working leads in the licensed production path, subject to current program terms.
What equipment do I need?
A computer, a headset, reliable internet and a quiet workspace. See Virtual Telesales 101 for setup details.
How does compensation work?
This depends on current program terms, which we'll confirm with you during the application conversation.
Are commissions guaranteed?
No. Commissions depend on policy issuance, carrier terms, persistency and your own production.
Am I an employee or independent contractor?
This depends on current program terms, which we'll confirm with you during the application conversation.
Are Junior Brokers guaranteed acceptance into the licensed production path?
No. Progression depends on completing licensing, training, contracting and program requirements.
What happens after I apply?
Your application is reviewed, and if it's a fit we schedule a conversation to talk through your situation, the licensing path and the current program terms.
Can experienced licensed agents apply?
Yes. Licensed agents can apply too; some stages may go faster when licensing is already complete.
Can I eventually build an agency?
Some producers eventually choose to build teams through Agency Builder. Others stay individual producers. Both are valid paths.
Start with the foundation
Get licensed. Learn the system. Build the skill.
The Junior Broker Program gives developing agents a structured path through licensing resources, sales training, technology onboarding, and preparation for authorized final expense production. Application does not guarantee acceptance, insurance licensure, carrier appointment, sales, commissions, production, or income.