Build a Six-Figure Career Without the Prospecting

We provide the leads. You provide the work ethic. Together, we build your legacy.

Getting Started

What does HMG Careers do?

HMG Careers screens, hires, and places agents for select AO, AIL, and NILCO agencies across North America under Globe Life.

Do I need a license to apply?

No. This is an entry-level professional role. You don't need a license to be hired, but you will need a state or provincial license to begin selling. We provide a step-by-step roadmap and exclusive discount codes for your pre-licensing course to help you get started as affordably as possible.

Do I need prior experience to apply?

No. Many of our candidates start with no prior experience. Training and guidance are provided.

Do I have to find my own leads or bother my family and friends?

No. This is where we differ from real estate or mortgage brokering. We make leads available at no cost to you. You will never be asked to "harass" your friends or family. We provide your clients through our exclusive partnerships with unions and veteran groups. You spend your time helping people, not hunting for them.

Is this a 100% remote, work from home position?

Yes this is a 100% remote work from home position that allows you the freedom to work from home but still be a part of a team and enjoy agency culture, mentorship, and camaraderie.

Do you provide equipment for this position?

We provide your training, software, E&O insurance and make benefits and leads availalbe to you. You will use your own laptop or desktop computer.

We recommend a Windows based computer, but a MAC will work as long as it will run Windows based software. Chromebooks and tablets will not work for this position. Your computer should have a working camera and mic so you can meet virtually with your clients and manager on Zoom.

What are my job responsibilities?

You will call the leads and referrals that we provide to schedule Zoom meetings and present benefit programs to enroll new clients. The full job description and qualifications are on our positions page. We also have a video on the home page to help you determine if this career path is a good fit for you.

Can I do this part-time?

We hire for full-time commitment. While this career offers incredible long-term flexibility, you cannot learn the business part-time. The first 3 months involve a steep learning curve and government licensing. We invest heavily in your software, training, and leads, so we look for agents who are "all-in" from day one. Once you've mastered the role, you'll earn the freedom to design a schedule that works for your life.

This sounds too good to be true. What's the catch?

Your success depends on the effort you’re willing to invest. We supply the leads, training, and ongoing mentorship—but it takes focus, self-motivation, and strong time management on your part. Remote work offers freedom and flexibility, but it requires discipline. This isn't the right fit for everyone.

How long does the application process take?

The initial application takes just a few minutes. After that, our team will contact you with next steps.

Individual FAQ Deep Dives

Explore different approaches to our most common questions.

Compensation

Most people fear commission because they fear the hunt, not the work. By removing the lead generation burden, we're offering the upside of entrepreneurship without the primary risk of failure.

Is this a commission-based role?

Yes, and intentionally so. We specialize in partnering with individuals who want to take full control of their financial future. This is a commission position with uncapped earning potential, supplemented by performance bonuses, lifetime residual income, and access to a comprehensive benefits package (Medical, Dental, and Prescription). Unlike traditional sales roles in real estate or mortgage brokering where you are responsible for finding your own leads, we provide your clients for you. We have established partnerships with unions and veteran groups, meaning you spend 0% of your time "prospecting" friends and family and 100% of your time doing what you do best: helping people and closing deals. In this role, your income is a direct reflection of your effort—without the glass ceiling of a salary.

I've never worked on commission before - is it risky?

In most industries, the "risk" of commission is the uncertainty of where your next client will come from. Whether you are a physiotherapist, a restaurant owner, or a realtor, no clients means no income. We have removed that risk entirely. Leads are made available to you. You will never be asked to harass your social circle or cold-call through a phone book. Because we work directly with protected groups like unions and veterans, we have a steady stream of people who already need our services. We provide the training and the clients; you provide the work ethic. We've built a system where your success is our success, allowing you to enjoy the freedom of a high-income career with the security of a proven lead-generation engine.

How does the compensation structure work?

We offer a high-performance compensation model designed for those who want to be paid what they are truly worth.

-Unlimited Earning Potential: high commission with no caps and frequent bonuses.

-Long-Term Wealth: Includes renewal income and lifetime residuals for true financial or retirement security.

-Zero Prospecting: We provide your clients. No "selling to friends," no cold calling, and no lead costs.

-Full Benefits: Access to medical, dental, and prescription coverage.

-Built-in Stability: We partner with stable organizations, unions & veterans to ensure you always have a full calendar of appointments.

Part-Time

Is this a part-time position?

We view this as a full-time career path with high-level professional rewards. Because we invest heavily in our new agents—covering training, software, benefits, and providing access to leads—we are looking for partners who are equally invested in their own success.

While this role offers incredible long-term flexibility, it is not a "side hustle." A six-figure career requires a focused start. The first few months involve a steep learning curve, including government licensing and mastering our remote systems. We have found that those who attempt to learn this business part-time often struggle, whereas those who commit to a "sprint" in their first 90 days build the foundation for a lifetime of high income and genuine time-freedom.

Earn Your Freedom

What kind of time commitment is required?

Our most successful agents enjoy schedules that would be impossible in a 9-to-5 world. However, that level of freedom is earned. You cannot learn this business part-time, even if you can eventually run it part-time. To ensure our clients receive the best service and that your career takes off, we require a full-time commitment during your onboarding phase. Once you have mastered the skill set and are hitting your goals, the position becomes incredibly flexible. Many of our veteran agents work fewer hours while maintaining a high income, but they got there by being "all-in" during those critical first few months.

Not a short term side gig

Can I do this as a side hustle?

To maintain the high quality of the leads we provide and to ensure you reach your income goals, we do not hire for part-time "side hustle" roles.

The Investment: We provide your training, benefits, and clients from day one. In return, we ask for your full focus.

The Learning Curve: Mastering a six-figure remote sales role is challenging. It requires a concentrated effort on the front end to ensure long-term success.

The Reward: After the initial training period, this role offers some of the best flexibility in the industry. We have many successful agents who have designed their schedules around their lives—but they reached that point by committing to a full-time start.

Do I need a background in insurance to apply?

Do I need a background in insurance or a pre-existing license to apply?

Not at all. This is an entry-level professional role, and the majority of our most successful agents came to us from entirely different industries. While you legally need a state or provincial license to sell insurance, you do not need one to apply. We hire based on character, work ethic, and coachability. We provide a streamlined path—including exclusive discount codes for your certification course to help you get licensed and ready to start your six-figure career as quickly as possible.

Step-by-Step

What is the process for getting started if I'm not licensed?

We have simplified the path to becoming a licensed professional:

The Offer: We can extend a conditional offer based on your interview, regardless of your current licensing status.

The Course: You'll enroll in a pre-licensing course designed to help you pass your exam on the first try. To support you, we provide exclusive discount codes to reduce your startup costs.

The Exam: Once you pass your government-mandated exam, you are officially ready to hit the ground running with the leads and training we provide.

Professional Independence

Do you cover the cost of my state/provincial insurance license?

We believe in starting our partnership on a foundation of professional independence. While we pay for your training, software, E&O insurance, benefits, and-most importantly, your leads, the license itself is your personal professional asset.

By paying for your own license, you own your credentials. You aren't beholden to the agency. This ensures our team is made up of committed professionals who are ready to build a serious career in the financial industry. It is a small investment on the front end that grants you the freedom to build a six-figure income without being beholden to anyone.

High-Value Partnership

Why do I have to pay for my own pre-licensing course and license?

It's a matter of where we focus our investment. Many companies will pay the couple hundred dollars for your license because their business model depends on you "harvesting" the names of your friends and family—which is worth thousands to them.

We do things differently. We invest our capital where it matters most for your daily success: providing you with high-quality leads from unions and veterans so you never have to prospect your social circle. We cover your expensive overhead, like lead costs and software. We ask that our agents cover their own licensing as a demonstration of their commitment to this profession. Statistics show that agents who invest in their own licensing have a much higher success rate in completing the course and launching a lucrative career.

Financial Maturity

Is there a startup cost?

Not if you are already licensed. We pride ourselves on having zero agency fees. We cover your lead costs, E&O insurance, and provide access to a full benefits package. The only out-of-pocket expense you will have is your government-mandated licensing and the associated prep course. We are able to provide discount code for your pre-licensing course at a reputible learning institution if reqired. We will discuss licensing in detail in your follow-up Zoom meeting with our hiring team.

Because this is a career in the financial services industry, we look for candidates who are in a stable enough position to make this initial investment in themselves. We provide the map and the fuel (the leads and training), but you have to be the one to turn the key.

When Can I Start Earning?

How soon can I expect to start earning?

Our goal is to get you into the "green" as quickly as possible. Legally, you must have your license before you can earn on a sale, but the moment your license is active, your earning potential begins. We don't believe in long, unpaid "classroom" periods. Instead, you will be paired one-on-one with a dedicated trainer whose sole job is to help you close deals. We move straight into live Zoom sessions and client calls from day one of your licensure so that you can see a return on your time investment immediately.

We operate on a "learn by doing" model. There is no delay in your ability to earn. We know that the most successful agents are the ones who see results early. That's why our training is focused on live production.

We are fully invested in your success because we only thrive when you do—meaning our training is designed to get you paid, not just "educated."

Entrepreneurial Advantage

Is this a standard employment (W-2/T4) position?

This is a unique position, as you will be an independent contractor but also be a member of a Union and receive medical, dental, and prescription benefits. This allows you the freedom to work from home and provides significant tax advantages, such as writing off a portion of your home office and business expenses, internet, and cell service.

We've designed this role to offer the "best of both worlds": you receive the high-level support of a major agency—including access to medical benefits, proprietary software, and a consistent lead stream—while enjoying the significant tax advantages of being a business owner.

This allows you to write off a portion of your home office, equipment, internet and cell service and other office expenses. Our agents find that this structure offers a level of financial freedom and "home-office" flexibility that a traditional employee role simply cannot match.

Professional Freedom

What is the legal nature of this role?

You will be joining us as an independent professional. This structure is what allows us to offer such incredible flexibility and a 100% remote working environment. Because you are not a traditional employee, you are in the driver's seat of your own "business within a business." You have the autonomy of an entrepreneur, backed by the infrastructure of a proven system.

We provide the training and the clients; you provide the professional dedication. This setup is ideal for those who value independence and want to maximize their take-home income through strategic business write-offs.

Tax Forms

Will I receive a W-2/T4 or a 1099/T4A?

You will receive a 1099 (U.S.) or a T4A (Canada).

Business Ownership: You will be a unique independent contractor but also enjoy the benefits of belonging to a union and will be eligible for medical, dental, and prescription benefits. This will allow you to manage your own schedule and work remotely.

Tax Efficiency: Many agents prefer this structure because it allows for various business-related tax deductions (home office, internet, etc.) that aren't available to traditional employees.

Full Support: Even as a contractor, you aren't on your own. You have full access to our lead systems, one-on-one mentorship, and a comprehensive benefits package—giving you the security of a large organization with the freedom of an entrepreneur.

Get Started

Want to work with us?

Take the first step toward a flexible, rewarding career today.

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