Starbound Financial is a final expense agency built to run remote. We get you licensed and contracted, hand you our own Lead Center, the scripts and the Carrier-Fit tool, then put a manager on you who stays on well past your first sale.
The Starbound Lead Center. Sample lead, not a real person.
Course paidWe cover your $200 prelicensing course
$0To contract with Starbound
Half start unlicensedLicensing is phase one — no experience needed to apply
From homeOn the phone, not at doors
The Lead Center
Our own CRM, built for the phone call.
Most agencies hand you a login to somebody else's software. We built ours around the one thing you do all day: dial, talk, log it, next. It opens from your phone's home screen like an app, and it's set up for you on day one.
Swipe to see all six
Dialing
One tap to call. One tap to log it.
The lead you should call next is always on screen with a single Call button. When you hang up, you tap how it went and the next lead opens. The lead's details stay in front of you the whole time, so if they pick up, you're ready.
Their local time, shown before you dial, with a check if it is too early or too late to call.
No answer comes back in 2 hours. Work the queue, get told you are done, run it again.
Bad numbers leave your queue the moment you mark them.
How did it go?
No answerLeft voicemailTalkedPresented quoteSet appointmentBad number
Carrier fit
Type their medications. See which carrier fits.
Built into every lead. Add what they take and what they've been treated for, and it ranks which carrier to quote first.
Best fitCarrier nameProduct name
Best tier
Day one coverage · ranked against every carrier on your desk
A triage guide. The carrier's own underwriting is the final word.
Texts and scripts
The words are already written.
First text, missed call, follow-up, appointment reminder: one tap opens it in your own Messages app, ready to send from your number. Scripts, rebuttals and the carrier guide sit one screen away.
First textMissed callFollow-upAppointmentThank you
Your numbers
Know your contact, presentation and close rate.
Every call you log feeds your own scoreboard, so goal-setting with your manager starts from real numbers. You also see where you stand on the agency board each week.
62%Contact rate
41%Presentation rate
28%Close rate
$7,440Annualized premium
Numbers blurred on purpose. Yours fill in as you log calls.
Lead Store
Leads, inside the same place you dial them.
Fresh leads are exclusive and land in your Lead Center the moment they come in. Older leads are sold by state, in the states you're licensed in. Your balance, your orders and the leads themselves all live in one place.
FreshLive delivery
Semi-FreshUnder 30 days
Aged30 to 90 days
Bulk90+ days
Your name on it
A page that shows clients who you are.
Your photo, license number and contact details on your own page, so a client knows exactly who they're working with. After a sale, they get a simple policy page they can share with family.
whosmyadvisor.com/your-name
Screens are drawn with made-up people.
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
The Starbound Lead Center
Built in-house. Your own account, where leads land and every call logs against the record. Your manager builds it out with you. See it above
Set up for you
Your page
WhosMyAdvisor
Your own page at whosmyadvisor.com with your name, photo, license number and contact details. It's there so a client knows exactly who they're working with, and can check you're licensed.
Built for you
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
After the sale
A policy page for your client
When a sale is confirmed, your client gets a simple page with their policy details and how to reach you. They can share it with family, so the people who matter know who to call.
One tap from the Lead Center
Digital
A virtual business card
Matched to your WhosMyAdvisor page, 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
Underwriting
The Carrier-Fit tool
Type in a prospect's medications and health history and it ranks which carrier to quote first. Day-one agents don't have that in their head yet, so it's built into every lead.
On every lead from day one
Tracker
Onboarding checklist
Every step 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 Lead Center, the script and the Carrier-Fit tool — 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. 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.
011–2 weeks
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.
02About 1 week
Onboarding & contracting
Your contracting accounts go up, then E&O, AML training, and carrier submissions. While appointments come back, your Lead Center gets set up and your first leads are loaded. Your WhosMyAdvisor page and virtual business card get built here too.
Appointments return in 2–5 business days
Phase clears whenAppointments are confirmed, your Lead Center is live, and your first leads are loaded.
03First week
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, 500 to 1,000 dials a day.
First sale: day 1 goal, day 3 at the latest
Phase clears whenGoals are set, script training is done, your dial schedule is running, and the first sale is closed.
What it costs
What it costs to start, laid out plainly.
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
Lead Center, WhosMyAdvisor page & business cardSet up and built for every agent
Provided
Contracting, 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 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, open the Lead Center, and talk to people who asked for information about final expense coverage. Ramped agents run 500 to 1,000 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 the Lead Center, calling people who submitted a form asking about final expense coverage. Ramped agents run 500 to 1,000 dials a day.
Is this a job or a 1099?
1099, independent contractor. You set your own hours, you carry your own business 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. 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 Lead Center account, WhosMyAdvisor page 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 Lead Center is 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.
