Life insurance careers · est. agents & first-timers

Build the life insurance business you'll actually own.

Kumquat hands licensed and soon-to-be-licensed agents the carriers, leads, training, and comp structure to go from first dial to a self-sustaining book — fast.

Contracting in24 hours
Vested renewalsfrom day one
15+ lead sourcesone platform
0
Comp levels up to 145%¹
0
Hour carrier contracting
0+
Vetted lead vendors
Day 1
Vested whole-life renewals
Why agents build here

Everything a producer needs — under one roof.

Most agencies hand you a contract and wish you luck. Kumquat hands you the whole system: carriers, leads, training, mentorship, and a path to building your own team.

%

Aggressive, uncapped comp

Contract levels up to 145% with a clear path to raises as you produce. You own your book.

Vested renewals, day one

Earn vested renewals on whole-life products from your very first policy — income that compounds.

Contracted in 24 hours

Multi-carrier contracting handled for you, fast — so you can write business this week, not next month.

Leads, solved

15+ vetted lead vendors in one place — direct mail, digital, telesales — no chasing referrals.

Real training & bootcamp

Scripts, ride-alongs, and a structured bootcamp that takes first-timers to first sale.

Build your own agency

A defined management track and overrides for agents who want to lead, not just sell.

CONTRACT WITH THE CARRIERS AGENTS ACTUALLY WANT

AmericoMutual of OmahaTransamericaCorebridgeEthosAIG
The comp, made clear

A ladder you can actually climb.

No buried grids. Your contract level rises with production — and so does everything underneath you.

Start
100%
Day-one base contract while you ramp.
Producer
120%
Hit consistent production, earn your raise.
Senior
135%
Top-tier personal comp + lead priority.
Agency
145%
Build a team, earn overrides on every leg.

¹ Figures reflect carrier contract levels (percentage of premium), not earnings. Commission income depends on your production and is never guaranteed.

No experience? Good.

We train you from zero to your first sale.

Not licensed yet? We'll walk you through it. New to sales? Bootcamp, scripts, and mentors get you dialing with confidence — then keep leveling you up.

Start the bootcamp

Inside Kumquat Bootcamp

  • Get licensed (or use the license you have)
  • Carrier & product certification, done with you
  • Proven phone scripts + live call reviews
  • Mentor ride-alongs until you close
  • Lead strategy that fits your budget
  • A clear ladder from first dial to agency owner
"

I came in with no license and no sales background. The bootcamp and the leads did the rest — I wrote my first policy in three weeks.

— New Kumquat producer
Ready when you are

See the opportunity for yourself.

Watch the overview, then apply. We'll get you contracted and into bootcamp this week.

Sent here by a Kumquat agent? Mention their name when you apply.