FE-01Whole life
Final expense
Permanent coverage that helps families pay for funeral costs and final bills.
- Benefit
- Level, lifelong
- Underwriting
- Often simplified
Mission brief · Now recruiting agents
Twelve carriers.
One team.
Valadin is an independent life insurance agency. Get contracted with twelve carriers, learn a repeatable process, and build your book with a team that answers when you call.
- Carriers
- 12
- Product lines
- 05
- Contract
- 1099independent
- Application
- ~3minutes
- Cost to apply
- $0
01 · Mission briefVAL-01
Independent, not alone.
Captive agents sell one company. Solo agents figure it out alone. Valadin agents get carrier choice and a team.
We contract agents with twelve carriers, teach a process that works at the kitchen table, and stay on the line when a case gets hard.
When one carrier declines a client, you have eleven more to quote. When underwriting gets complicated, you have people to call. And when you are new to insurance, we point you to the course and exam for your state and help you through it. Licensed agents and people starting fresh are both welcome, part time or full time.
- Organization
- Independent life insurance agency
- Carriers
- 12 contracted
- Product lines
- 5 across protection and retirement
- Agent status
- Independent contractor
- Schedule
- Set by the agent
- Compensation
- Commission by contract level
- Training
- From day one
- License to apply
- Not required
Table 1 · Agency specification. Earnings vary and are never guaranteed.
02 · Payload5 modules
What you will sell.
Five product lines covering final costs, the family home and retirement, so you can serve a client at every stage.
EP-02Whole life
Equity protection
Whole life coverage designed to help protect the equity a family has built in their home.
- Protects
- Home equity
- Horizon
- Lifetime
MP-03Term or whole
Mortgage protection
Helps a family keep their home if a breadwinner passes away.
- Covers
- Mortgage balance
- Options
- Living benefits on many plans
IUL-04Permanent life
Indexed universal life
Cash value linked to a market index, with a floor that protects credited interest when the index falls.
- Growth
- Index linked
- Floor
- Against index losses
ANN-05Fixed / indexed
Annuities
Help clients protect savings and turn them into retirement income they cannot outlive.
- Phase 1
- Accumulate
- Phase 2
- Lifetime income
Fig. 2–6 · Diagrams are illustrative, not product performance. Availability varies by state and carrier.
03 · Constellation12 carriers
Twelve carriers
to quote.
Place each client with the carrier that fits their health, budget and goals instead of forcing one company’s menu.
| ID | Carrier | Status |
|---|---|---|
| C-01 | Americo | Available |
| C-02 | Ethos | Available |
| C-03 | American Amicable | Available |
| C-04 | Instabrain | Available |
| C-05 | Transamerica | Available |
| C-06 | Chubb | Available |
| ID | Carrier | Status |
|---|---|---|
| C-07 | CICA Citizens | Available |
| C-08 | Corebridge | Available |
| C-09 | Baltimore Life | Available |
| C-10 | Royal Neighbors | Available |
| C-11 | National Life Group | Available |
| C-12 | F&G | Available |
Appointments are subject to each carrier’s approval and your licensed states. Carrier names are trademarks of their respective owners and do not imply endorsement.
04 · TrajectorySelect mission profile
From application to first policy.
Choose your starting point. The flight plan below recalculates, and your choice carries into the application.
- T+0
Launch
Apply
Tell us about you and the states you hold licenses in.
About 3 minutes
- T+2 days
Contact
Meet the team
A call on contract levels, carriers and your market.
About 30 minutes
- T+1 week
Orbit insertion
Get contracted
Get appointed with the carriers you choose.
One to three weeks
- T+3 weeks
Operations
Start writing
Write business with a mentor on your first appointments.
Ongoing
Timings are estimates. Licensing and appointment times vary by state and carrier.
05 · Support systemsSystem status
What you get.
The systems behind every Valadin agent, from your first week to your hundredth policy.
SYS-01
Carrier access
Quote twelve carriers on every case. When one declines, you still have somewhere to go.
OnlineSYS-02
Training
Products, underwriting basics, the appointment and the application, taught by agents already writing business.
OnlineSYS-03
Mentorship
Direct access to experienced agents for field questions, tough underwriting and contracting help.
OnlineSYS-04
Agent profile and directory
Keep your licensed states and contact details current in your own account, visible to the team through the agent directory.
In development06 · Flight rulesFrequently asked
Questions before you apply.
Don’t see yours? Add it to your application and we will cover it on your call.
FR-01Do I need a license to apply?
No. You can apply before you are licensed. We point you to the prelicensing course and exam for your resident state and help you through it.
FR-02Are Valadin agents employees?
No. Valadin agents are independent contractors. You set your own schedule and earn commission on the policies you write.
FR-03How does compensation work?
You earn commission on the business you write, based on your contract level with each carrier. We walk through the full structure on your call before you sign anything. Income depends on your own effort and is never guaranteed.
FR-04Which carriers will I write with?
Americo, Ethos, American Amicable, Instabrain, Transamerica, Chubb, CICA (Citizens), Corebridge, Baltimore Life, Royal Neighbors of America, National Life Group and F&G, subject to each carrier’s approval and your licensed states.
FR-05Which states can I work in?
Any state where you hold an active resident or nonresident license and the carrier has appointed you. Many agents add nonresident licenses as they grow.
FR-06Can I start part time?
Yes. Many agents start part time while they learn and build their book, then move to full time when they are ready.
FR-07What costs should I plan for?
Applying is free. Licensed agents usually cover their own license fees, exam fees and errors and omissions insurance. We go over the specifics on your call.
FR-08Captive or independent?
A captive agent sells one company’s products. An independent agent compares several carriers to find the right fit for each client. Valadin agents are independent.
07 · Launch sequenceApplication
Begin your application.
Tell us a little about yourself. Someone from the team will reach out within two business days to set up your call.
- Free to apply, no obligation
- Licensed or not, you are welcome
- About three minutes
- Your information stays with Valadin
Form VAL-APPProfile: Licensed
Transmission received
Thanks for applying to Valadin.
Someone from the team will reach out within two business days to set up your call.