How We Operate

Choice Mutual is the largest online independent final expense agency in the USA. We changed the way consumers shop for final expense insurance.

Historically, final expense insurance has been sold knee to knee in a customer’s home. That is changing, and we’re leading the charge.

Every year, we sell thousands of policies without ever meeting a client in person because we operate entirely over the phone and the internet.

Sales Agent Position Requirements

Agent positions don’t become available often, and when they do, they are filled quickly.

To work at Choice Mutual, you must meet all of the following requirements:

  • Report to our local office every day in Reno, NV (we do not hire remote agents under any circumstance).
  • Work full-time Monday-Friday 8 A.M. to 5 P.M. Pacific Standard Time (we do not hire part-time agents under any circumstance).
  • Currently, hold an active life license in Nevada.
  • Free of any Vector One balances.
  • Basic computer literacy.
  • Have a stellar work ethic and a coachable attitude.
  • You are comfortable working 40 hours per week in an office, making outbound calls to warm inbound leads.
  • Pass a background check and get successfully appointed with all carriers we represent.
  • Have E&O insurance.

If you fail to meet any of those requirements, please do not inquire. We will not make exceptions for anyone.


What To Expect When You’re A Choice Mutual Agent

Attire here is corporate because we like to maintain a professional environment. Most call centers allow people to wear whatever they want because clients never see the agents. That’s not how it is here.

The atmosphere here is light and encouraging. We like to have a good time with one another, but everyone understands that serving customers is always the top priority.

For those who are accepted, you can expect the following benefits:

  • Base salary plus performance bonuses that will easily yield a six-figure income.
  • W2 bi-weekly pay.
  • 15+ carrier options so you can always put each client in the best position possible.
  • No cold calling.
  • Leads are provided at no cost to the agent.
  • New inbound-only leads.
  • Paid training.
  • 1-3 exotic trips around the world every year (all expenses paid for).
  • Health, dental, and vision benefits.
  • Paid time off.
  • Professional & comfortable office working space with cubicles.
  • Full back-end support for ongoing client service issues.
  • Custom-built electronic applications (clients view and sign directly on our website) that are substantially easier to use (for agents and clients) compared to products from companies like Ipipeline.
  • You’ll get to work for the most advanced final expense telesales company in the nation and have access to proprietary carrier platforms not available to any other agency.
  • No startup or ongoing fees (you will have to keep your resident and non-resident licenses renewed).

If you’re interested in working with us, please use the contact forms on this page. A recruiter will be in touch within three business days.

If you want to call us about open positions, call us at 1-855-362-5433. Please do not call the phone number listed at the top of this website. That number is for consumer inquiries.


Frequently Asked Questions

Every carrier is unique regarding why they may not accept an agent for contracting. That said, here is a list of the most common reasons why agents may get rejected in the contracting process (there may be others).

Some of these issues can be overcome. However, some are hard-stop declines.

If you want to work with us, meet all the requirements listed above, and have some of these issues, call us first. We’ll figure out if we can overcome your specific problem. The number to call is 1-855-362-5433.

  • Child support in arrears
  • Too much debt in arrears
  • Criminal history
  • For cause terminations by other carriers
  • Vector balances
  • Bankruptcy
  • Liens
  • Low persistency/placement if trying to return to a carrier

We offer a base salary plus a performance bonus. Agents are not paid commission only like most final expense insurance sales positions. Our philosophy is to ensure each client receives truly impartial advice from our agents.

We offer a base salary plus a performance bonus. Agents are not paid commission only like most final expense insurance sales positions. Our philosophy is to ensure each client receives truly impartial advice from our agents.

Once a consumer deals with us, they should not be able to get a better deal elsewhere. This is good business because it follows the golden rule. Plus, it also leads to very few cancellations because a client got a better policy somewhere else.

Having agents on a salary ensures they never have to choose between making money and doing what’s suitable for the customer.

If you meet particular production and quality of business goals, you’ll get a bonus paid out at the end of the month.

Yes. Quality production over time will yield better compensation.



No. You will need to maintain your own E&O insurance.

At this time, we do not.

No. All commissions are paid to Choice Mutual. You will get a W2 paycheck via direct deposit from Choice Mutual on a bi-weekly basis.

No. If you leave and still want to be in the insurance business, we won’t stand in your way.

Absolutely. As a Choice Mutual agent, you’ll have access to propriety information and processes. There is a long list of organizations that would love to have access to this data. We’ve invested years of hard work and large sums of money to get to where we are today.

We are going to protect our investment.


No. We are a captive independent agency. We are independent in the sense that we utilize multiple insurance carriers for our clients.

However, as an agency, we are captive. To work with us, you’ll need to drop appointments with any carrier outside of the ones we contract with (doing so won’t mean you lose your renewals with them).

Remember, we are providing you with new high-quality leads every week, infrastructure, and systems to allow you to make sales each week consistently. All of that comes at no cost to you. That’s why we expect all business written to be with our carriers.

It starts with one week of classroom-style training. You’ll learn how to use our CRM, underwriting, process applications with each carrier, and much more.

The second week you’ll spend the entire time just listening to a successful agent make phone calls.

In the third and fourth weeks, you will be on the phone working on new leads with a coach listening to help you along the way.

No. We decide that.

All 50 states plus DC. Actually, make it 49. Alaska never generates leads. Maybe it’s too cold to have a funeral there, which is why they don’t need final expense insurance. Who knows.

We will help you initially acquire them on our dime. However, you’ll be responsible for keeping them renewed. Most states require a license renewal every two years.