Insurance and financial services done the right way

Protect your family.
Build your future.

Dialed Financial offers life insurance, annuities, and financial protection products to families across the country — paired with a world-class opportunity for agents who want to build something real.

Carriers We Work With

Americo
Aetna
American Amicable
Corebridge / AIG
Ethos
Mutual of Omaha
Transamerica
Chubb / Combined
National Life Group
Athene
Foresters
North American

Protection for every stage of life

We work with top-rated carriers to find the right coverage for your family — whether that's final expense, term life, annuities, or index universal life insurance. Simple process, clear communication, real results.

Life Insurance

Term, final expense, and whole life options tailored to your budget and your family's needs.

Annuities & Retirement

Fixed and indexed annuity products to protect and grow your retirement savings.

Accidental Death Benefit

Affordable additional coverage for accidents — an easy add-on that gives families extra peace of mind.

For clients

Protection planning presented with clarity, honesty, and zero pressure.

1

Simple process

A straightforward path from first conversation to the right coverage strategy for your family.

2

Trust-first approach

We take time to understand your needs before making any recommendations.

3

Top-rated carriers

We work with Americo, Chubb, North American, Athene, and more — products you can trust.

For agents

A serious opportunity for people who want to build real income and real impact.

A

100% commission

Work from anywhere. Earn what you produce. Keep what you build.

B

Real support & training

Structured onboarding, daily team calls, scripts, and mentorship from top producers.

C

Agency ownership path

Build and lead your own team. Earn overrides and create a business that works for you.

Why Dialed Financial

We built this company around one idea: that great agents and great families both deserve better. Better products, better training, better support — and a brand that feels as professional as the work we do.

Work from anywhere

Phone-based sales model. No commuting. No territory restrictions. Just production.

Multiple product lines

Final expense, term life, IUL, annuities, ADB — something for every client and every market.

Built to scale

Start as an agent. Recruit a team. Build an agency. The path to six figures and beyond is clear.

Ready to get started?

Whether you're looking for coverage for your family or a place to build your career, we'd love to connect. Reach out and let's talk.

Join the Team

We're actively looking for motivated, coachable people who want to build a real career in financial services. No experience required — just drive, discipline, and a willingness to learn. We'll handle the rest.

💸
Uncapped income
100% commission. Earn exactly what you produce.
📱
Work from anywhere
Phone-based model. No territory. No commute.
📈
Build your own agency
Recruit, lead, and earn overrides on your team.
🟢 Agent Portal

🔔 Current Announcements

📢
No announcements yet. Add them here when you have updates for the team.

📅 Daily Schedule (EST)

8–9 AMTraining
9 AM–1 PMDial Time 📞
1–3 PMHalftime — Back End / Food / Recruiting / Marketing / Development
3–8 PMDial Time 📞

Builders Call: 1st & 3rd Monday of every month

New Hire Zoom: FFL90 · Meeting ID: 331 545 4162

🏆 February Top Producers — Race to $100K (Win $5K Bonus!)

🏆
Leaderboard resets monthly.
Update when results are in.

⚡ Quick Tools

🎯
Run Quote
📝
Applications
💵
Comp Grid
📞
Carrier Contacts
📊
Ringy CRM
🎓
Training
🏆
Recruiting
💬
Discord

KEY LINKS

📦 Lead Types Available

Exclusive Leads
Highest quality, FFL-only
G.O.A.T. Leads
Premium tier leads
ILC Leads
Index life leads
Caboom Leads
Direct mail leads
Team Exclusive Lead
Agency-exclusive leads
Vet / IUL Leads
Aged & Drip options

Upload Leads: Ringy CRM (link in portal)

IUL Tier 2: $1,500 (44.69 leads) · Vet leads: ~70%

📊 Daily Activity Targets

Daily Dials 300
Talk-Tos 20–30
Pen/Ped 8–10
Social/Banking 4–6
Daily Closes Goal 1–2

Min 40 hours/week · You control your schedule

🔄 First 90 Day Lead Investment Phases

Phase 1 — Month 1

Aged FEX Leads
$500–$1K/weekly
400+ dials/day
Target: $10K–$12K/mo

Phase 2

Drip FEX Leads
Higher quality, higher cost
Build momentum
Transition period

Phase 3

Aged Vets → Drip Vets
Specialized vet market
Higher close rates
Scale up

Phase 4

Aged IUL Leads
Index Universal Life
Larger premiums
Cash value market

Phase 5

Drip IUL Leads
Fresh IUL prospects
Real-time interest
Full production mode

💡 Pro Tip

Your upline will guide which leads to buy and when. Check with them before scaling lead spend.

NamePhoneProductCoverageStatusLast ContactAction
No leads added yet. Use "+ Add Lead" to get started.

📈 FFL Promotional Guidelines — Contract Levels

Hit required IP for two consecutive months to qualify for a new contract level. FFL production months end on the last calendar day of each month.

Promotional Levels
IP Volume
Rate
Legs Required
$750,000 IP
145%
10 Legs at $10k each
$500,000 IP
140%
8 Legs at $10k each
$400,000 IP
135%
6 Legs at $10k each
$300,000 IP
130%
4 Legs at $10k each
$200,000 IP
125%
2 Legs at $10k each
Standard Levels
$150,000 IP120%
$125,000 IP115%
$100,000 IP110%
$75,000 IP105%
$50,000 IP100%
$40,000 IP95%
$30,000 IP90%
$20,000 IP85%
$15,000 IP80%
$10,000 IP75%
$5,000 IP70%
Starting Contract65%
📅 Qualification Window

Must hit required production for two consecutive months. Production months end on the last calendar day of each month.

🏗️ Hierarchy Counts

Your personal production + your total hierarchy's production counts toward your promotion. Maintain your level every 3 months minimally.

⚖️ 50% Leg Rule

Your biggest leg can only count for 50% of your volume. e.g. at $750K IP, max $375K from one leg — the other $375K must come from outside that leg.

💲 Carrier Comp Rates (2025)

CarrierRate
Aetna80%
Americo80%
Ethos80%
NLGEmail nlgcompensation@nationallife.com
TransAmericaGrid sent with contract + each increase
InstabrainSee portal

⏱ Carrier Payout Timeline

CarrierWhen Paid
Aetna / Instabrain2–3 days after draft
Americo / Chubb1–2 business days after draft
American Amicable2–5 business days after draft
CorebridgeFollowing Wed/Thu after draft
Ethos7–10 business days (as-earned, NO advance)
Mutual of Omaha / TransAmerica3–5 business days after draft

⚠️ First sale in a new state pays 2–3 days later. Delayed if upline doesn't have required state license.

📑 IP Reports — Issue Pay Info

IP is an FFL report tracking all agent sales by effective date. Updates weekly, usually 2 weeks behind. Used for bonuses & comp increases.

Week 1: 1st–7th
Week 2: 8th–14th
Week 3: 15th–21st
Week 4: 22nd–28th

Missing Policy Requests → ed.terrell@familyfirstlife.com

Run full YTD audit first. ~95% resolved during month-end reconciliation.

⛔ Do NOT add columns, extra tabs, or random notes in cells.

🎁 Production Bonuses

Monthly Target — Life Production
$75K
= $4,000 Bonus
Scale & Exit Your Business
$5K → $40K

Corebridge SIWL Bonus — Q1 2026

PoliciesCumulative PremBonus
3$900$800
5$1,800–$2,000$1,800–$2,000
8+Various$4,000

Americo UFirst Rewards: 10% bonus (life production + persistency + premium ratio)

🚀 First 90 Days — New Agent Guide

Core Principle

Day one starts your race to 100 presentations. The habits you build in the first 90 days will set the tone for your future.

Phone Setup (Day 1)

1
Set professional contact name + photo
2
Record professional voicemail: "Hey, you've reached [Name]. I'm not available. Please leave a voicemail and I will get back to you in a timely manner. Thank you and god bless."
3
Download Discord → start-here → Join "First 90 Day Agent" channel

Expectations for Success

Schedule: Minimum 40 hours/week — you control it
Be Coachable: Zoom camera on, unmuted, listen and ask questions
Work Hard: 300 daily calls, 20–30 talk-tos, 8–10 pen/ped, 1–2 closes
Personal Development: Podcasts, health, conferences, training videos
Rejection: Prepare to deal with rejection on the phones — it's part of the process

📚 SKILLS Training Modules

Complete over 3–4 days after your first steps

🌐

[1] Website Overview (Start Section)

Portal navigation and key tools

✓ Completed
📚

[2] Book of Business & Business Card

PENDING
🛡️

[3] Final Expense Products

PENDING
🖥️

[4] Screen Setup, Tabs & Efficiency

PENDING
📊

[6] Website, Standards & Dial Time

PENDING
💲

[7] How to Quote Clients

PENDING
💰

[8] Book of Business & Commissions

PENDING

🎤 Sales Scripts — Million Dollar C2C (Close to Close)

Intro Script (Aged Leads)

"Hey ___ (wait for response) yea ___ it's [First Name] (pause) First Name Last Name... (wait)"

If they say "I don't know you":
"(Chuckle) yea I know it's been a few months, I just had a second to get back to you, we've been real busy..."

Objections Framework

  • 1. AGREE — Acknowledge their concern
  • 2. ASK — Dig deeper into the objection
  • 3. ATTACK — Present your rebuttal clearly

"High persistency = high profitability"

Quote Presentation: Bronze/Silver/Gold

"Based on what you've told me, the system has built 3 packages. Write down BRONZE, SILVER, AND GOLD..."

  • BRONZE: Base coverage, lowest premium
  • SILVER: More coverage + legacy funds
  • GOLD: Maximum coverage + benefits

📁 Resource Library

📄
Carrier Rate Comparison — All 14 Carriers

Updated March 2026

🎥
IUL Presentation Video

Full client-facing walkthrough

🔧
Insurance Toolkits — Carrier Recommendation

Login: mley1014@gmail.com / Insurance2025

📊
Income / Expense Tracker

Google Sheets — Copy template into new spreadsheet

📋
DISC Assessment

Personality & communication style analysis

🎧
Weekly Team Call Recording — Mar 18, 2026

Leadership update + Q&A

Priority contracting order: Americo → Aetna → American Amicable → Corebridge → Ethos → Mutual of Omaha → TransAmerica → Instabrain → Foresters → NLG

🔵 Americo PRIORITY #1

Phone800-231-0801 (Ext 3 – Agents)
Banking Change855-248-8327
Approval Time1–5 days

🔵 Aetna PRIORITY #2

Phone866-272-6630
Rep — JustineSawyersJ@aetna.com
Pay2–3 days after draft

🟢 American Amicable PRIORITY #3

Phone800-736-7311
Rep — Darrendsliva@aatx.com
Rep — Michellemhilliker@aatx.com
Approval Time7 days

🟡 Corebridge (AIG) PRIORITY #4

Phone800-255-2702
Commissions877-399-7747 Ext 2

🟢 Ethos PRIORITY #5

Phone(415) 639-3968
Pay7–10 days (as-earned, NO advance)

🔵 Mutual of Omaha PRIORITY #6

Phone800-867-6873

🟡 TransAmerica PRIORITY #7

Phone877-234-4848
FEX Support1-800-453-1448

⚪ NLG / National Life Group

IUL NoteNLG Flex: $0–75yo, easy to write. Everlast: higher DB

⚪ Chubb / Combined

Phone866-324-8222 / 801-658-9911
Inforce844-452-3832
Debt Issue?Submit ticket — request $50/mo payment plan

⚪ Athene

Phone(888) 266-8489 / (615) 342-6359
Rep — Ellenerenner@athene.com
NotePays 20% higher than NLG. 18–75. Higher risk. Check with upline first (first 90 days).

🩺 Carrier Selection by Health

th>Recommended Carrier
Health Situation
Non-Serious CancersSIWL (Corebridge)
Average HealthCorebridge
Alarming / Kidney / Liver IssuesTransAmerica
Ages 86–89Aetna: 8K/10K/12K · Alt: 3K/5K/7K
Ages 81–85Aetna: 8K/10K/12K · Alt: 5K/7K/10K
Ages 70–80Aetna, Corebridge, Americo: 10K/15K/20K
Ages 60–69Americo: up to 50K ask · 10K/15K/20K
Cash Value (IUL) >$300NLG Flex OR Americo Rapid/Max Cash
Death Benefit Focus (IUL)NLG Everlast / Non-SI · Athene (higher DB)

After running Insurance Toolkits: Priority → Americo (lowest rate, fastest payout, instant decision) → Corebridge SIWL → TransAmerica Express

🚀 Onboarding Steps — New Agent Path

1

Foundations Intake Form

Complete the intake form to get started in the system

2

Licensing

We guide you through getting your state life insurance license via NIPR

3

Contracting

SureLC / Surancebay / NLC — set up carrier contracts in priority order

4

Onboarding / Training

Foundations modules: Business Overview, Expectations, Culture, Systems

5

SKILLS Training (3–4 days)

Modules 1–8 covering portal, products, quoting, and commissions

6

First Dial & First Close

Often within the first week for prepared agents

Recruit Your Own Team

Add all writing numbers to HCMS. Downlines can't contract under you without updated upline info.

❓ Recruiting FAQ

Is this W-2 or 1099?
1099 independent contractor. Build your own book of business and earn long-term residual income.
Do I need insurance experience?
No. We provide complete licensing support, product training, and sales coaching from day one.
Can I work remotely?
Yes. Agents work remotely from anywhere. Some choose hybrid or in-office, but it's your choice.
How am I paid?
Commission paid directly from carriers. Most carriers pay within 1-5 business days of policy draft date. See the Commission tab for full payout timelines.
Are leads provided?
Leads are available for purchase through our portal (Exclusive, G.O.A.T., RFL, ILC, Aged/Drip FEX, Vet, IUL). Your upline will guide when and what to buy.
What are chargebacks?
If a policy cancels, you owe the advance back to the carrier. High persistency = high profitability. This is why we focus on quality clients.
What does success look like in 90 days?
300 daily dials, 20-30 talk-tos, 1-2 closes/day, race to 100 presentations. Strong agents hit $10K-$12K in month one.
Is there a path beyond just selling?
Yes. Build a team, earn overrides on their production, and eventually create passive income from a growing agency. Agency ownership and VP roles available.
How long does licensing take?
Varies by state. We guide you through the process via NIPR. Most agents are licensed within 2-4 weeks.

⭐ Core Values

💡
BELIEF
In myself and in others
🎯
ACCOUNTABILITY
To self-improvement
🔥
DRSCIPLINE
To make it happen
🤝
SERVE
So I can serve better

🏦 Banking Info Updates by Carrier

CarrierHow to Update
AetnaSubmit form via Secure Agent/Aflac/AMH Portal (Agent Management Tool)
AmericoUpdate in your NLC portal
EthosEmail agents@getethos.com — updated link sent within 2-3 business days
Mutual of OmahaEmail info@dialedfinancial.com OR update in MOO portal
InstabrainForm must be mailed or faxed (FaxZero.com is free)
CorebridgeRequires wet NLG signature
Foresters / AmAm / AtheneForms available in portal

Comp & Hierarchy Changes

Email: info@dialedfinancial.com

⚠️ Comp increases and upline changes can only be done once every 30 days

📋 Contracting Systems

SureLC
ffl.sureclc.com · FFL Limitless — Nation's #1 Choice for Licensing & Contracting
NLC — National Life Contracting
For NLG contracting and comp requests
HCMS / Gateway
Agent management portal · Add all writing numbers here for overrides
Surancebay
Secondary contracting system

Carrier Approval Times

CarrierApproval Time
Americo1-5 days
American Amicable7 days

When approved, you'll receive an email to create a login. Use the same credentials for all carriers.

📍 Non-Resident Licensing (NIPR Steps)

1
Select Non-Resident
2
Select Go to the Online Application
3
Select Individual
4
Select Social Security Number (SSN)
5
Enter Last Name + SSN
6
Select Producer Licensing
7
Under Insurance Producer: Select Life

Sample State Licensing Fees

StateFee
Florida$60.60
Georgia$125.60
Texas$125.60
New York$85.60
California$193.60
Virginia$20.60
Ohio$15.60
Michigan$15.60
Nevada$190.60
Massachusetts$230.60

📞 Staff Contacts

Megan Ley
Recruiting, Licensing, Contracting
info@dialedfinancial.com · 703-470-4758
Conner White
New Hire Training (Mon–Thu 1:30 PM EST)
Zoom: FFL90 · Meeting ID: 331 545 4162
Ed Terrell — FFL
Missing Policy / IP Reports
Tim Fletcher
Recruiting Head Dialer
Mike / Admin
Admin & General