The Library
The career, explained honestly.
What this is: the guides we wish every new agent read before signing anywhere —
including with us. No hype, no income promises, industry-reported numbers, and the questions recruiters
hope you won't ask.
Choosing an AgencyBest Life Insurance Companies to Sell For (2026): How to Actually ChooseThere's no single best life insurance company to sell for — only a best fit.Getting LicensedHow to Become a Life Insurance Agent in 2026 (Step-by-Step)The full path from zero to licensed and selling: pre-licensing course, state exam, background check, carrier appointments — typically 2–8 weeks.Getting Licensed · FloridaHow to Become a Life Insurance Agent in Florida (2-15 License Guide)Florida's 2-15 Life & Health license, step by step: the 60-hour course, the state exam, fingerprints, the DFS application, and ~$300 all-in costs.Getting Licensed · FloridaHow to Pass the Florida 2-15 License Exam on Your First TryA study plan for the Florida 2-15 Life & Health exam: what's on it, the 70% pass mark, a two-week sprint method, and test-day tactics.The MoneyLife Insurance Agent Commissions: How They Actually WorkFYC, contract levels, advances vs as-earned, renewals, and overrides — how life insurance agents actually get paid, with worked examples.The MoneyLife Insurance Chargebacks Explained (and How Agents Avoid Them)What a commission chargeback is, why it happens, the typical 9–12 month windows — and six field-tested habits that keep business on the books.The PipelineShould You Buy Insurance Leads? The Math Nobody Shows New AgentsFresh vs aged vs exclusive vs live-transfer leads, 2026 price ranges, cost-per-sale math, the lead-debt trap — and who profits when you buy.The TruthWhy 9 in 10 New Life Insurance Agents Fail (and the System That Prevents It)Most new life insurance agents don't survive their early years.Choosing an AgencyCaptive vs Independent Insurance Agent: Which Should You Be?The real trade-offs between captive and independent life insurance careers: commission, product shelf, book ownership — and the third option.The Industry, DecodedWhat Is an IMO in Insurance? (IMO vs FMO vs Agency, Explained)IMO, FMO, GA, agency — the alphabet soup decoded: what an Independent Marketing Organization does, how it's paid, and how to spot a contract warehouse.The DecisionIs Selling Life Insurance Worth It in 2026? An Honest AnswerThe honest case for and against a life insurance career in 2026: market tailwinds, real income mechanics, brutal attrition — and how to decide in a week.The RampYour First 90 Days as a Life Insurance Agent: A Week-by-Week PlanA concrete 90-day ramp for new agents: licensing and contracting weeks 1–2, mentored field work weeks 3–6, owning the process by week 12.
Build it with a mentor beside you.
Maxivita trains life-insurance agents the way this guide describes: mentors in your first appointments, the money math taught up front, no lead fees — ever — and a defined path from first policy to agency owner. Two minutes to apply; fits get a call within 24 hours.
Apply to Maxivita