Chart your own path.
Protect families.
Build real wealth.
Pioneer United backs independent agents with premium leads, industry-leading commissions, and a book you actually own — all from home.
Empowering the next generation of life insurance professionals — and the families they protect.
We built Pioneer United for the agent who's tired of captive contracts, recycled leads, and managers who've never made a sale. Here you get the tools, the mentorship, and the ownership to build something that's actually yours.
Everything you need to write business from day one.
Most agencies hand you a login and wish you luck. We hand you a system.
Premium Leads
Real-time and aged leads delivered straight to your dialer. No buying your own, no cold-calling from a phone book.
Top Commissions
Industry-leading comp levels, paid fast. You produce, you get paid — no games, no clawback traps.
Own Your Book
Your clients are yours — vested from day one. Walk away whenever you want and the book comes with you.
Real Mentorship
Learn from producers who are still in the field this week — not a manager reading off a decade-old script.
Work Remote
Run your business from home on your own hours. All you need is a laptop, a headset, and the drive to close.
Tech Edge
AI-assisted dialing, a CRM that follows up for you, and automation that keeps your pipeline full while you sleep.
From application to first commission in days, not months.
Apply
Two minutes. Tell us who you are and where you're licensed — or that you're not yet. Either works.
Interview
A straight 20-minute call. We see if you're a fit, you see exactly how the money works. No pressure, no pitch.
Get Contracted
Carrier appointments, leads, mentorship, and your dialer — set up and writing business fast.
Every lead has a home the moment it comes in.
No guesswork, no lead going cold in a queue — the system routes it to the right channel and dialer automatically.
FEX / surveys
Final expense survey leads
SMS FEX
Final expense via text
Inbounds
Incoming calls
High intent
Routes to 4 verticals
Vets
Veteran leads
Truckers
Trucker leads
Mortgage protection
Homeowner leads
IUL
Indexed universal life
The difference between renting a desk and building an empire.
What could you write at Pioneer United?
Drag the sliders. It's commission — your income follows your effort, not a salary cap.
Illustration only. Based on a representative first-year commission rate; your actual comp is set on your contract and income varies with your own results. Not a guarantee of earnings.
Agents who bet on themselves — and won.
Came in with zero insurance experience. Ninety days later I had my best month ever and a book that's mine. The leads and the mentorship are the real deal.
I left a captive shop where I didn't own a thing. Here I keep my clients and my comp doubled. Wish I'd made the jump years ago.
Fully remote, my own hours, and I'm out-earning what I made in an office grinding 60-hour weeks. Pioneer United actually gives you the tools to win.
Questions before you apply.
No experience needed — we train you from scratch. If you're not licensed yet, we'll walk you through getting licensed in your state. Plenty of our top agents started with zero background in insurance.
It's commission — your income tracks your effort. Motivated agents working the leads we provide write consistent business their first month. There's no cap and no ceiling on what you build.
Yes. Real-time and aged leads flow straight into your dialer — final expense, mortgage protection, IUL, and more. You're working interested prospects, not cold numbers.
There's no fee to become a Pioneer United agent. Your only investments are your licensing costs (if you're not licensed yet) and the leads you choose to run. We'll lay out every number on your interview call.
100%. You run your business from wherever you are. No office, no commute, no clock to punch — just you, your laptop, and your pipeline.
Completely, and vested from day one. Your clients and your renewals belong to you. If you ever decide to leave, your book leaves with you — that's the whole point of going independent.