No Medical Exam Needed - Instant Coverage

"Simplified Underwriting" Now Available

NO nurse, NO medical exam, NO bloodwork, Nothing like that. 


Determine insurability options in 3 Simple Steps:                             

  1. Complete Health Questionnaire:  We'll review your unique situation and shop with top-rated carriers and find the highest level of protection at the lowest rate. 
  2. Request Coverage: After you select the best coverage option, we'll help you complete your enrollment packet for carrier review and approval. 
  3. Coverage Placement: Upon approval and premium draft on a date of your choosing, your coverage is placed In-Force.

Get Approved Within Minutes

Ready to Protect Your Family's Future?

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Premier Protection Options

Final Expense

Indexed Universal Life

Mortgage Protection

 Relieve your loved ones from the financial burden of funeral and end-of-life expenses with permanent, affordable whole life coverage. 


Mortgage Protection

Indexed Universal Life

Mortgage Protection

  Ensure your family can pay the loan or mortgage payments for a time and stay in their home when something happens to you. 

Indexed Universal Life

Indexed Universal Life

Indexed Universal Life

 Build tax-advantage income while protecting your family with death benefit coverage linked to market indexes with downside floor protection. 

FIA's

Indexed Universal Life

Indexed Universal Life

Fixed Indexed Annuities (FIA's) help protect your retirement savings from market losses while offering growth potential and long-term stability. 

Our Carrier Partners

Available Products:

  • Accidental Death
  • Cash Back Option
  • Child IUL & Whole Life
  • Final Expense
  • Fixed Index Annuities
  • Guaranteed Issue Whole Life
  • Index Universal Life (IUL)
  • Living Benefits
  • Mortgage Protection
  • Term 10-20-30yr
  • Whole Life
  • 401(k) Rollover


Get Instant Coverage: ETHOS

  Take the first step towards protecting your family and apply for life insurance online with Ethos. Our modern, 100% online experience makes applying super fast and stress-free.

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Get Personalized Guidance

 Select a time for a call back to discover the best options available to you for Final Expense, Term Life, Mortgage Protection, IUL, Fixed Indexed Annuities and more-from Top AM-Best rated carriers.

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Build a Lucrative Career as an Insurance Professional

Highest Comp in Industry

 Our independent contractor insurance agents start at 80% and achieve top commission levels of up to 145% & vested renewals from day one .

Sales Training

 We offer free training directly from top producers on the exact way to sell life insurance at a high clip. 

Exclusive In-Bound & Out-Bound Leads

 Access qualified Final Expense, Mortgage Protection, Veteran, Trucker, IUL, Mailers & General Life leads.

Your Next Career Move Starts Here

Learn More About a Career With FFL. Take the first step today. Your future, and the families you’ll serve, are waiting.  

Find out more

Ready to take the next step?

 Whether you’re looking for a new full-time career or a flexible way to earn on the side, we’ll show you how to get started. 

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Ready to Secure Your Family's Financial Future?

Ready to Secure Your Family's Financial Future?

Ready to Secure Your Family's Financial Future?

Get a free, no-obligation quote comparison across 30+ top insurance carriers today.

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Ready to Build an Uncapped Income Career?

Ready to Secure Your Family's Financial Future?

Ready to Secure Your Family's Financial Future?

Fill out the form to schedule a 1-on-1 career briefing call within 24hrs.

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