Starbound Financial

The support

Everything you'd otherwise buy or build.

A licensed agent with no system is a licensed agent with a phone and a spreadsheet. This is what's waiting on the other side of contracting — set up for you, not sold to you.

Software

CRM

Your own CRM

Your own account. Leads land in it, every call logs against the record. Your manager builds it out with you.

Set up for you

Dialer

A triple-line dialer

Runs three lines at once, so you're talking instead of listening to ringtones. It's how a thousand-dial day is possible at all.

Free trial, then $99/mo

Deliverability

Registered numbers

Five state numbers, spam-registered so your calls show up clean instead of as "Scam Likely."

$1 per number

Contracting

The contracting portal

Where your E&O, AML training and carrier submissions run. Appointments come back through it in two to five business days.

Included

Your brand

Website

A site with your name on it

Every agent gets a personalized website — name, photo, license number, contact details. Somewhere a prospect can look you up before they pick up.

Built for you

Digital

A virtual business card

Matched to your site, sent in a text. Saves straight into their phone — nothing to reorder, nothing to run out of.

Send it in a text

Playbooks

Script

The final expense script

Eleven steps, intro through the last ten minutes after submission. Objections get raised before the prospect can use them.

Trained line by line

Cheat sheet

Carrier order of operations

Which carrier to quote and in what order, across every product line. Day-one agents don't have that in their head yet, so we put it on the desk.

On the desk from day one

Tracker

Onboarding checklist

The nineteen steps below as a live checklist that saves your place. Open it any morning and it tells you the next thing you owe.

Holds your progress

How you're supported

Trained, backed, and never alone in it.

Plenty of agencies contract you and disappear. Here's what actually runs day to day — training that doesn't stop at your first sale, and a home office that's still a team.

Train

Script training runs with your direct manager — the script itself, game planning, and call strategy. You run it as written until you've earned the right to change it. Your manager stays on until the first sale is closed, and the goal is day one, day three at the latest.

Develop

You set goals with your manager and reverse-engineer them into daily and weekly activity, so "do better" turns into a dial count and a submit count you can actually hit. The numbers are yours, and they're reviewed with you, not held over you.

Grow

Once you're producing, the calls and the coaching keep running, and there's a written roadmap for what comes after — expectations, next carriers, and a team of your own. You can start building that team from day one.

What you bring

A computer, a headset, and internet that holds a call.
A room where you can talk for hours without someone walking through it.
Hours you actually keep. Nobody clocks you in, which is the hard part.

What's already running

Two team channels — one for licensing coursework while you study, one for the team after.
A direct manager you can reach mid-day when a call goes sideways.
The CRM, the dialer, the numbers, the script and the carrier sheet — live before your first dial.

On video, Monday through Sunday

Support does not stop at your first sale. There is a call running every day of the week, and you take what you need from it.

Daily support callsTeam meetingsGuest speakersTop producers taking live callsLive feedback on your own calls

The path

Three phases. Nineteen steps. Nothing hidden.

This is the same onboarding document every Starbound agent works through, condensed. You'll get the full checklist on day one and check the steps off as you go.

01 1–2 weeks
9 steps

Getting licensed

You join two channels — one strictly for licensing coursework and state directions, one for the team. You request your state's prelicensing course, which we pay for, then study until practice tests pass consistently and sit the exam. Then fingerprints, the license application, and a few business days of waiting.

$200 course paid by Starbound

Phase clears whenYour state emails you your license number and NPN.

02 About 1 week
6 steps

Onboarding & contracting

Your contracting accounts go up, then E&O, AML training, and carrier submissions. While appointments come back, your CRM gets set up, you buy five state numbers at a dollar each, get the dialer running, and spam-register those numbers so your calls actually connect. Your website and virtual business card get built here too.

Appointments return in 2–5 business days

Phase clears whenAppointments are confirmed, the dialer is live, and your first leads are loaded.

03 First week
4 steps

First week & first sale

You set goals with your manager and reverse-engineer them into daily activity. Script training runs with your direct manager — script, game planning, call strategy. Then you're on the phones for real, 1,000 to 1,500 dials a day.

First sale: day 1 goal, day 3 at the latest

Phase clears whenGoals are set, script training is done, the dialer schedule is running, and the first sale is closed.

What it costs

Every dollar, including the ones nobody mentions.

If an agency won't give you this list before you sign, that tells you something. Here's ours.

LeadsYour biggest ongoing cost, and the one you control — scale it to how hard you're running. It's a business expense you deduct, not a fee to us.

$250–$1,000/wk

Prelicensing courseThe $200 course fee — we pay it, not you

Paid by Starbound

State exam, fingerprinting, licensePaid to your state — amounts vary

Varies by state

State phone numbersFive, spam-registered so you connect

$1 each

Triple-line dialerFree trial first, then monthly

$99/mo

CRM, website & business cardSet up and built for every agent

Provided

Contracting, E&O, AML & trainingNo contracting, training, or desk fee to join

$0

We pay your $200 prelicensing course. State exam, fingerprinting and application fees are set by your state, and tool pricing is set by the vendors — both can change. You're a 1099 independent contractor, so the costs you do carry are business expenses you deduct.

How you get paid

Commission, and when it lands.

No salary, no draw. You're paid a percentage of the first year's premium on every policy you place. Here's the whole mechanic.

The policy sets the number

Every policy has an annual premium — what the client pays over a year. Your commission is a percentage of that first year, so a bigger case pays more than a smaller one. Most agents start contracted at 75–80%, and that level moves up as you produce.

Most of it comes up front

Carriers advance a portion of that first-year commission once the policy is approved and the first payment clears, instead of paying it out monthly across the year. It lands as a deposit, usually within days of approval. Because it's an advance, a policy that lapses early gives part of it back — which is why our agents are trained to an 80% persistency standard, and why quoting a budget the client can keep paying is built into the script.

It keeps paying after year one

Policies still on the books pay renewals at a smaller percentage. Early on that is not much. A few years in, it is the part that compounds.

Current carrier commission schedules and what a typical case looks like in your state get covered on the call. Those are carrier- and state-specific, so we go through them with you instead of posting a number that doesn't apply to you.

The work

It's a phone job. All day.

You sit down, the dialer runs three lines at a time, and you talk to people who asked for information about final expense coverage. Ramped agents run 1,000 to 1,500 dials a day. It's repetitive on purpose — the volume is the job.

People who do well here

Confident. Somebody pushes back on the phone and you stay in the call instead of apologizing your way out of it.
Driven without anyone standing over you. You dial when nobody is checking, because nobody is checking.
A self-starter. Nobody builds your day for you — you decide what the morning looks like and then run it.
Business-minded. The hours, the costs and the numbers are yours, and you would rather own that than be handed a shift.
Growth-oriented. You are building something, and you can start building a team from day one.

People who don't

Excuse makers. There is always a reason the week was slow, and it is never the dial count.
Anyone who needs to be pushed. Nobody here will chase you to work your own business.
Anyone who just wants a paycheck. This pays on what you produce, so waiting out the clock pays worst of all.

None of that is about experience — we're not expecting a sales background, we're expecting the mindset. We are looking for people building a career and a business, not people filling a seat. If that is not what you are after, better to know it now than in week three.

Who you'll write

Over ten carriers on the desk.

You can be contracted through more than ten carriers, writing across every product line we sell — so you place the case in front of you instead of forcing one product on everyone.

Final expenseWhole lifeTermIULMortgage protection

Final expense is the core of the business. The rest you grow into once you're producing.

Questions

Asked every week.

Do I need a license before we talk?

No. Getting you licensed is phase one, and about half the people we contract start without one. You'll take your state's prelicensing course online, sit the exam, get fingerprinted, and apply — typically one to two weeks. We pay the $200 prelicensing course; the exam, fingerprinting and application fees go to your state and vary by state.

Is this door-to-door?

No. It's telesales. You work from a dialer that runs three lines at once, calling people who submitted a form asking about final expense coverage. Ramped agents run 1,000 to 1,500 dials a day.

Is this a job or a 1099?

1099, independent contractor. You set your own hours, you carry your own tool costs, and you pay your own taxes quarterly. Nobody clocks in.

What do I actually pay to start?

We pay for your $200 prelicensing course. What's left is your state's exam, fingerprinting and application fees, five phone numbers at a dollar each, and the dialer at $99 a month after its free trial ends. Once you're dialing, leads are the real ongoing cost — agents spend anywhere from $250 to $1,000 a week on them, scaled to how hard they're running. Your CRM account, website and business card are set up and built for you at no cost. Nothing goes to Starbound — no contracting fee, no training fee, no desk fee. If any agency asks you for a startup check, walk.

What does a day look like once I'm ramped?

Dial block in the morning, quote and write what you set, submit through the carrier's eApplication the same day. Script training with your manager early on, and a team channel running all day. Activity targets are set with your manager and reverse-engineered from your own goals.

What support do I actually get?

A direct manager who does script training with you, sits with you through the first sale, and helps you game-plan calls — and none of that stops once you've sold something. There are video calls Monday through Sunday: daily support, team meetings, guest speakers, top producers taking live calls in front of everyone, and live feedback on your own calls. Two channels run alongside it — one for licensing coursework while you're studying, one for the team after. What you bring is a computer, a headset, internet that holds a call, and a quiet room; the CRM, dialer and phone numbers are set up through the agency, so you're not sourcing software on your own.

Thirty minutes tells you most of it.

We'll ask what you're leaving, tell you what the first ninety days actually look like, and you decide. If it isn't a fit, it isn't.