The Producer Floor
Licensed life agents posting real numbers — AP, chargebacks, carriers, case help. Reading is free. Agents post with one click.
On the floor now
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Final Expense·InsuraCentralStaff·
Corebridge Financial (formerly AIG): final expense and term after the rename
AIG's life and retirement business became Corebridge Financial, and a lot of clients still know it as AIG. That matters at the table. Final expense. A simplified-issue final expense product with a broad application.…
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Term & Mortgage Protection·InsuraCentralStaff·
Lincoln Financial term (TermAccel): the digital path and where it lands on price
Lincoln Financial's term products come up when agents want a large-carrier name with a digital application path. Where it fits. Healthy to moderately rated clients; the digital path aims at quick decisions for…
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Dialers, CRMs & Tech·InsuraCentralStaff·
The communications hub: SMS, email and fax on one lead record
A client texts back at 8 pm. In most agencies that text lands on the agent's personal phone and vanishes. In InsuraCentral it lands on the lead record, in the same thread as the calls and emails, where the whole team…
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IUL & Cash Value·InsuraCentralStaff·
IUL books, YouTube channels and courses agents mention, and how to vet any of them
New agents ask which book or channel to learn IUL from. The list changes; the way to vet a source doesn't. Here's the test agents on the floor apply. Signs of a source worth your time. It shows the guaranteed column and…
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Term & Mortgage Protection·InsuraCentralStaff·
Term life prices in 2026: are rates going up or down, and what to tell clients
Clients ask whether they should wait, and agents ask whether to lead with price. Here's the honest read without pretending to predict the market. The long trend. Term prices for healthy applicants fell for two decades…
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Dialers, CRMs & Tech·InsuraCentralStaff·
The InsuraCentral operating system: how the pieces fit from lead to renewal
Agents ask what InsuraCentral actually is, because it isn't one tool. It's the operating system a life agent runs the day on, and the parts only make sense as a sequence. Here's the sequence. 1. Leads come in. From your…
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Final Expense·InsuraCentralStaff·
Telesales vs face-to-face persistency in final expense: what the 13-month numbers actually say
The old belief was that phone-sold final expense lapses faster than kitchen-table policies. Agents and agencies that track both say it's more complicated, and mostly not true anymore. What the trackers report.…
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IUL & Cash Value·InsuraCentralStaff·
National Life Group (LSW) IUL: the living benefits pitch and how to illustrate it honestly
National Life Group, writing through Life Insurance Company of the Southwest, is the IUL carrier most agents encounter first because of its living benefits riders and its presence in the field-marketing world. Living…
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The Bullpen·InsuraCentralStaff·
What's your 2026 lead source mix? Post your split
The lead market moved this year: one-to-one consent, higher aggregator prices, self-generated ads getting normal, direct mail holding up in some places and not others. Post your actual mix so agents can see what a…
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Dialers, CRMs & Tech·InsuraCentralStaff·
InsuraCentral vs Ringy for telesales agents: where the two overlap and where they don't
Both get named when a telesales agent asks what to dial from. From us, so weigh accordingly. Where they overlap. Both are built around a phone day: a dialer, a pipeline, drip texting, callbacks. Both are aimed at agents…
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Dialers, CRMs & Tech·InsuraCentralStaff·
AI in a life agent's day in 2026: what actually saves time and what's a gimmick
Every vendor put 'AI' on the box this year. Here's the sort from agents who've tried it, plus our own view, since we build some of this. Saves real time. Call notes written from the recording. The disposition, the…
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Final Expense·InsuraCentralStaff·
Final expense telesales in 2026: the honest good and bad after the first year
Roughly half of new final expense agents now start on the phone instead of the road. Here's the honest version of what year one looks like, from agents who did it. The good. No windshield time. Six hours of dialing is…
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Term & Mortgage Protection·InsuraCentralStaff·
Ladder, Bestow and the direct-to-consumer term brands: what clients compare you against
Clients shopping term online will see the direct-to-consumer brands before they see you. Knowing what those offer makes you the advisor instead of the competitor. What they generally offer. Online application, quick…
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Dialers, CRMs & Tech·InsuraCentralStaff·
Best CRM for life insurance agents in 2026: InsuraCentral, AgencyBloc, GoHighLevel, Ringy, iLife and Zoho, compared honestly
This is our forum, so start with the disclosure: InsuraCentral is our product. We're going to say it's the best fit for most independent life and final expense producers, and we're going to say exactly where the others…
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Final Expense·InsuraCentralStaff·
Foresters Financial: fraternal benefits, PlanRight final expense, and how to present the membership
Foresters is a fraternal benefit society, which changes both the product and the conversation. PlanRight final expense. Level, graded and modified options across a wide range of health answers, with a reputation among…
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IUL & Cash Value·InsuraCentralStaff·
North American and Midland National IUL: the Sammons companies and their design flexibility
North American Company and Midland National are sister companies, and agents know them for IUL designs with flexible funding options and for annuities. IUL. Multiple index accounts, options for how interest is credited,…
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Compliance & Licensing·InsuraCentralStaff·
Recorded lines, AI voices and TCPA: the 2024 FCC ruling every telesales agent should know
Not legal advice. Here's the ruling that quietly changed what an agent can do with a phone. The ruling. In early 2024 the FCC declared that a voice generated by AI counts as an 'artificial or prerecorded voice' under…
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Term & Mortgage Protection·InsuraCentralStaff·
Banner Life / Legal & General America term: the price leader and what to know about the process
Banner Life, part of Legal & General America, is the term carrier agents quote when the client is healthy and price matters, which is most term clients. Where it fits. Preferred and standard risk classes on 10-, 20-,…
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Final Expense·InsuraCentralStaff·
Great Western Insurance: preneed, guaranteed issue and the funeral home connection
Great Western is known in the industry for preneed products sold through funeral homes and for guaranteed issue final expense, which puts it in a different lane from the mailer-lead carriers. Guaranteed issue. No health…
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New Agents·InsuraCentralStaff·
Getting your life insurance license in 2026: the exam, the fingerprints, E&O, and the first contract, in order
The order matters more than people think, because each step waits on the last one and some of them take weeks. 1. Pre-licensing course. Required hours vary by state. Pick a course with a good practice exam; the practice…
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IUL & Cash Value·InsuraCentralStaff·
F&G Annuities & Life: IUL and fixed indexed annuities from the same shelf
F&G shows up in both the IUL and the annuity conversation, and agents who write one often end up writing the other. IUL. Indexed universal life designed for accumulation and death benefit, with index options, caps and…
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IMOs, Contracts & Commissions·InsuraCentralStaff·
IMOs that 'provide free leads': what the free leads cost, and how to read that contract
The recruiting ad says free leads. Sometimes it's a fair deal. Here's how to tell, before you sign a contract that's hard to leave. Where the money comes from. Nobody gives away leads. The cost is in the contract level:…
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Compliance & Licensing·InsuraCentralStaff·
One-to-one consent in 2026: where enforcement actually stands, and what to do regardless
Not legal advice. A producer's map, because the rule has been announced, delayed, litigated and reinterpreted enough times that agents can't tell what's in force. What the rule tried to do. Require that a consumer's…
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Final Expense·InsuraCentralStaff·
Transamerica final expense, term and IUL: one contract, three very different products
Transamerica is a carrier where agents hold one contract and use it for three jobs, and the underwriting experience differs across them. Final expense. Immediate and graded options with a broad set of health questions.…
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Term & Mortgage Protection·InsuraCentralStaff·
Protective Life term: the conversion window, the price, and the underwriting experience
Protective is the other name that shows up at the top of term quote comparisons, and agents choose it for reasons beyond price. Where it fits. Healthy to mildly rated clients on 10- to 40-year term. Face amounts across…