Opportunity The XFG Difference Who We Hire FAQ Apply Now
Now Recruiting · 50 States 01 / INTRODUCTION

Built for producers
who refuse to be average.

XFG Financial Group is the independent platform where elite insurance and financial producers build six and seven-figure practices — without the captive ceilings, political games, or quota pressure of traditional firms.

Fully remote — work from anywhere, in any state.

$2.4B+
Coverage In Force
200+
Producers Nationwide
20+
A-Rated Carriers
94%
Year-One Retention
02 / Authority

Numbers that separate us
from the rest of the field.

Our producers aren't chasing average. They're building books that compound — year after year, generation after generation.

4.2x
Income Multiplier
Average income increase for producers who leave a captive carrier for XFG within 12 months.
72
Hours to Contract
From application to fully contracted, appointed, and writing across our carrier stack.
100%
Book Ownership
You build it. You own it. You keep it. No vesting schedules. No non-solicits.
03 / Why Top Performers Choose XFG

Five principles
the industry forgot.

P.01

Leadership
That Actually Produces.

You don't learn from mentors who "used to" produce. You learn from producers who are still in the game — writing eight and nine figures in personal and agency volume every year.

P.02

Growth Without
A Ceiling.

Our compensation ladder starts where most platforms cap out. Top of contract is 120%+ with full override rights as you build your downline — structured to compound, not to cap.

P.03

Trust You Can
Build A Career On.

You own your book. Your data. Your relationships. No vesting schedules. No non-solicits. No hidden clauses designed to trap you when you outgrow the platform.

P.04

Focus On What
Actually Moves Revenue.

Lead systems. CRM. Quoting engines. Compliance. Licensing. All built, all integrated, all handled. You focus on the phone, the call, and the close.

P.05

Legacy That
Outlives You.

Your book is an asset. It can be sold, inherited, or passed to your family. At XFG, we build producers into owners — and owners into legacies.

"We build financial freedom. We build leaders. We build legacy."

04 / The Opportunity

The XFG
Compensation Ladder.

Unlike a captive or a traditional IMO, XFG uses a performance-based ladder that rewards production, leadership, and longevity. Every rung is earned. Nothing is given.

04.1 / STRUCTURE

Choose Your Growth Path

Supported Model

Supported Producer

Plug into a system. Focus on production. Scale income fast.Full accessibility immediately — designed for producers who want to start fast and scale quickly.

  • CRM, dialer, leads, and systems provided
  • No overhead — focus 100% on selling
  • Step-by-step training and onboarding
  • Performance-based promotions
  • Production-first model
Max Compensation Up to 100% Commission
Independent Model

Agency Builder

Build your own agency. Full ownership. Unlimited scale.Available through leadership review for producers ready to build and scale at a high level.

  • Full ownership of your business and book
  • Cover your own overhead and expenses
  • Build and scale your own team
  • Earn overrides across your organization
  • Long-term income through team production and leadership
  • No ceiling on growth
Max Compensation Up to 145% Commission

Built-in infrastructure. Zero overhead to start.

  • Proprietary Training System
    A 14-day immersive onboarding: scripts, objection frameworks, product knowledge, and live call training.
  • Qualified Lead Programs
    Direct-mail, digital, and live-transfer lead systems — subsidized for qualified producers.
  • Licensing & Appointment Support
    Multi-state licensing handled in-house. Full contract stack across 30+ A-rated carriers.
  • Weekly Leadership Mentorship
    Direct access to regional directors and top producers. Private coaching rooms, not generic Zoom calls.
  • CRM & Automation Stack
    Enterprise-grade tech included — quoting engines, pipelines, compliance workflows, and reporting.
05 / The XFG Difference

Captive Agencies vs. XFG. Not a comparison. A gap.

05.1 / SIDE BY SIDE

Traditional Captive

CompensationCapped. Tiered. Limited.
Carrier Access1 carrier, 1 menu
Book OwnershipCompany-owned
Leadership PathPolitical & slow
Lead ProgramsCorporate control
Scaling LimitHit a wall fast
Tech StackLegacy & clunky
Non-CompetesStandard & enforced

XFG Financial Group

CompensationUp to 145%
Carrier Access20+ A-rated carriers
Book Ownership100% yours, forever
Leadership PathPerformance-based, transparent
Lead ProgramsOpen-architecture, subsidized
Scaling LimitBuild a regional agency
Tech StackModern, integrated, included
Non-CompetesNone. Ever.
06 / The Filter

We have a growth path
for everyone.
That's the point.

If you're looking to build a real career, you're hungry, coachable, and ready to outgrow whatever ceiling you're currently under — we would love to have you as a supported producer and help you grow into the goals you want to achieve.

01
You are licensed — or actively pursuing licensure. Life & Health is the minimum. If you're not licensed yet, we'll help you get there — but only if you're committed.
02
You are targeting $10K+/month minimum. Our platform is built for producers who want real income. If that number scares you, you're probably not ready.
03
You are coachable, accountable, and self-driven. We give you the blueprint. We will not carry you. The producers who win here own their results — good or bad.
04
You treat this like a business, not a hobby. Full-time energy, even if part-time hours. We don't build around people looking for a backup plan.
05
You are willing to be held to a higher standard. Our culture is built on integrity, execution, and excellence. If that sounds like pressure, good. It should.
07 / Proof

The producers
already inside.

07.1 / VOICES
"

I came to XFG as a mid-tier producer at a captive. Eighteen months later I've 4x'd my income and built a team of nine. The ceiling I hit for five years doesn't exist here.

MT
Marcus T.
Regional Director · Texas
"

The difference is the mentorship. I'm not on a 500-person Zoom. I'm on a call with a producer who did $2M last year, breaking down my exact week. That's unheard of.

DR
Danielle R.
Agency Owner · Florida
"

I got licensed through XFG's program. Month four I wrote $38K in AP. Month six I was training two new agents on my team. The system works if you work it.

EK
Ethan K.
Senior Producer · Arizona
08 / Apply

Apply Now

Every application is personally reviewed by a member of our leadership team. Serious candidates will receive a response inside 48 business hours — with a calendar link to meet.

100% Confidential
Reviewed By Leadership
48-Hour Response
No Pressure. No Pitch. Just A Fit Check.
Join XFG
09 / Questions

Questions that
serious candidates ask.

XFG Financial Group is an independent recruiting and development platform for elite insurance and financial producers. We partner with 30+ top-rated carriers and provide the systems, mentorship, and compensation structure needed to scale a six or seven-figure practice.
No. Applications are accepted from currently licensed producers, those in the licensing process, or individuals who are serious about getting licensed. We provide a structured onboarding and licensing path for qualified candidates.
Captive agents are locked to one carrier, capped on compensation, and do not own their book of business. At XFG, producers write through 30+ carriers, receive uncapped compensation up to 120%+ with override opportunities, and fully own their book — forever.
XFG operates in all 50 U.S. states. Producers can become multi-state licensed through our internal licensing support team at no upfront cost for qualified candidates.
XFG uses a performance-based contract ladder starting at up to 90% for writing agents, scaling to 110% for senior producers, 120%+ for agency builders, and full override structures for regional leadership.
Licensed producers can be contracted, appointed, and writing business inside of 10 business days. Unlicensed candidates typically complete their full onboarding in 30–45 days with XFG's licensing support.
No upfront fees for qualified producers. XFG invests in our agents, not the other way around. Optional lead systems and tech upgrades are available for producers who want to scale faster.
10 / The Decision

If you're still reading,
you're already halfway in.

The only thing between you and the platform is a five-minute application.