The last business you’ll ever need to build — ownership, cash flow, and a real exit.
Is this you?
Does Your Sales Career Feel More Like a Grind Than an Opportunity?
Spending hours knocking doors or cold calling strangers with no results.
Spending hours knocking doors or cold calling strangers with no results.
Spending hours knocking doors or cold calling strangers with no results.
Watching your commissions shrink under bad contracts and roll-up debt.
Watching your commissions shrink under bad contracts and roll-up debt.
Watching your commissions shrink under bad contracts and roll-up debt.
Waiting weeks — sometimes months — to get paid what you earned.
Waiting weeks — sometimes months — to get paid what you earned.
Waiting weeks — sometimes months — to get paid what you earned.
Realizing you don’t actually own your book of business.
Realizing you don’t actually own your book of business.
Realizing you don’t actually own your book of business.
Feeling capped with no real exit strategy, no matter how hard you grind.
Feeling capped with no real exit strategy, no matter how hard you grind.
Feeling capped with no real exit strategy, no matter how hard you grind.
Tired of chasing recycled “free leads” that have already been hammered?
Tired of chasing recycled “free leads” that have already been hammered?
Tired of chasing recycled “free leads” that have already been hammered?
sounds familiar?
Introducing Kumquat Life
The A-to-Z System for High-Income Insurance Agents
Get Ahead
Get Ahead
Get Ahead
Introducing the cleanest, most scalable business model for sales professionals.
Building your insurance career with Kumquat Life unlocks a new wave of opportunities that blend ownership, cash flow, and freedom.
Life Insurance Agent
Life Insurance Agent
Life Insurance Agent
Life Insurance Agent
Life Insurance Agent
Life Insurance Agent
Agent Support Hub
Access free leads, live training, and day-one mentorship that saves you months of trial and error.
Agent Support Hub
Access free leads, live training, and day-one mentorship that saves you months of trial and error.
Agent Support Hub
Access free leads, live training, and day-one mentorship that saves you months of trial and error.
Advanced Compensation
Earn top-tier commissions and get paid within 24–72 hours by A-rated carriers. Scale your income as fast as you want with no caps.
Advanced Compensation
Earn top-tier commissions and get paid within 24–72 hours by A-rated carriers. Scale your income as fast as you want with no caps.
Advanced Compensation
Earn top-tier commissions and get paid within 24–72 hours by A-rated carriers. Scale your income as fast as you want with no caps.
Ownership & Exit
Build residual income with Day-1 vesting, own your book of business, and attach it to Kumquat Life’s future exit for a real cash-out opportunity.
Ownership & Exit
Build residual income with Day-1 vesting, own your book of business, and attach it to Kumquat Life’s future exit for a real cash-out opportunity.
Ownership & Exit
Build residual income with Day-1 vesting, own your book of business, and attach it to Kumquat Life’s future exit for a real cash-out opportunity.
“Door-to-door grind is over. With Kumquat, I’m virtual, comfortable, and already at 6x ROI.”
Nacho
Virtual Sales
“Door-to-door grind is over. With Kumquat, I’m virtual, comfortable, and already at 6x ROI.”
Nacho
Virtual Sales
“Door-to-door grind is over. With Kumquat, I’m virtual, comfortable, and already at 6x ROI.”
Nacho
Virtual Sales
Kumquat Life Overview
Everything starts with getting you Licensed in this space.
Pre-Licensing Kickoff
Week 01
01
Introduction to the Licensing Process — How to pass your state exam the first time
02
Navigating Pre-Licensing Materials — Flashcards, practice tests, and study guides
03
State Requirements Explained — Understanding timelines, rules, and restrictions
04
Setting Up for Success — Time management & accountability to finish in 7–10 days
05
Your First Step Into Sales — What to expect once your license is active
Insurance Fundamentals
Week 02
01
Life Insurance Basics — Term, Whole, Universal explained
02
Carrier Landscape — Who we partner with and why
03
Policy Structures — How products fit client needs
04
Compliance & Ethics — Protecting your license and your client
05
Setting Up Your Contracts — Fast-tracking your first carrier approvals
Lead Generation Mastery
Week 03
01
How Lead Vendors Work — Understanding sources and pricing
02
Free vs. Premium Leads — When to use each
03
Dialing Scripts — Proven word tracks for calls
04
Working Live Transfers — Handling instant connections
05
CRM & Tracking — Managing pipeline for maximum ROI
Virtual Sales & Closing
Week 04
01
Running Zoom & Phone Appointments — Setup + flow
02
Building Trust Fast — Rapport without a handshake
03
Presentation Structure — Walking through a policy clearly
04
Objection Handling — Common client concerns and responses
05
Closing With Confidence — Asking the right questions to lock it in
Building Residual Income
Week 05
01
Overrides Explained — How team building creates long-term income
02
Recruiting the Right Way — Attracting vs. convincing
03
Agency Structure — Compensation and scaling strategies
04
Training New Agents — Plugging people into Kumquat systems
05
Leadership Development — Growing yourself to grow your team
Ownership & Exit Strategy
Week 06
01
Book of Business — What it means to truly own it
02
Vesting Day 1 — Why this changes everything
03
Residual Income Math — Understanding lifetime client value
04
Exit Opportunities — How books sell at a multiple
05
Designing Your Future — Cash flow, legacy, and freedom
Pre-Licensing Kickoff
Week 01
01
Introduction to the Licensing Process — How to pass your state exam the first time
02
Navigating Pre-Licensing Materials — Flashcards, practice tests, and study guides
03
State Requirements Explained — Understanding timelines, rules, and restrictions
04
Setting Up for Success — Time management & accountability to finish in 7–10 days
05
Your First Step Into Sales — What to expect once your license is active
Insurance Fundamentals
Week 02
01
Life Insurance Basics — Term, Whole, Universal explained
02
Carrier Landscape — Who we partner with and why
03
Policy Structures — How products fit client needs
04
Compliance & Ethics — Protecting your license and your client
05
Setting Up Your Contracts — Fast-tracking your first carrier approvals
Lead Generation Mastery
Week 03
01
How Lead Vendors Work — Understanding sources and pricing
02
Free vs. Premium Leads — When to use each
03
Dialing Scripts — Proven word tracks for calls
04
Working Live Transfers — Handling instant connections
05
CRM & Tracking — Managing pipeline for maximum ROI
Virtual Sales & Closing
Week 04
01
Running Zoom & Phone Appointments — Setup + flow
02
Building Trust Fast — Rapport without a handshake
03
Presentation Structure — Walking through a policy clearly
04
Objection Handling — Common client concerns and responses
05
Closing With Confidence — Asking the right questions to lock it in
Building Residual Income
Week 05
01
Overrides Explained — How team building creates long-term income
02
Recruiting the Right Way — Attracting vs. convincing
03
Agency Structure — Compensation and scaling strategies
04
Training New Agents — Plugging people into Kumquat systems
05
Leadership Development — Growing yourself to grow your team
Ownership & Exit Strategy
Week 06
01
Book of Business — What it means to truly own it
02
Vesting Day 1 — Why this changes everything
03
Residual Income Math — Understanding lifetime client value
04
Exit Opportunities — How books sell at a multiple
05
Designing Your Future — Cash flow, legacy, and freedom
Pre-Licensing Kickoff
Week 01
01
Introduction to the Licensing Process — How to pass your state exam the first time
02
Navigating Pre-Licensing Materials — Flashcards, practice tests, and study guides
03
State Requirements Explained — Understanding timelines, rules, and restrictions
04
Setting Up for Success — Time management & accountability to finish in 7–10 days
05
Your First Step Into Sales — What to expect once your license is active
Insurance Fundamentals
Week 02
01
Life Insurance Basics — Term, Whole, Universal explained
02
Carrier Landscape — Who we partner with and why
03
Policy Structures — How products fit client needs
04
Compliance & Ethics — Protecting your license and your client
05
Setting Up Your Contracts — Fast-tracking your first carrier approvals
Lead Generation Mastery
Week 03
01
How Lead Vendors Work — Understanding sources and pricing
02
Free vs. Premium Leads — When to use each
03
Dialing Scripts — Proven word tracks for calls
04
Working Live Transfers — Handling instant connections
05
CRM & Tracking — Managing pipeline for maximum ROI
Virtual Sales & Closing
Week 04
01
Running Zoom & Phone Appointments — Setup + flow
02
Building Trust Fast — Rapport without a handshake
03
Presentation Structure — Walking through a policy clearly
04
Objection Handling — Common client concerns and responses
05
Closing With Confidence — Asking the right questions to lock it in
Building Residual Income
Week 05
01
Overrides Explained — How team building creates long-term income
02
Recruiting the Right Way — Attracting vs. convincing
03
Agency Structure — Compensation and scaling strategies
04
Training New Agents — Plugging people into Kumquat systems
05
Leadership Development — Growing yourself to grow your team
Ownership & Exit Strategy
Week 06
01
Book of Business — What it means to truly own it
02
Vesting Day 1 — Why this changes everything
03
Residual Income Math — Understanding lifetime client value
04
Exit Opportunities — How books sell at a multiple
05
Designing Your Future — Cash flow, legacy, and freedom
30 day enrollment program
30 day enrollment program
30 day enrollment program
Join Kumquat Life
Beginner Friendly
40+ Hours
Completion Certificate
Full lifetime access
A QUICK OVERVIEW OF THE COURSE
Instant access to the full 6-week curriculum
Instant access to the full 6-week curriculum
Instant access to the full 6-week curriculum
Weekly mentorship with 7-figure producers
Weekly mentorship with 7-figure producers
Weekly mentorship with 7-figure producers
Daily Live Zooms
Daily Live Zooms
Daily Live Zooms
Your Path Towards Success
Your Path Towards Success
Your Path Towards Success
Try It
Just some of our Partners (we have 30+ btw)
Why Should You Consider Us?
Kumquat Vs Other IMO's
Is this for you?
This Opportunity Is a Perfect Fit If You’re Ready to…
THIS IS FOR YOU IF:
Ready to move from door-to-door into virtual sales
Ready to move from door-to-door into virtual sales
Ready to move from door-to-door into virtual sales
Want ownership and residual income
Want ownership and residual income
Want ownership and residual income
Hungry to build a business, not a job
Hungry to build a business, not a job
Hungry to build a business, not a job
Looking for top-tier leads and real support
Looking for top-tier leads and real support
Looking for top-tier leads and real support
Serious about long-term success and freedom
Serious about long-term success and freedom
Serious about long-term success and freedom
THIS IS NOT FOR YOU IF:
Want handouts or “free leads” forever
Want handouts or “free leads” forever
Want handouts or “free leads” forever
Okay with staying capped while others get rich
Okay with staying capped while others get rich
Okay with staying capped while others get rich
Hate structure, training, and accountability
Hate structure, training, and accountability
Hate structure, training, and accountability
Prefer hype over proven systems
Prefer hype over proven systems
Prefer hype over proven systems
Treat this like a side hustle, not a business
Treat this like a side hustle, not a business
Treat this like a side hustle, not a business
Join Our Community
Join an Exclusive Network of Life Insurance Leaders
Join our private Discord to access real discussions, mentorship, proven scripts, and recruiting strategies you won’t find on Instagram or any public forum.
FAQ
Frequently Asked Questions
Most new agents dedicate 10–15 hours a week while getting licensed and learning the system. Full-time agents often scale much faster, but you can start part-time and grow into it.
No — many of our top agents came from door-to-door, retail, or zero sales background. If you’re coachable and hungry, our training systems will do the rest.
At Kumquat Life you own your book of business from Day 1, earn top compensation, and get access to live training + quality leads. No politics. No roll-up debt. Just ownership and support.
Yes. You’re independent. You set your own schedule, and you’re never penalized for taking time off. Your book of business is yours.
Yes. You can write policies from anywhere in the U.S. with just a laptop, Wi-Fi, and a phone.
The last business you’ll ever need to build — ownership, cash flow, and a real exit.
© 2025 Kumquat Life.
All Rights reserved. Built By @bryanxrivera
The last business you’ll ever need to build — ownership, cash flow, and a real exit.
© 2025 Kumquat Life.
All Rights reserved.
Built By @bryanxrivera
The last business you’ll ever need to build — ownership, cash flow, and a real exit.
© 2025 Kumquat Life.
All Rights reserved. Built By @bryanxrivera