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Part & Full-time Career with Experior
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Best Compensation Model in the Industry
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Affordable Licensing Course
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No Experience Necessary
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Opportunities for Advancement
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Become an Expert in the Industry
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Fastest Growing MGA in North America
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Access to Our Executives
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Ongoing Training and Support
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Over 26 Insurance/Investment Company Partners
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Own Your Book of Business from Day 1
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World-Class Sales Support & Technology
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Proprietary “Expert Financial Analysis Software” for Online Tools
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Hands-On Experience with Top Leaders at Experior Financial Group Inc.
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Promotions Based on Personal and Team Production
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Overrides on All Product Lines for Agency Builders
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Corporate Ownership/Equity Opportunities
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Develop a Business that Can Be Passed on for Future Generations
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Leadership Conferences, Gala, and Awards
What is CEO Life, and what makes it unique?
It’s unique because it combines training and support, access to multiple carriers, and team-building opportunities, all while eliminating the downsides of traditional models.
What is the "tribrid" model, and how does it differ from traditional insurance models?
The tribrid model merges the strengths of career agencies (great training), MGAs (high compensation and carrier access), and network marketing (team-building and passive income) into one. Unlike traditional models with their limitations, CEO Life removes negatives like poor support for newbies or low earnings potential.
What are the three models that CEO Life combines in its tribrid approach?
It combines the career or captive agency model, the managing general agency (MGA) model, and the multi-level marketing or network marketing model.
Where is CEO Life’s corporate head office located?
CEO Life is located in Florida
What are the benefits of the career/captive agency model that CEO Life incorporates?
It offers great training, support, and guidance, especially for people new to the industry who need a strong start.
How does the MGA (Managing General Agency) component benefit experienced agents at CEO Life?
Experienced agents get access to multiple carriers and high compensation, which is ideal for those who already know the ropes.
What advantages does the network marketing aspect bring to CEO Life agents?
It lets agents recruit a team, earn passive income through overrides, and expand into multiple territories—building an army of agents without the typical downsides.
What are some of the negatives of traditional models that CEO Life avoids?
In network marketing, most people don’t make money and the image is poor. In MGAs, there’s little support for new agents. In career agencies, ownership and expansion are limited. CEO Life cuts out these flaws.
What does "BTO" stand for in CEO Life’s career seminar, and why is it important?
BTO stands for Brand, Timing, and Ownership. It’s key because it highlights why agents join: a reputable brand to be proud of, perfect timing in today’s market, and real ownership of their business.
How does CEO Life build a reputable brand compared to other MGAs?
Unlike most MGAs that let agents brand themselves, CEO Life builds a national brand that stands for integrity and care, recognized by both agents and customers—not just industry insiders.
Why does Jamie believe the timing is perfect for joining CEO Life now?
Post-pandemic financial struggles, high inflation, and stagnant incomes create a “perfect storm” for people needing extra income or a career change. Plus, CEO Life’s young age (10 years as of 2023) offers early growth opportunities.
What kind of ownership do agents get when they join CEO Life?
Agents own their book of business from day one. At higher levels like Executive Director, they also own their agency, with guaranteed buyouts if they pass away or retire.
How does CEO Life ensure agents feel proud of the brand they represent?
By building a company with integrity that cares about customers and agents alike, not just profits, so agents can confidently say they work with CEO Life.
What does CEO Life mean by offering ownership of an agency to its agents?
It means agents can build a business that’s legally theirs, passable to beneficiaries at 75% value for 10 years (or indefinitely at higher levels), plus equity shares in the company.
How does compensation work for new agents at CEO Life?
Newbies start with a 50% FYC (first-year commission) on average, plus a 40% bonus, earning 70% of the premium—like $700 on a $1,000 policy. Mentors help without splitting the sale.
What is FYC (First Year Commission), and how is it calculated?
FYC is a percentage of the annual premium paid by carriers for a sale—45-55% for term life, 50-60% for whole life, 60-65% for universal life. For example, 50% of $1,000 is $500.
What are the bonus structures for agents at different levels at CEO Life?
New agents get 40%, Senior Financial Associates get 70%, and Senior Managers hit 100% or more—up to 160% at the top, plus carrier bonuses of 15-40%.
How can an agent earn up to 200% of the annual premium without recruiting at CEO Life?
At a 160% bonus on a 50% FYC ($800 + $500 = $1,300 on $1,000), plus a 40% carrier bonus, you could hit 200% as a solo producer.
What is the Executive Director contract at CEO Life, and how does it differ from other levels?
It’s 140-160% on personal sales, plus 28% overrides on your team’s sales, agency ownership with a 75% buyout, and equity shares—unlike lower levels, it’s about building and owning a legacy.
What is the cost to join CEO Life, and what does it include?
It’s a one-time $150 fee (reimbursed when licensed) and $39/month for a back-office system with CRM, email tools, training, and more—stuff that’d cost hundreds elsewhere.
How does CEO Life reimburse licensing and course fees?
The $150 fee is refunded once licensed. The HLLQP course cost is reimbursed after becoming a Senior Financial Associate (1-3 months), and the government may also chip in.
What is the HLLQP course, and why is it required?
It’s the Life and Health, Accident and Sickness Insurance license course. You need it to sell insurance legally in Canada.
What tax benefits come with being a T4A self-employed agent at CEO Life?
You can deduct home office expenses, cell phones, computers, and more—basically, business-related costs that lower your taxable income.
What tools and resources are included in the $39 monthly fee at CEO Life?
You get a CRM, email campaign builders, G Suite account, training videos, quoting software, team transparency tools, and more—all for $39.
Why does CEO Life emphasize compliance so heavily?
The industry’s cracking down with audits, and CEO Life wants to protect agents and clients by staying ahead of regulations and avoiding penalties.
What happened during CEO Life’s 2022 audit, and how did it compare to other MGAs?
CEO Life passed a 6-month review with no sanctions or fines, unlike two larger MGAs audited at the same time that didn’t fare as well.
How does CEO Life ensure agents act with integrity toward clients?
Agents must complete advisor disclosures, reason-why letters, and needs analyses before getting paid—mandatory steps to prioritize client needs.
What systems does CEO Life have in place to prevent unethical practices?
Compensation is tied to proper documentation and client-focused processes, not just sales, which stops agents from churning or cutting corners.
How can someone verify CEO Life’s clean disciplinary record?
Check the CCIR website’s disciplinary actions section, type in “CEO Life,” and see zero issues—no fines, no claims, no complaints as of December 2023.
What is mortgage protection insurance?
It’s a type of life insurance that pays off your mortgage if you pass away, ensuring your family can stay in their home without the burden of payments.
Who needs mortgage protection insurance?
Anyone with a mortgage, especially primary breadwinners, who wants to protect their family from losing the house if something happens to them.
How does CEO Life offer mortgage protection?
CEO Life provides policies with death benefits tailored to cover your mortgage balance, often as term or permanent insurance, depending on your needs.
Is mortgage protection the same as PMI?
No, PMI (Private Mortgage Insurance) protects the lender if you default. Mortgage protection protects your family by paying off the loan if you die.
What’s the cost of mortgage protection through CEO Life?
It varies by age, health, and mortgage size, but CEO Life aims to keep it affordable with flexible options—think $20-$50 a month for many.
Can I adjust my coverage as I pay down my mortgage?
Yes, CEO Life’s flexible plans let you tweak your coverage over time to match your shrinking mortgage balance.
Does it cover both spouses?
It can! CEO Life offers joint policies or separate ones to ensure the mortgage is covered no matter who passes first.
What happens if I sell my house?
You can cancel the policy or adjust it with CEO Life to fit new needs, like covering a different mortgage or other debts.
Are there tax benefits to mortgage protection?
The death benefit is usually tax-free for your beneficiaries, but premiums aren’t tax-deductible—chat with an accountant for your situation.
How do I get started with CEO Life for this?
Reach out to a CEO Life agent, share your mortgage details, and they’ll craft a policy that fits your budget and coverage goals.
What is final expense insurance?
It’s a small, permanent life insurance policy designed to cover end-of-life costs like funerals, burials, or medical bills—typically $5,000 to $25,000.
Why choose CEO Life for final expense coverage?
CEO Life offers affordable plans with no medical exams for many, making it easy to secure peace of mind for your loved ones.
Who should get final expense insurance?
Seniors or anyone wanting to spare their family from hefty funeral costs—averaging $7,000-$12,000—should consider it.
How much does it cost with CEO Life?
Premiums start low—say $30-$50 a month—depending on your age and coverage amount, with CEO Life keeping it simple and accessible.
Does it build cash value?
Yes, CEO Life’s final expense policies accumulate cash value over time, which you could borrow against if needed.
Can I get it if I have health issues?
Absolutely—CEO Life often skips medical underwriting for these plans, so pre-existing conditions usually won’t stop you.
How long does coverage last?
It’s permanent, so as long as you pay premiums, CEO Life ensures it lasts your whole life—no expiration date.
What can the payout be used for?
Anything your family needs—funeral costs, debts, or even a small legacy—CEO Life leaves it flexible for your beneficiaries.
Is the payout taxable?
Nope, the death benefit from CEO Life’s final expense policy is typically tax-free for your loved ones.
How do I apply with CEO Life?
Contact a CEO Life agent, pick your coverage amount, and sign up—it’s quick, often with no health questions asked.
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FINAL EXPENSE
What is final expense insurance?
It’s a small, permanent life insurance policy designed to cover end-of-life costs like funerals, burials, or medical bills—typically $5,000 to $25,000.
Why choose CEO Life for final expense coverage?
CEO Life offers affordable plans with no medical exams for many, making it easy to secure peace of mind for your loved ones.
Who should get final expense insurance?
Seniors or anyone wanting to spare their family from hefty funeral costs—averaging $7,000-$12,000—should consider it.
How much does it cost with CEO Life?
Premiums start low—say $30-$50 a month—depending on your age and coverage amount, with CEO Life keeping it simple and accessible.
Does it build cash value?
Yes, CEO Life’s final expense policies accumulate cash value over time, which you could borrow against if needed.
Can I get it if I have health issues?
Absolutely—CEO Life often skips medical underwriting for these plans, so pre-existing conditions usually won’t stop you.
How long does coverage last?
It’s permanent, so as long as you pay premiums, CEO Life ensures it lasts your whole life—no expiration date.
What can the payout be used for?
Anything your family needs—funeral costs, debts, or even a small legacy—CEO Life leaves it flexible for your beneficiaries.
Is the payout taxable?
Nope, the death benefit from CEO Life’s final expense policy is typically tax-free for your loved ones.
How do I apply with CEO Life?
Contact a CEO Life agent, pick your coverage amount, and sign up—it’s quick, often with no health questions asked.
Infinite Banking
What is infinite banking with CEO Life?
It’s a strategy where you use a CEO Life permanent life insurance policy as your own “bank,” borrowing against its cash value for investments or expenses.
How does CEO Life make infinite banking work?
They structure policies—like whole life or IUL—with high early cash value, so you can borrow against it while it keeps growing.
Who’s it best for?
Entrepreneurs, investors, or anyone wanting tax-free growth and flexible access to funds without traditional bank loans.
What’s the benefit of infinite banking through CEO Life?
You control your money, earn tax-free growth, and can fund things like real estate or retirement without losing compounding power.
Does it require a big upfront investment?
Not necessarily—CEO Life lets you start with what you can afford, though bigger premiums boost cash value faster.
Can I repay loans on my terms?
Yes, CEO Life gives you flexibility—no strict repayment schedule, though unpaid loans reduce your death benefit.
What’s the risk with CEO Life’s infinite banking?
If you over-borrow or skip premiums, the policy could lapse—CEO Life mentors help you manage it right.
How long until I can borrow?
With CEO Life’s optimized plans, cash value builds fast—often within a year or two, depending on your funding.
Is it taxable?
Loans and growth are tax-free with CEO Life, but a lapsed policy could trigger taxes on gains—keep it active!
How do I start with CEO Life?
Talk to a CEO Life agent about your goals, and they’ll design a policy to maximize cash value for your banking strategy.
Indexed Universal Life (IUL)
What is IUL insurance with CEO Life?
It’s a permanent policy where cash value grows based on a stock index (like the S&P 500), offering upside potential with downside protection.
How does CEO Life’s IUL differ from whole life?
Unlike whole life’s fixed growth, CEO Life’s IUL ties cash value to market indexes, aiming for higher returns without market risk.
Who’s a good fit for CEO Life’s IUL?
People aged 30-60 who want lifelong coverage plus a chance to build wealth for retirement or other goals.
What’s the growth potential with CEO Life?
It varies—think 5-10% in good years—but CEO Life caps gains and floors losses at 0%, balancing risk and reward.
Can I access the cash value?
Yep, CEO Life lets you borrow or withdraw tax-free up to your premiums paid, perfect for emergencies or investments.
What are the fees like?
CEO Life’s IUL has higher fees than term—think admin and insurance costs—but they’re built into the policy’s structure.
Is there a downside with CEO Life’s IUL?
If the index tanks, growth stalls, but CEO Life ensures you won’t lose principal—just don’t expect huge gains every year.
How flexible are premiums?
Very—CEO Life lets you adjust payments based on your finances, as long as the policy stays funded.
What happens when I die?
Your beneficiaries get a tax-free death benefit from CEO Life, minus any loans you didn’t repay.
How do I sign up with CEO Life?
Connect with a CEO Life agent, review index options, and pick a plan that matches your risk tolerance and goals.
Annuity
What’s an annuity with CEO Life?
It’s a contract where you pay CEO Life now, and they pay you a steady income later—great for retirement security.
How does CEO Life structure annuities?
They offer fixed, variable, or indexed options, tailoring payouts to your risk level and income needs.
Who should consider a CEO Life annuity?
Retirees or pre-retirees wanting guaranteed income to supplement Social Security or pensions.
What’s the payout like?
Depends on the type—CEO Life can set fixed payments or ones tied to market performance, starting when you choose.
Are there tax benefits?
Growth is tax-deferred with CEO Life, but payouts are taxed as income—only what you earn, not your principal.
Can I get money out early?
Yes, but CEO Life may charge surrender fees if you withdraw before the term’s up—plan carefully!
What’s the risk with CEO Life annuities?
Fixed ones are safe; variable or indexed ones fluctuate with markets—CEO Life balances growth and protection.
How long do payments last?
CEO Life offers lifetime options or set periods—your choice based on how long you want income.
Can my heirs get anything?
If you pick a death benefit rider with CEO Life, yes—otherwise, payments typically stop when you pass.
How do I buy one from CEO Life?
Meet with a CEO Life agent, decide your investment amount, and pick an annuity type that fits your retirement vision.
Business Funding
How does CEO Life help with business funding?
They offer permanent policies where you borrow against cash value to fund business needs—startup costs, expansions, whatever.
What policies work best for this?
CEO Life’s IUL or whole life plans build cash fast, giving you a pool to tap without bank loans.
Who’s it for?
Business owners or entrepreneurs needing flexible, tax-advantaged capital without credit checks or high interest.
How much can I borrow from CEO Life?
Depends on your policy’s cash value—CEO Life lets you access up to 90% of it, tax-free.
What’s the repayment like?
Super flexible—CEO Life doesn’t demand a schedule; just keep the policy active, or it cuts your death benefit.
Are there tax benefits?
Yep, loans are tax-free, and CEO Life’s structure can offer deductions if you use it as a business expense—ask your accountant.
Can it fund employee benefits?
Sure—CEO Life policies can cover key person insurance or group plans, doubling as funding tools.
What’s the risk with CEO Life?
Over-borrowing could lapse the policy—CEO Life mentors guide you to avoid that pitfall.
How long until I can use it?
Cash value builds in 1-3 years with CEO Life, faster if you max-fund—then it’s yours to leverage.
How do I get it going with CEO Life?
Chat with a CEO Life agent, outline your business goals, and they’ll craft a policy to fuel your growth.
Term Life Insurance
What’s term life insurance with CEO Life?
It’s affordable coverage for a set period—like 10, 20, or 30 years—paying a death benefit if you pass during that time.
Why pick CEO Life for term insurance?
CEO Life offers competitive rates and the option to convert to permanent coverage later, keeping your options open.
Who’s it best for?
Young families, new homeowners, or anyone needing big coverage on a budget for a specific time—like until the kids are grown.
How much does it cost with CEO Life?
Super cheap—maybe $15-$30 a month for $500,000, depending on age and health.
Does it build cash value?
No, CEO Life’s term is pure insurance—no savings component, just a big payout if you die.
Can I renew it with CEO Life?
Yes, but premiums jump after the term—CEO Life lets you convert to permanent instead, locking in rates.
What’s the coverage amount?
CEO Life tailors it—$100,000 to $1 million or more—based on your income, debts, or family needs.
Is a medical exam required?
Usually, but CEO Life has simplified options for smaller amounts if you’re healthy.
What happens if I outlive the term?
Coverage ends unless you renew or convert with CEO Life—no payout, but you’re still alive, so win!
How do I sign up with CEO Life?
Contact a CEO Life agent, pick your term and amount, and get a quote—fast and straightforward.
Trusts
Here are 10 frequently asked questions (FAQs) about trusts, along with their answers:
A trust is a legal arrangement where one person (the trustee) holds and manages assets for the benefit of another (the beneficiary). It’s a way to control how your property or money is used, either during your life or after.
A revocable trust can be changed or canceled by the creator during their lifetime, offering flexibility. An irrevocable trust, once established, generally can’t be altered without beneficiary approval, locking in the terms for tax or asset protection benefits.
People use trusts to manage assets, avoid probate, reduce taxes, protect wealth from creditors, or ensure funds are distributed according to specific wishes—like supporting a child over time instead of all at once.
A trustee can be anyone you trust to manage the assets—yourself, a family member, a friend, or a professional like a lawyer or bank. They’re legally obligated to act in the beneficiaries’ best interests.
It’s a trust created in your will that only activates after you pass away. It’s often used to control how and when heirs receive assets, like setting conditions or timelines.
Yes, many trusts (like revocable or irrevocable ones) bypass probate, the court process for settling estates. This can save time and keep things private, since probate is public.
It depends. Revocable trusts can be modified anytime while you’re alive and competent. Irrevocable trusts are mostly set in stone unless beneficiaries or a court agree to changes.
No, trusts can benefit anyone. While they’re often associated with big estates, smaller trusts can help with things like managing property for minors or avoiding probate on a modest inheritance.
Revocable trusts are typically taxed as part of the creator’s income since they retain control. Irrevocable trusts often file their own tax returns, and the tax burden may shift depending on how income is distributed to beneficiaries.
Costs vary widely—simple trusts might run a few hundred dollars with a lawyer or online service, while complex ones for large estates could cost thousands. It depends on the trust’s purpose and the legal help you need.
Here are 10 frequently asked questions (FAQs) specifically about
family trusts
, along with their answers:
A family trust is a legal arrangement where a trustee holds and manages assets for the benefit of family members, like a spouse, children, or grandchildren. It’s often used to protect and distribute family wealth.
You might use it to avoid probate, protect assets from creditors or lawsuits, reduce taxes, or control how and when your family inherits—like ensuring kids don’t blow it all at once.
Typically, family members—spouses, kids, grandkids, or even yourself in some cases (like a revocable trust). You can define “family” broadly or narrowly depending on your goals.
Yes, if it’s a revocable family trust, you can manage it yourself. For irrevocable ones, you’d usually need someone else—like a spouse, adult child, or professional—to avoid tax or legal issues.
Pretty much anything: cash, the family home, investments, a business, or even personal items like jewelry. It depends on what you want to pass on or protect.
Yes, most family trusts (revocable or irrevocable) bypass probate, meaning assets transfer to heirs faster and privately, without court involvement.
If it’s revocable, yes—you can tweak or cancel it anytime while alive. If it’s irrevocable, changes are tough, usually requiring beneficiary consent or a court order.
An irrevocable family trust can remove assets from your taxable estate, potentially lowering estate taxes. Revocable trusts don’t offer this perk since you still “own” the assets for tax purposes.
No, it’s useful for any family wanting to manage assets. Even modest estates can benefit—like protecting a house for kids or avoiding probate on a few hundred thousand dollars.
It varies—simple revocable trusts might cost $500-$2,000 with a lawyer or online service. Complex irrevocable ones for tax planning or big estates could run $5,000 or more, depending on legal help.