Independent life insurance agency
When the worst happens, the family keeps the house.
That is what this business is for. Fastlane Financial places real coverage on real families — mortgage protection, final expense, term and whole life — with A-rated carriers, at rates we shop for you.
- Independent
- Not captive to one carrier
- A-rated carriers
- We shop the market for you
- Licensed agents
- No call center, no script readers
What we do
Four kinds of coverage. One honest recommendation.
Because we’re independent, we aren’t selling one company’s product. We look at income, debt, health and budget, compare A-rated carriers, and tell you which policy fits — including when you need less than you thought.
- 01
Mortgage protection
Life insurance sized to the balance on the house. If the person making the payment dies, the policy pays the family — the mortgage keeps getting paid and nobody is forced to sell.
Who it’s for — Homeowners with a mortgage and someone depending on that income.
How mortgage protection works → - 02
Final expense
Smaller whole life policies built to cover a funeral, burial or cremation, and the bills that follow. Permanent coverage, and the premium does not climb with age.
Who it’s for — Adults, often 50 to 85, who don't want the cost landing on their kids.
How final expense works → - 03
Term & whole life
Straight income replacement. Term covers a set number of years at the lowest cost per dollar; whole life is permanent and builds cash value over time.
Who it’s for — Families replacing an income, covering debt, or protecting a business.
How term & whole life works → - 04
Retirement & IUL
Permanent policies that pair a death benefit with cash value that can grow tax-advantaged and be accessed later in life, subject to the policy's terms.
Who it’s for — People who want protection now and a tax-advantaged asset later.
How retirement & iul works →
Product availability, riders and pricing vary by carrier, state, age and health. All coverage is subject to carrier underwriting and approval. Nothing on this page is an offer of insurance or a quote.
The process
Five steps, and you always know which one you're in.
Buying life insurance goes badly when nobody explains what happens next. This is exactly how a case moves through our office, start to finish.
- 01No cost, no obligation
You reach out
You request information or we call a request you already sent in. First conversation runs about fifteen minutes: what you're trying to protect, who depends on you, and what you can comfortably spend.
- 02About 20 minutes
We build the picture
Income, mortgage and debts, dependents, existing coverage through work, and an honest health history. Health history matters — it decides which carriers will approve you and at what rate.
- 03Same day, usually
We shop the carriers
We compare A-rated carriers against your file and bring back real options side by side, with the trade-offs stated plainly: what each one costs, what it covers, and what it doesn't.
- 04Minutes to a few weeks
Application and underwriting
We complete the application with you and submit it. Some policies approve in minutes; others take a few weeks and may need medical records or a paramed exam. We tell you which one you're in before you sign.
- 05Ongoing
In force — and reviewed
Once the carrier approves and the first payment clears, the policy is active. We confirm your beneficiaries in writing and check in as life changes: a new baby, a new house, a new job.
Most families are one income away from losing the house — and most of them have never had anyone sit down and run the numbers with them.
Fifteen minutes. No cost, no obligation.
Who we are
An agency built around the client’s file, not a quota.
Fastlane Financial is an independent life insurance agency working with families nationwide by phone and video, and in person across South Florida. We hold appointments with multiple A-rated carriers, and we are not owned by any of them — which is the whole reason we can tell a family the truth about what they need.
- Founded
- 2026 · Fort Lauderdale, FL
- Phone
- (239) 297-6364
- 01
Independent, not captive
A captive agent has one carrier's product to sell, so that's the product you get. We place business with multiple A-rated carriers and the recommendation follows your file.
- 02
Partnered with Family First Life
One of the largest life insurance organizations in the country. That partnership is where our carrier access, contracting and training infrastructure comes from.
- 03
Trained on a written program
Every agent runs a documented 90-day onboarding — licensing, product, compliance, supervised calls — before they're working their own book.
- 04
Compliance is not optional
State licensing, carrier appointments, TCPA and do-not-call rules, call recording standards. Each one is a gate an agent has to clear to advance.
Careers · Now hiring nationwide
We are hiring life insurance agents.
Licensed and unlicensed. Remote, from anywhere in the United States. No sales background required — we have taken servers, retail managers and warehouse workers to a licensed, producing agent inside of a month.
What we provide
Leads, free for your first 60 days
Real people who filled out a request for coverage. You are not buying lists, cold-calling strangers or working your friends and family.
85% starting commission
Among the highest starting contracts in the industry, with a written schedule for how it increases as you produce.
One-on-one mentorship
You train directly with producers who have written millions in issued business, and they stay on your calls until you can run them alone.
An annual trip outside the U.S.
The organization takes the team out of the country every year — earned on production, open to first-year agents.
A documented 90-day program
Licensing, product, compliance and supervised production — eight phases with checkpoints, not a folder of videos and good luck.
What we won’t sugarcoat
It's commission-only.
There is no salary, no draw and no hourly wage. You are a 1099 independent contractor and you are paid when policies are issued.
You need a license.
If you don't have one, most people can get a state life license in one to two weeks. The course and exam run roughly $200–$400 depending on your state.
Training is ten days, unpaid.
Ten days of full-day training before you go live. It's the part that makes the difference, and it's the part most people underestimate.
Full-time means full-time.
The agents earning six figures in year one are working around 60 hours a week, mostly in the evening window when families are home.
Agents are independent contractors, not employees. Commission percentages describe contract levels, not earnings. Any income figure discussed anywhere on this site is an example, not a guarantee, promise or projection of what you will earn.
$116,000
Average agent
First 12-month income.
That is the average, not the ceiling and not a floor. What an agent earns in year one comes down to how fast they get licensed, how many hours they actually work, and how long they stay in front of families.
Average income figures reflect agents across different production levels and time in the business. They are examples, not a guarantee, promise, or projection of what you will earn. Agents are independent contractors paid on commission.
From the team
Top paychecks, posted every week.
Our organization publishes the weekly leaderboard — names and numbers, in front of everybody. It is the same board you land on when you start producing.
Clips show individual agents’ own results. Agents are independent contractors paid on commission; earnings vary widely and depend entirely on individual effort, licensing, and time in the business. These are examples, not a guarantee, promise, or projection of what you will earn.
The application takes about three minutes.
Nine questions, no resume, no cover letter. Every application is read personally and answered within one business day.
Your first 30 days
Unlicensed on Monday.
Writing business in a month.
Every week has one job and a mentor whose job is making sure it gets done. This is the front end of the documented 90-day program every Fastlane agent runs.
- Week one
Get licensed
You start the pre-licensing course on day one and sit the state exam the same week you're ready.
- Pre-licensing course starts day one
- Study schedule set with your mentor
- State exam scheduled and sat
- Carrier contracting submitted in parallel
- Week two
Learn what you're selling
Product and carrier training — not a slide deck, the actual decisions you make on a live case.
- Term, whole life, final expense and IUL
- Which carrier fits which health profile
- Underwriting, field notes, case placement
- Compliance: TCPA, do-not-call, recording
- Week three
Get on the phone
Real leads, real calls, and a producer on the line with you for every single one of them.
- Roleplay until objections stop rattling you
- First live calls on agency-provided leads
- A producer on the line for every call
- Daily debrief on what to fix tomorrow
- Week four
Run your own week
You're writing business, managing your own calendar, and building the plan for the next ninety days.
- Applications written and submitted
- First commissions on issued policies
- Your own calendar and lead flow
- Ninety-day plan set with your upline
Day 30: licensed, contracted, trained, and writing your own business — with support still on the call.
Apply to joinQuestions
Answered the way we'd answer on the phone.
Two audiences, two sets of questions. Families first, then the ones candidates ask before they apply.
Nothing. There is no fee for the consultation, the needs analysis, or the quotes. When a carrier issues a policy, the carrier pays the agency a commission that is already built into the published premium — and because life insurance rates are filed with your state, the same policy costs the same whether you buy it through us or go direct.
For families
Find out what you’d actually qualify for.
Call and talk to a licensed agent about your age, your state and what you’re trying to protect. We come back with real options from A-rated carriers. No cost, and no obligation to buy anything.
Prefer to write? joseph@fastlane-financial.com
For agents
Apply to join the agency.
Nine questions, about three minutes, no resume required. Licensed or unlicensed, anywhere in the United States. Every application is read personally and answered within one business day.
Start application