We're recruiting future agents in NJ and NY to sell Indexed Universal Life insurance, mortgage protection, and tax-efficient retirement strategies through Premier Financial Alliance and National Life Group — with a real path to your own agency.
Industry average — that's how many new agents are still active after one year. We tell you this upfront, on purpose.
PFA affiliation fee, plus approximately $200–$400 for the licensing course. You pay this before you earn anything.
From day one to your first commission check. You need savings or another income source to get through this period comfortably.
Adults in your warm circle you need to be willing to call about your new business. If that sounds terrible — this isn't for you.
We say all of this deliberately. Agents who quit in the first months almost always leave because nobody told them the truth at the start. We won't do that to you.
Indexed Universal Life with living benefits. Mortgage protection. Tax optimization for high earners. Group coverage for trucking companies. Real solutions, not marketing hooks.
PFA for team-building and commission structure. NLG and other top carriers for product flexibility. You're not locked into one company.
Working scripts, a recruiting system, branded landing pages and a personal mentor — a licensed REALTOR® who has already built the NJ / NY market system.
Polish, Russian, Ukrainian, Spanish communities across NJ / NY — tens of thousands of families with real financial needs that mainstream agents simply can't reach.
You sell personally and build a team. You earn a percentage of what your recruits produce. Done right, it becomes a residual income asset.
Most agents start at 10–15 hours a week alongside their main job. We prefer building durably over burning out chasing quotas.
Check the boxes that honestly apply to you. Your score appears below. Nothing is submitted — this is just for you.
Already 1099, understand long sales cycles. Your sphere needs both real estate and financial protection.
You already explain mortgage math. IUL is a one-step conversation from where you already stand.
You explain complex things simply, you're trusted in your community, and your colleagues have real retirement problems.
People trust you. You understand families. Your colleagues have real 401(k) and pension tax problems.
Huge underserved niche. You know drivers and have direct access to an overlooked market.
Polish, Ukrainian, Russian, Spanish — you have access to communities that mainstream agents cannot reach.
We discuss your situation, warm circle, and financial runway. I'll give you an honest read on whether I think you'll succeed. This isn't a pitch — it's a mutual fit check.
You see exactly how the business works, the commission plan, and the products. If you decide "yes" — you register with PFA and start the licensing course.
Most candidates finish in 4–8 weeks studying part-time. We provide a schedule, practice tests, and weekly check-ins so you don't fall off.
You shadow real client meetings in English, Polish, or Russian. You start with your own warm circle, scripts in hand. We close the first sale together.
You start selling independently. By the end of month three, most active agents bring in their first team candidate — and that's when override income begins.
I personally conduct every interview before accepting someone to the team. No pressure, no pitch. Just an honest fit check — and a clear yes or no.
Astel United LLC · Millburn, NJ · Licensed REALTOR® and Life Insurance Producer in NJ, affiliated with PFA and NLG. This is a career opportunity, not an income guarantee. License required.