FAQ
If your question is not listed below, feel free to contact us at avalanchefinancialservices@gmail.com
Do I need a License to Apply?
No, you do not need to be licensed to apply. We welcome motivated individuals who are new to the industry and ready to learn. If you’re not yet licensed, we’ll guide you step-by-step through the process of obtaining your state Life & Health Insurance License. As part of our commitment to your success, Avalanche Financial Services will cover the cost of your pre-licensing course through one of our approved education partners. You’ll receive access to online training, exam prep materials, and full support to help you pass your licensing exam quickly and confidently. Once licensed, you can immediately begin contracting and working with clients.
Is this a Remote or in-person position?
This position is primarily remote, giving you the flexibility to work from anywhere with a phone, internet connection, and the drive to succeed. However, while in-person work is not required, we highly recommend working from one of our office locations if you’re near one. In our experience, agents who choose to work in our office environment benefit from stronger team collaboration, live coaching, faster development, and higher productivity. We've consistently seen that those who plug into our in-person culture tend to be significantly more successful. Whether remote or onsite, you’ll receive full support—but we strongly encourage agents to take advantage of the resources and energy found in our office settings whenever possible.
is this a salaried position or commission only?
This is a 100% commission-based, 1099 independent contractor position—meaning you are not an employee, but a self-employed professional running your own business under our platform. There is no base salary, but your earning potential is uncapped. We provide a clear pathway to advance your commission level up to 130%, along with access to performance-based bonuses, equity ownership opportunities, and profit-sharing programs for qualified agents and builders. You’ll have the freedom to control your schedule, scale your income, and build your own agency if desired—all while leveraging our proven system, leads, and support. This opportunity is ideal for motivated individuals seeking financial independence and entrepreneurial growth.
Is Avalanche a MLM?
No, Avalanche Financial Services is not a multi-level marketing (MLM) company. While we do encourage team building and offer a proven system for those who want to grow an agency, there is absolutely no requirement to recruit others in order to earn income or advance. Your full earning potential—up to 125% commission, performance bonuses, and long-term residual income—can be achieved through personal production alone. Unlike MLMs that rely on downline volume to create value, we are a sales- and service-driven organization focused on helping agents succeed through real client interactions, strong lead systems, and professional development. Team building is optional and offered only to those who choose to take that leadership path.
Are leads provided or do I have to find my own clients?
You do not have to cold call, chase friends and family, or hunt down your own clients. At Avalanche Financial Services, we provide access to multiple proven and vetted lead generation systems—including direct mail leads, digital leads, pre-set appointments, and live inbound calls from interested prospects. These systems have all been tested and approved by our leadership team, ensuring quality and consistency.
As an independent agent, you choose the lead system that best fits your goals and budget, and you pay only for the leads you want to work. However, we source and deliver all leads directly to you, so you're never left trying to generate your own business from scratch.
In addition, we provide comprehensive training, scripts, and sales coaching to help you succeed with any lead type. Whether you're taking inbound calls, preset appointments, or working virtually, we’ll make sure you’re fully prepared to close with confidence. Our system is built to let you focus on serving families—not searching for them.
Are there leadership opportunities or incentive programs?
Avalanche Financial Services offers a wide range of leadership opportunities and incentive programs for agents who want to grow beyond personal production. Once you’ve established yourself, you can step into leadership through our mentorship and agency growth programs, where you’ll receive structured support to build and manage a team of agents under you.
As you grow your team, you’ll earn override commissions on your agency’s production, plus access to profit-sharing opportunities and equity ownership programs for qualified leaders. We reward growth with performance-based bonuses and support those ready to scale with new office startup assistance, including training systems, recruiting tools, and operational guidance to launch and run your own local agency.
Leadership at Avalanche isn’t just about titles — it’s about building something real and lasting. Whether you want to mentor a few agents or lead a large organization, we have the infrastructure, compensation, and resources to help you do it successfully.
What support do I receive as an agent?
At Avalanche Financial Services, we pride ourselves on offering one of the most comprehensive support systems in the industry—so you’re never building your business alone. From day one, you’ll have access to everything you need to succeed, whether you're brand new to insurance or a seasoned professional looking to scale.
We provide an advanced CRM and dialer system, a fully integrated business phone platform, and access to powerful tools that streamline your day-to-day operations. Our backend team handles all carrier contracting, application processing, and support, so you can focus on selling and serving families. You’ll also have access to health grids, prequalification tools, and instant approval products that simplify your client interactions and close sales faster.
Your agent dashboard includes a full Agent Hub—a centralized resource center packed with scripts, recorded trainings, sales videos, external programs, live updates, marketing materials, and everything else you need to run your business at a high level.
On top of the technology and tools, you’ll benefit from our hands-on mentorship programs and a collaborative team environment. You’ll receive one-on-one coaching from top producers, participate in team calls and live workshops, and have constant access to leadership for guidance, questions, and accountability. Whether you're working remotely or from one of our offices, you’ll always be plugged into a network of people who are invested in your growth.
In short, Avalanche equips you with cutting-edge systems, real-world training, expert mentorship, and full back-office support—so you can build your business with confidence and consistency.
Can I build a team or become an agency owner?
Yes—not only can you build a team, but we fully encourage and support agents who want to grow into full agency ownership. Avalanche Financial Services offers a clearly defined pathway for team builders, with robust infrastructure designed to help you recruit, develop, and scale effectively.
We provide extensive team-building support, including professional recruiting aids, customizable marketing materials, interview scripts, onboarding systems, and social media guidance to help you attract and engage high-quality agents. You’ll also have access to a mentorship framework, allowing you to coach new agents using our proven training system—while we handle backend licensing, onboarding, and contracting for your team.
As your agency grows, Avalanche will support you in opening a physical office, whether through renting or purchasing space. If your agency reaches a qualifying production level, the company can assist with financial and operational support for launching a branded office location.
Best of all, you and your agents will continue to use the full suite of Avalanche tools, including our CRM, dialer, scripts, agent hub, instant approvals, and back-office support—ensuring you never have to reinvent the wheel as you scale.
Once you reach the Agency Owner level, your compensation structure evolves: your top-performing agents will begin matching your commission level, and instead of override commissions, you’ll benefit from profit-sharing—allowing you to build long-term income through a more sustainable and performance-driven model while at the same time offering higher commissions to your agents.
In short, Avalanche is designed for builders. Whether you want to mentor a few agents or build a nationwide organization, you’ll have the tools, support, and compensation to make it a reality.
Are there any fees to join or work with your agency?
We do not charge any direct fees to join Avalanche Financial Services. There are no startup costs, membership dues, or hidden onboarding charges. Outside of standard state licensing requirements. However, there are a couple of optional business expenses that agents may choose to take on, depending on how they want to build their business.
We offer access to powerful, proven lead generation systems and professional sales tools—including an industry-leading CRM and integrated dialer. If you choose to use our CRM and dialer system, there is a monthly Dialer Fee, and if you opt into our vetted lead programs, you’ll pay Lead Fees based on the type and volume of leads you want to receive. These costs are 100% tax-deductible as business expenses.
Importantly, these tools are optional. Agents are free to go completely solo and generate their own leads, build their book of business independently, and work without our lead or tech systems. That said, we highly advise against taking the solo route—our data shows that agents who plug into our lead systems see exponentially higher ROI, faster ramp-up time, and significantly more income over time.
In short, while you are never required to purchase leads or pay platform fees, we provide powerful tools that help serious agents operate like professionals and scale like leaders—and the results speak for themselves.