Get licensed and get selling
We'll point you to licensing, set you up with scripts and leads, and stay with you through your first sales.
- Discounted licensing course
- Step-by-step onboarding
- Shadowing and live call help
Now hiring licensed & new agents
Build an agency,not just a book.
Legacy Protection Group gives life insurance and annuity agents the systems most agencies make you build yourself: leads, a dialer and CRM, multiple carrier contracts, real training and a clear path to running your own team.
Independent agency · Work remotely · Licensed or not yet licensed
Who it's for
Wherever you're starting, there's a seat for you.
Most places hand you a contract and wish you luck. We give you the tools and support to actually produce, then help you grow from there.
More options, fewer headaches
Already selling? Plug into better carrier access, lead programs and a system that keeps your pipeline full.
- Multiple carrier contracts
- Lead and dialer access
- Advanced IUL case design
Grow your own team
Ready to lead? Recruit, train and manage agents with systems that are already built and proven.
- Recruiting support
- Team training resources
- Leadership mentorship
Our systems
From first dial to paid deal, it's already built.
Every agent plugs into the same process. You focus on talking to people. The systems handle the rest.
Leads
Get prospects
Fresh, aged and IUL leads you choose and control.
Dialer
Talk to more people
A power dialer to multiply your daily conversations.
CRM
Never lose a lead
Follow-ups, notes and pipeline tracked in one place.
Quote
Compare carriers
Run quotes and illustrations across multiple carriers.
E-app
Submit the app
Electronic applications, often finished on the same call.
Paid
Issue, paid, repeat
Track policies to issue and keep building your book.
The Legacy Five
Five ways we get new agents producing fast.
- 1
Lead programs
Fresh, aged and IUL leads with no forced minimums, so your first weeks start with real conversations.
- 2
Dialer + CRM
Call more people in less time and track every lead, follow-up and policy in one place.
- 3
Real training
Scripts, objection handling, product breakdowns and case design for life and annuities.
- 4
One-on-one mentorship
Call reviews and honest coaching from leadership that's still in the work every day.
- 5
A clear comp path
Start at 80% contracts and move to 90% and 100% based on your production, not seniority.
What you'll offer
Multiple life and annuity carrier contracts, so you can match every family to the right policy and get more approvals.
IULTerm lifeFinal expenseMortgage protectionFixed & indexed annuitiesLiving benefits
How you get paid
Your pay, explained in one minute.
No jargon. Here's how one policy pays you, and how your percentage goes up as you produce more.
1 How one policy pays you
Client pays
Your level
- Your client buys a policy$1,200a year in premium ($100 a month × 12)
- You earn your contract %$96080% of $1,200 in commission
- Most of it comes up front$720advanced when the policy is issued. The other $240 pays out in months 10–12.
Example uses a 75% advance. You're paid on issued policies, and carrier schedules can vary.
2 How you move up
Hit the production target two months in a row and your percentage goes up on every policy after that.
Start here
Agent
80%You'd earn $960 on the example policyEvery new agent starts at 80%
Level 2
Brokerage Agent
90%You'd earn $1,080 on the example policy$25k IP two months in a row
Level 3
Managing Agent
100%You'd earn $1,200 on the example policy$40k IP two months in a row
3 Two numbers to know
$8k issued (IP)$2k declined or unpaid
You're paid on IP, not AP
Write $10k (AP). If $2k is declined or never pays, you're paid on the $8k that's issued (IP).
0%
Persistency: aim for 80–90%
Of every 10 policies you write, keep 8–9 active. Chargebacks, withdrawals and declines bring it down.
Earnings calculator
See what your production could pay.
Enter the annualized premium you expect to write each month, pick a contract level and see how commissions and persistency play out over your first year.
$
Total annual premium of the policies you submit in a month.
Off: shown at 100% persistency (every policy stays on the books). Turn on to see the effect of chargebacks.
Persistency is the share of policies that stay in force. Policies that lapse in the first year cause chargebacks on advanced commission.
Gross commission
$0
per month of production
Advance (75%)
$0
paid when policies issue
As-earned (25%)
$0
paid in months 10–12
Est. first-year net
$0
at 100% persistency
Your first 12 months (net)AdvanceAs-earnedRunning total
123456789101112
Estimates only, assuming the same production every month, a 9-month advance on 75% of commission and the remaining 25% paid in months 10–12. Persistency reduces net pay for chargebacks. Actual commissions depend on carrier, product, contract level, advance terms and your results. Not a guarantee of earnings.
Getting licensed
From zero to your first sale in five steps.
Not licensed yet? Here's exactly how it works. You'll get our partner discount on the course, and you'll be trained and ready the day your license and contracts come through.
- 1
Take the course
Complete your life pre-licensing course online with XCEL Insurance Training at our partner discount.
- 2
Pass the state exam
Schedule and pass your state's life insurance licensing exam.
- 3
Get fingerprinted
Complete the fingerprinting and background check your state requires.
- 4
Two weeks of training
Train with us on products, scripts and our systems while we wait for your license number and carrier contracts.
- 5
First day selling
License and contracts are in and training is done. You start taking calls and writing business.
About us
Built by an agent, for agents.
Legacy Protection Group is an independent life insurance and annuity agency based in Miami, founded by Aemon O'Connor. He started it with one goal: give driven people the leads, systems, training and contracts to build a real business, without having to figure it all out alone.
Every agent works directly with leadership. The standard is simple: do right by the families we protect, and help every agent on the team grow.
- Founded2026
- OfficeMiami, FL
- FocusLife & annuities
- WorkRemote-friendly
Aemon O'ConnorFounder, Legacy Protection Group
FAQ
Questions agents ask us
Don't see yours? Ask on a call. That's what it's for.
Do I need a license to apply?
No. If you're not licensed yet, start your pre-licensing course through our XCEL partner link for a discount, and we'll help you get contracted once you pass.
Is this a captive agency?
No. We're an independent agency, so you can offer products from multiple carriers and choose what's best for each client.
Can I work remotely?
Yes. Our systems are built for agents selling by phone and video, so you can work from anywhere you're licensed.
Do I have to buy leads?
Lead programs are available but there are no forced minimums. We'll go over lead options and costs on your call.
How do I get paid?
You're paid commissions by the carriers on the policies you write. We'll go over contract levels and how advances work on your call.
What happens after I book a call?
You'll talk with leadership for about 30 minutes over Zoom about your goals and experience. If it's a fit, we'll map out next steps for licensing or contracting.
Apply
Ready to see if we're a fit?
Pick a time that works for you, or send a quick application and we'll reach out within one business day.