Question 1

What is final expense insurance?

Accepted Answer

Final expense insurance (also called burial insurance or funeral insurance) is a small whole life insurance policy designed to cover end-of-life costs -funeral expenses, medical bills, and other debts. Policies typically range from $5,000 to $25,000. It's one of the fastest-growing segments in life insurance because it meets a universal need and can be sold entirely over the phone. Learn how TPG agents sell final expense.

Question 2

How do I sell insurance from home?

Accepted Answer

To sell insurance from home, you need: (1) A state insurance license (takes 2-3 weeks, costs ~$400-500), (2) A contract with an IMO like The Price Group that provides leads, training, and carrier access, (3) A phone, computer, and internet connection. That's it. No office, no commute, no face-to-face meetings required. At TPG, we specialize in helping people build remote insurance businesses using telesales. Get your insurance license or see how our system works.

Question 3

How much do final expense insurance agents make?

Accepted Answer

Earnings depend entirely on effort, skill, and consistency. Final expense agents are paid commissions on the policies they place, with rates that vary by carrier and product. There are no income guarantees. What we can promise is the system: AI-powered leads, daily live training, proven scripts, and direct mentorship to help you build a real career on your own terms. See how TPG agents build their business.

Question 4

Is selling insurance a good career in 2026?

Accepted Answer

Yes. Insurance sales remains one of the best careers for people without degrees or connections. Why: (1) Recession-resistant -people always need coverage, (2) Remote work is now standard, (3) Uncapped income potential, (4) Low barrier to entry (just need a license), (5) You can build a sellable business, not just earn commissions. The shift to telesales has made it more accessible than ever. Start your insurance career today.

Question 5

What is an IMO in insurance?

Accepted Answer

An IMO (Insurance Marketing Organization) is a company that connects independent insurance agents with carriers. IMOs provide: higher commission rates than going direct, access to multiple carriers, lead programs, training, and back-office support. Think of an IMO as your business partner -you sell, they handle carrier relationships and admin. The Price Group is an IMO specializing in final expense telesales.

Question 6

What's the difference between an IMO and FMO?

Accepted Answer

IMO (Insurance Marketing Organization) and FMO (Field Marketing Organization) are essentially the same thing -different names for the same business model. Both connect agents with carriers and provide support services. Some companies prefer one term over the other based on region or tradition. The Price Group operates as an IMO.

Question 7

Can you sell life insurance over the phone?

Accepted Answer

Yes. Telesales (phone-based insurance sales) is legal and growing rapidly. Final expense and term life insurance are particularly well-suited for phone sales because: (1) Applications can be completed electronically, (2) No medical exams required for most policies, (3) Clients prefer the convenience, (4) Agents can work from anywhere. At TPG, 100% of our sales are done by phone -no face-to-face required. Learn about our telesales system.

Question 8

How do I start an insurance business with no experience?

Accepted Answer

Starting an insurance business with no experience: (1) Get licensed -takes 2-3 weeks, no experience required, (2) Join an IMO that provides training and leads (like TPG), (3) Complete structured training (our ALS-30 program takes 30 days), (4) Start calling leads and making sales, (5) Reinvest in your skills and eventually build a team. Many of TPG's top earners started with zero sales or insurance background.

Question 9

Is The Price Group legit?

Accepted Answer

Yes. The Price Group is a licensed Insurance Marketing Organization founded in 2018 by David Price. We're headquartered in St. Petersburg, FL and have a 4.9-star Google rating. We've generated $100M+ in total production with agents in all 50 states. David Price is a Forbes Business Council contributor and is actively involved in daily training. We provide AI-powered leads with competitive pricing, daily training, and proven systems -your only upfront investment is your license (which we reimburse after 3 sales). Learn more about TPG.

Question 10

Who is David Price?

Accepted Answer

David Price is the founder and CEO of The Price Group. He entered the insurance industry in 2018 with no experience and became one of the fastest agents to reach $1M+ in personal production (36 months). He founded TPG to help others build real insurance businesses -not just earn commissions. David is a Forbes Business Council contributor with 14+ published articles, has been featured in Authority Magazine, VoyageLA, and major podcasts. He's actively involved in daily training and accessible to agents. Meet David Price.

Question 11

What is The Price Group?

Accepted Answer

The Price Group (TPG) is an Insurance Marketing Organization (IMO) founded in 2018 by David Price. We help people build sellable insurance businesses from home using AI-powered leads, daily live training, and a people-first culture. We've generated $100M+ in production with agents nationwide.

Question 12

How much does it cost to join TPG?

Accepted Answer

There are no monthly charges or hidden costs to join TPG. Your only investment is getting your state insurance license (approximately $400-500), which we reimburse after your first 3 sales.

Question 13

Do I need sales or insurance experience?

Accepted Answer

No experience required. Many of our most successful agents started with zero insurance or sales background. Our TPG Agent Launch System (ALS-30) program is specifically designed to take complete beginners from licensed to profitable in 30 days. If you're coachable and motivated, you can succeed.

Question 14

How do I apply to join TPG?

Accepted Answer

Click 'Apply Now' anywhere on our website. The application takes about 5 minutes to complete. We'll review it within 24 hours and contact you within 48 hours to discuss next steps.

Question 15

What happens after I apply?

Accepted Answer

After you apply: (1) We review your application within 24 hours, (2) We'll call or email you within 48 hours, (3) Background check and approval process (first week), (4) Onboarding and training begins once you're licensed.

Question 16

Is The Price Group an MLM or network marketing company?

Accepted Answer

No. The Price Group is a licensed Insurance Marketing Organization (IMO). You earn commissions directly from the insurance policies you sell -not from recruiting other agents.

You'll hold a real state insurance license, work with A-rated carriers, and get paid for helping families protect themselves. No inventory, no downline requirements, no recruitment quotas. If you never recruit a single person, you can still build a full-time career.

Some agents do choose to build teams and earn overrides -but it's completely optional, not the business model.

Question 17

Can I do this part-time while keeping my current job?

Accepted Answer

Yes. Many agents start part-time (20+ hours/week, evenings/weekends) while keeping their job. You set the pace, work the system, and transition to full-time when you're ready. There are no income guarantees, results depend on your effort and consistency.

Question 18

Do I need to be licensed before I apply to TPG?

Accepted Answer

No. You can apply to TPG before getting licensed. Once approved, we'll guide you through the entire licensing process. Many agents apply first, then get licensed while their application is being processed.

Question 19

How long does it take to get an insurance license?

Accepted Answer

Timeline varies by state, but typically 2-3 weeks total. With JustInsurance ($149), you can complete the coursework in 7 days. Then schedule your exam, pass it, and submit your application. Most states issue licenses within 1-2 weeks of passing the exam.

Question 20

How much does licensing cost?

Accepted Answer

Total cost is approximately $400-500 including: Pre-licensing course ($149), Exam fee ($50-150 depending on state), License application fee ($50-150), Background check/fingerprinting ($40-80 in some states). TPG reimburses 100% of licensing costs after your first 3 sales.

Question 21

What states can I get licensed in?

Accepted Answer

You can get licensed in any state. Most agents start with their home state (resident license), then add non-resident licenses for other states. TPG helps with multi-state licensing strategy and paperwork.

Question 22

Is the licensing exam hard?

Accepted Answer

The exam is straightforward if you study. JustInsurance has a 90%+ pass rate. Study consistently (1-2 hours per day) for the course duration and you'll be well-prepared. Most agents pass on their first attempt.

Question 23

What's included in JustInsurance ($149)?

Accepted Answer

JustInsurance is state-approved and includes all required hours for your state. You get: Video lessons covering all exam topics, Practice quizzes and exams, Study guides and resources, Exam prep materials, Support if you have questions. Complete it in 7 days at your own pace.

Question 24

Which states require the most pre-licensing hours?

Accepted Answer

California requires the most (52 hours). Most states require 20-40 hours. Arizona and a few others require 0 hours - you can go straight to the exam. JustInsurance covers requirements for all states.

Question 25

What is ALS-30?

Accepted Answer

ALS-30 is our Agent Launch System - a 30-day intensive training program that takes you from newly licensed to making consistent sales. It includes daily live training, VCC (Virtual Call Center) access, proven scripts, role-playing, one-on-one mentorship, and ongoing support. You're never left to figure it out alone.

Question 26

How does daily training work?

Accepted Answer

We have live training sessions Monday through Friday covering final expense sales strategies, phone scripts, NEPQ methodology, objection handling, product knowledge, and CRM training. Training sessions are recorded if you miss one, but live attendance is strongly encouraged. Plus you have access to our VCC (Virtual Call Center) where you can dial alongside other agents and get real-time help during extended hours.

Question 27

Will I have a personal mentor?

Accepted Answer

Yes. You'll be assigned a mentor who's a successful producer. They'll listen to your recorded calls, provide feedback, answer questions, and help you overcome challenges. Plus you have immediate support in the VCC (Virtual Call Center) whenever you need it. Weekly check-ins keep you on track.

Question 28

What if I'm struggling or not making sales?

Accepted Answer

Reach out immediately. We have daily support available - call your mentor, jump in the VCC (Virtual Call Center) for real-time help, reach out to leadership, or ask in our agent community. No one gets left behind if they're putting in effort. We'll work through issues together until you break through.

Question 29

Do you provide scripts?

Accepted Answer

Yes. We provide proven phone scripts for: Opening calls with every prospect scenario, Presenting coverage options, Handling common objections, Closing sales, Following up with prospects. Plus recorded call examples from top producers showing exactly how to use the scripts.

Question 30

Is training only for the first 30 days?

Accepted Answer

No. ALS-30 is your launch, but training continues indefinitely. We have weekly coaching calls, advanced training sessions, new product updates, quarterly events, and ongoing mentorship. Successful agents never stop learning.

Question 31

What is the VCC (Virtual Call Center)?

Accepted Answer

Our VCC is a live Zoom room where agents work together in real-time during extended hours. You can dial alongside other agents, listen to live calls from experienced producers, get instant help when you're stuck on a call, and ask questions. It's like having a physical call center, but from home. VCC sessions are LIVE ONLY (not recorded) - it's all about real-time collaboration and support. You're never dialing alone.

Question 32

When is the VCC open?

Accepted Answer

The VCC operates during extended hours to accommodate agents working different schedules. Jump in anytime during operational hours to work with the team. Sessions are live only and not recorded. It's completely optional but highly recommended -agents who use the VCC consistently report faster learning and better results.

Question 33

How does the lead system work?

Accepted Answer

You'll have access to TPG's AI-powered lead system. Fresh, data-enriched leads are delivered to your CRM dashboard daily. Our AI technology identifies qualified prospects, verifies contact information, and flags high-intent buyers. You simply log in, see your leads, and start calling.

Question 34

Are leads shared with other agents?

Accepted Answer

No. You have access to exclusive lead flow through our proprietary system. You're not competing with dozens of other agents calling the same prospects. This means higher contact rates and better customer experience.

Question 35

How many calls do I need to make per day?

Accepted Answer

This is a volume business. Success requires consistent daily calling: Part-time (20 hrs/week): 100-150 calls/day for 4-6 sales/week, Full-time (40 hrs/week): 250-350 calls/day for 10-16 sales/week. More calls = more conversations = more sales. There's no way around the volume requirement.

Question 36

What's the contact rate on leads?

Accepted Answer

With TPG's AI-powered leads, expect 20-30% contact rate (vs 10-15% industry average for traditional leads). Better data quality means more actual conversations and less time wasted on bad numbers.

Question 37

What insurance products do I sell?

Accepted Answer

Primarily final expense (burial insurance) and life insurance. These products: Sell well over the phone (no face-to-face needed), Pay competitive commissions, Meet a real need (protect families), Are straightforward to explain. We provide access to multiple A-rated carriers.

Question 38

Do I have to do face-to-face sales?

Accepted Answer

No. Everything is done by phone (telesales). You never need to leave your home or meet clients in person. This is pure remote work.

Question 39

How long does it take to make a sale?

Accepted Answer

Average call time for a completed sale is 20-30 minutes. Some sales happen on the first call, others require 2-3 follow-ups. Most agents make their first sale within 2 weeks of starting to dial.

Question 40

How much can I realistically earn?

Accepted Answer

Income varies based on effort and consistency. Results depend on call volume, skill development, and commitment. This is not a get-rich-quick opportunity - success requires consistent daily work and following the proven system.

Question 41

How do commissions work?

Accepted Answer

You earn commissions on every policy you sell. Commission structure: Rates vary by carrier and product, Paid as advance (upfront), not over time, Commissions paid directly by insurance carriers, Not paid by TPG. Renewal income begins in month 13 and beyond on policies that stay in force.

Question 42

When do I get paid?

Accepted Answer

Commissions are paid by the insurance carrier, typically 2-4 weeks after a policy is issued. Timeline: Sell policy today, Policy issues in 3-7 days, Commission paid 2-4 weeks later. Most carriers pay via direct deposit.

Question 43

How are commissions calculated?

Accepted Answer

Commissions are a percentage of the policy's annual premium, paid by the carrier. The exact rate depends on the carrier, product, and your contract level. Larger premiums generate larger commissions. There are no income guarantees, what you earn depends on the policies you place and your activity level.

Question 44

Is this W-2 employment or 1099 contractor?

Accepted Answer

1099 contractor (self-employed). You're an independent agent, not an employee. This means: You set your own schedule, You're building YOUR business, No taxes withheld (you handle quarterly estimates), Flexibility and freedom, Potential to build equity and scale.

Question 45

Do I pay for leads?

Accepted Answer

Yes, leads range from $5 to $45 per lead depending on type, exclusivity level, and age. Unlike many IMOs, our AI-powered leads are data-enriched with verified contact info and buying signals, so you get higher contact rates and better ROI on every dollar spent.

Question 46

What's the income potential long-term?

Accepted Answer

Long-term potential depends on your goals, work ethic, and consistency. Some agents focus on personal production and build a strong individual career. Others (optionally) build agencies and scale further. We provide the system, training, and support, your results depend on what you put in. We do not make income guarantees.

Question 47

Can I work from anywhere?

Accepted Answer

Yes. TPG is 100% remote. Work from: Your home, A coffee shop, The beach, While traveling, Anywhere with internet and cell service. We have agents nationwide. True location freedom.

Question 48

What equipment do I need?

Accepted Answer

Minimal setup required: Computer or laptop, Reliable internet connection (10mbps minimum), Cell phone (no special headset needed), Quiet workspace for calls. That's it. Total investment: Under $1,000 if you need to buy a laptop.

Question 49

What about CRM and sales tools?

Accepted Answer

TPG provides: CRM system (web-based, mobile-accessible), Lead management platform, E-application software, Carrier quoting tools, Training portal. These tools are included with your TPG partnership.

Question 50

Do I need a dedicated phone line?

Accepted Answer

No. Your personal cell phone works fine. No need for special equipment or VOIP systems. Just make calls from your regular phone.

Question 51

Can I sell in multiple states?

Accepted Answer

Yes. Strategy: Start with your resident (home) state license, Make sales and build confidence, Add non-resident licenses for high-population states, Eventually cover 5-10 states for maximum opportunity. TPG helps with non-resident licensing paperwork.

Question 52

What are the working hours?

Accepted Answer

You set your own schedule. Best times to call prospects: 9am-12pm and 4pm-8pm (local time to prospect). Most agents work: Monday-Friday, Some evenings, Occasional Saturdays, 20-40 hours per week depending on part-time or full-time goals.

Question 53

Is there a dress code?

Accepted Answer

No. You're working from home on the phone. Wear whatever you want. Pajamas are fine (though getting dressed often helps mindset).

Question 54

Who founded The Price Group?

Accepted Answer

David Price founded TPG in 2018. David went from personal struggles (including jail time) to building an 8-figure insurance business. He created TPG to help others build real, sellable businesses with a people-first culture. David is actively involved in the company and available to agents daily.

Question 55

Where is TPG located?

Accepted Answer

TPG is headquartered in St. Petersburg, Florida, but we're 100% remote. There's no physical office you need to visit. Everything is done virtually.

Question 56

How many agents does TPG have?

Accepted Answer

We have hundreds of active agents nationwide. We're growing rapidly but maintain our family culture and personal support model.

Question 57

What's TPG's company culture like?

Accepted Answer

People-first culture: 4.9-star Google rating, Family atmosphere (not corporate), Leadership genuinely cares about agent success, Low turnover (agents stay because they love it), Celebrate wins together, Open communication and transparency.

Question 58

Can I build a team at TPG?

Accepted Answer

Yes, team building is 100% optional but fully supported. Once you've proven yourself as a producer, you can unlock our exclusive Agency Accelerator program, TPG's advanced training system for recruiting, training, and scaling your own agency. Agency Accelerator gives you: Personal production commissions, Override commissions on team sales, Proprietary systems to onboard and train new agents, A path to building a sellable agency you own. Results vary based on effort and leadership, there are no income guarantees.

Question 59

What makes TPG different from other IMOs?

Accepted Answer

Six key differentiators: (1) AI-powered lead system (not traditional aged leads), (2) Daily live training (not just recordings), (3) People-first culture (4.9-star rating), (4) Direct access to CEO (unusual for IMOs), (5) Build equity (not just commissions), (6) Proven ALS30 system (hundreds of success stories).

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