01 — ASKED AND ANSWERED
Is this MLM?
Here is the straight answer. You are paid commission by insurance companies on real policies sold to real people. You do not buy inventory, you do not sell to your own downline, and there is no product you have to purchase to participate. That is the part that is not multi-level marketing, and it is the important part.
And: agents recruit other agents, and an agent who recruits you can earn on business you write. That is a hierarchy, it is a real feature of how this industry works, and pretending otherwise would be the exact dishonesty I am trying not to do. Judge it knowing both halves.
The test I would apply if I were you: is the money coming from customers buying something they need, or from recruits? Ask that of anyone recruiting you, including me.
Do I have to quit my job?
No, and I would not advise it. You will not earn anything until you are licensed and have started having real conversations, and how long that takes depends almost entirely on you. Quitting first turns a slow start into a crisis.
What does it cost me to start?
The exam, the fingerprinting, and the $50 application fee. The amounts are all on the licensing page. After that, whatever you decide to spend on finding people to talk to.
What it should not cost you is a fee to me, for anything, ever.
Do I have to buy leads?
Ask this one hard, of everyone, before you sign anything. The answer varies by organisation and it changes the economics of the job completely.
Do I need to be in Texas?
No. My licence is Texas-only, so I can only sell insurance to people in Texas, but that limit has nothing to do with who I can bring in. You get licensed in your own state.
What if I try it and hate it?
Then you stop, and you keep your licence, which is yours and not mine. That is a genuinely better outcome than most things people try. The licence does not evaporate because you stopped using it.
Why are you recruiting at all?
Because I benefit when people I bring in write business. Said plainly on the previous page too. If that changes how you read everything else here, it should.
Four answers on this page are deliberately short because they depend on Family First Life's actual terms: what contracting looks like, whether there is a lead programme and what it costs, what training is provided, and what the arrangement is between Miles and someone he brings in. Those get written once we have FFL's advertising and recruiting policy in writing.
Ask me the awkward one
Whether you want to do this job or you are working out what cover you need, the first message is the same: tell me what is actually going on and I will tell you what I would do — including when the answer is that you should keep your money.