Frequently Asked Questions

I’ve Never Been In Sales Before – Can I Really Make A Good Income?

Absolutely! Some of our top income earners came from a completely unrelated field – here are some examples:

Teachers, Athletes, Former CEOs, Recent Graduates, Stay-at-home Moms, Veterans, Waiters & Bartenders, Musicians, Grandmothers, Leasing Agents, Recent Transplants, Real Estate Agents, City Administrators, Operations Managers

We see this as an advantage since we train you from the ground up. Some of our top six-figure income earners each year are people in their first year with our company. In fact, one in seven full time career agents with Family Heritage earns a six-figure income.

Your income will be a direct reflection of two things; your work effort and your ability to apply our selling and growth systems. If you have confidence in both areas, we provide you the opportunity to attain your personal income goals.

What Does It Mean To Be Fully Vested?

Vesting in your personal and team renewals is as follows: 50% after two years, 60% after three years, 70% after four years and 100% after five years. If you were to leave after those time periods you will continue to receive commissions paid to you moving forward on the lifetime of all the policies sold by you and the people you led! Should something happen to you, your vested commissions will go to whomever you desire.

Do You Offer Paid Benefits?

Because we are classified as independent contractors we meet our own insurance needs like any other business owner. Because of this you have the ability to choose what insurance is best for your own personal or family needs. Family Heritage offers cash bonuses designed to offset those costs.

What Expenses Will I Have Initially?

The company provides all the sales marketing materials, initial training & ongoing leadership development at no cost to you. The WorkFORCE Leadership Team provides the local office at no cost to you. You are responsible for attaining your state license, which is very inexpensive. You are also responsible for getting to and from selling appointments.

When Can I Get Into Recruitment and Leadership?

We are a company where people with leadership qualities thrive. There is no required time limit before you can begin recruiting and leading people. While our sales professionals make a very lucrative income, recruiting and leading people adds significantly to your income opportunity.

When/How Can I Get Into Ownership?

We offer an ownership opportunity second to none. Think of Family Heritage as the NFL. The NFL is the governing body over multiple independently owned teams (Cowboys, Texans, Steelers, Chiefs, Patriots, etc.). Each football team has the freedom to create a culture within but all teams represent the product produced by the NFL. Family Heritage is represented by 50 independently owned and operated agencies, WorkFORCE being one of them. Each agency began with an individual sales professional who decided to climb the ladder to the top, and was promoted to agency owner. You can be promoted to owner of your own agency in as little as 2-3 years with the right focus and activity!

What Would My First Few Weeks Look Like?

A new agent’s first few weeks are tightly structured to give a proven ramp to a successful launch. Our New Agent Calendar goes through this in detail.

How Much Travel Is Involved?

This is your local career. Most of your time will be spent working in your local assigned territory. As a part of the corporate training process (called Sales Academy) you will travel for four days your first week to a nearby city and Family Heritage covers the cost of your hotel while you’re there.

Do People Fail In This Career?

Career agents fail because of 2 reasons:

  1. Lack of effort
  2. Lack of follow through on systems

We provide the best products and the need for our policies is ever growing. We provide exceptional product and process training. We provide a pay structure that is cash rich and a selling process that yields a very short selling cycle.

Our Sales System

1. Serving Mom & Pop Business Owners

The WhatSmall Mom & Pop businesses (1-10 employees where you can walk in and meet the owner) are underserved in our niche. They are too small for AFLAC and Colonial to serve

The WhyThink about it. A small hair salon, mechanic, flower shop, etc. relies on the owner being present to operate the business and serve the customer. If the owner were to battle cancer and couldn’t run their shop for 3-6 months it would affect their business revenue, their personal income and cause a hardship in paying their business and personal bills. They love the logical nature of our products with Return of Premium. These business owners “get” what you are offering and provide the best referrals.

NOTE: We also serve larger businesses on a payroll basis but start with the Mom & Pop and systematically work in the “back door” approach with the larger businesses.

The How To: You will be trained on a systematic approach to prospect, develop referrals and sell. We call it Pre-Approach. It begins with walking into 20-30 businesses on a daily basis to find the decision-maker, set the appointment and give a presentation. With energy and follow through, it’s extremely effective and produces an immediate result that is long-lasting.

2. Serving Those In Your Personal Network

The Why: The majority of people we’re connected to have never discussed or considered a backup plan if they were to go through cancer, heart attack, stroke or an accident. Most people have been approached by multiple sources regarding Health Insurance, Life Insurance and Retirement, but very few have anything in place to pay their bills while they are battling (and surviving) an illness.

Impact Their Life: Your personal prospect sees the very best supplemental insurance on the market and is grateful you care about them enough to introduce them to the policies. Most likely they have heard of AFLAC and other companies but lack the clear understanding of the benefit of the policies they offer.

You benefit by earning a substantial advance pay, lifetime residual income, and a wealth of referrals – all while helping someone you care about!

The How To: Develop a list of 100 people in your personal network and work out of the local office each week to set up 8-10 selling appointments. Think about who you know personally who has battled cancer. Did they have any financial hardships that came unexpectedly? Would they have benefited from having our policy in place? If you went through cancer tomorrow and couldn’t work for 6-9 months or longer how would you pay your bills and keep your family afloat?

Schedule For Success


  • 1 hour. [anytime] – Create weekly game plan on Google Calendar and share with your mentor. Organize all the business you wrote that week and have it ready to turn in Monday.

Monday - Friday

  • 9 am – Conference Call (In-office meeting on Mondays)
  • 10 am – Phone call block
  • Noon – Appointments + Field Approaches
  • 6 pm – Pre-call planning for next day / CRM Maintenance

The Point System

The name of the game every day is getting 30 "points"

It all starts with Approaching - which could be approaching a referral over the phone, walking into a business and asking to speak to the owner, or walking across the street from a client's house and introducing yourself to the neighbors.

  • 1 Point for making an Approach
  • 3 Points for giving a Presentation
  • 5 Points for protecting a family

Every agent is different. Some have a vast network of contacts that they can tap into immediately to get those 30 points every day. Others build their business by introducing themselves to new people until they’ve built up a referral network of their own. Either way, Approaches lead to Presentations lead to Customers.

An Example of how points work in the typical First Week:

  • Monday: Approach 30 people and set 4 appointments = 30 points
  • Tuesday: Get stood up for 2 appointments, Approach 30 people and set 3 appointments = 30 points
  • Wednesday: Give 3 Presentations (9 points), Approach 21 people = 30 points
  • Thursday: Give 5 Presentations (15 points), close 1 with 2 Applications (5 points), and then Approach an additional 10 people = 30 points
  • Friday: Give 7 Presentations (21 points), close one with 3 Applications (5 points) & one with 2 Applications (5 points) = 31 points

Earnings from the above Activity: (see next section for more details)

  • Total: 7 Applications and a $1,400 deposit the next week

How We Get Paid

Personal Sales

Each week, you’re paid an advance on future income from the sales you make. You receive on average $200 per sale up front:

Cash Flow Examples:

  • Sell ONE a day: $200 a day x 5 days = $1,000 a week
  • Sell TWO a day: $400 a day x 5 days = $2,000 a week
  • Sell THREE a day: $600 a day x 5 days = $3,000 a week

Renewals & Residual Income

Beginning with the second year, you will be paid renewal commission for every active policy.

The value of your renewals after just one year …

  • Sell ONE a day: Lifetime Renewals (Years 2-20) = $50,000
  • Sell TWO a day: Lifetime Renewals (Years 2-20) = $100,000
  • Sell THREE a day: Lifetime Renewals (Years 2-20) = $150,000

Imagine the residuals you can build over a 5, 10 or 15-year career. Our agents are fully vested for life in all their future commissions after just five years with us - making this an attractive alternative to just trading time for money as in most other careers.

We’ll explain how the commission works in even more detail later in the hiring process.

Team Building

We are not just looking for high-performing sales people – our passion is to help people build businesses of their own!

We have quarterly training on exactly how to build a massively-profitable agency. We promote our new agents quickly: you can get your first promotion a few weeks after you start, and you can get promoted completely out of our business into one you’ve built for yourself.

  • We allow all our new Agents to bring in new Agents from day one
  • You earn overrides based on how much your team sells
  • For each person selling 5-6/week, you're advanced around $200

So your weekly advance would go up depending on how many active agents you have at any given time:

  • ONE agent = $200 a week
  • THREE agents = $600 a week
  • TEN agents = $2,000 a week

Your override will increase and you can also earn lifetime renewals on your team sales by moving into our Management and Leadership roles.

Bonuses & Incentives

Our partnership with Family Heritage gives our Agents:

  • Award-winning incentives
  • Monthly cash bonuses
  • Monthly stock grants
  • Company-paid world-class international & domestic vacations
  • Company-paid leadership training
  • and more!

Schedule Your Interview

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