Independent producer opportunity
Independent should never mean on your own.
Build as a 1099 insurance producer with the XFG Team behind you—nationwide remotely or from our Carlsbad corporate office.
Commission-based independent-contractor opportunity. Licensing, contracting, and written terms apply. Earnings are not guaranteed.
01A connected foundation
Everything you need to build—without piecing it together yourself.
Independent producers still deserve structure. X Financial Group combines clear expectations, hands-on guidance, technology, and a repeatable operating rhythm.
See what is includedUnderstand the activity, compliance, and client-care expectations from the beginning.
Keep lead activity, follow-up, booking, and pipeline movement connected.
Get direct guidance from the XFG Team while remaining responsible for your own business.
02One producer model
One opportunity.
Two ways to work.
Choose the environment that helps you stay consistent. The classification and commission-based structure remain 1099.
Independent contractorNationwide
Build your book with XFG Team support.
For self-directed producers who value ownership, flexibility, and a clear system for turning activity into client conversations.
- Compensation
- Commission-based
- Classification
- 1099 independent contractor
- Interview
- Required 15-minute phone call
Nationwide
Build remotely.
Work from your approved location in the United States while staying connected to the XFG Team, systems, and operating rhythm.
Carlsbad, California
Build from the office.
Qualified 1099 producers may work alongside the team at the X Financial Group corporate office.
2701 W Loker Ave.Suite 100
Carlsbad, CA 92010
Exact eligibility, licensing, carrier contracting, commission, expenses, technology access, and written agreement terms apply. Individual results vary and earnings are not guaranteed.
03Built into the opportunity
The support system behind your production.
What is available depends on licensing, contracting, activity, vendor access, and the written producer agreement.
Launch guidance
A clear first-14-day path built around licensing status, contracting, systems, and productive activity.
Live coaching
Practical support from the XFG Team as you learn conversations, tools, and day-to-day standards.
Lead strategy
A defined approach to prospecting, follow-up, and working the opportunities available to you.
Technology stack
A connected producer workspace for lead handling, follow-up, scheduling, and pipeline visibility.
Carrier access
Product and carrier options are reviewed based on licensing, contracting, client fit, and availability.
Growth pathway
Build consistent habits first, then explore advanced production and leadership paths as you qualify.
04The X Financial Group technology system
Your producer workspace. Connected from first lead to long-term follow-up.
Bring lead response, pipeline visibility, dialing, scheduling, nurture, and producer presence into one operating system.
- AI-assisted follow-up with producer oversight
- Visual CRM and pipeline
- Dialing, booking, and nurture workflows
- Producer-facing digital tools
TodayProducer overview
New activityReady
Follow-upActive
Next actionQueued
New
Contacted
Conversation
Next step
05Carrier and product access
Start with the right fit. Expand as you qualify.
Carrier and product access is never one-size-fits-all. The XFG Team reviews licensing, appointment eligibility, client needs, and availability before recommendations are made.
Core review
Licensing, resident state, background, goals, and initial product fit.
Contracting path
Available carrier and product options based on qualifications and current requirements.
Broader access
Additional options may become available as experience, production, and eligibility develop.
06Commission-based compensation
Understand the math before you build the plan.
Commission depends on contract level, premium, product, carrier rules, placement, persistency, and other factors. The estimator below is educational—not a promise or projection of results.
- Paid as
- 1099 independent contractor
- Income type
- Commission-based
- Guarantee
- None
Educational toolCommission estimator
Illustrative gross commission$4,500 / month
Simple premium × contract level × placed policies calculation.
For education only. This is not an earnings estimate, offer, or guarantee and does not account for product rules, advances, chargebacks, placement, persistency, lead costs, business expenses, taxes, or other factors. Actual results vary.
07Your first 14 days
A focused launch, shaped around where you are now.
Your exact path depends on licensing, contracting, availability, and selection. Use the planner to preview the operating rhythm—not a guaranteed timeline.
Align
Confirm expectations, licensing status, work setting, and next requirements.
Connect
Complete eligible onboarding steps and learn the approved workflow.
Practice
Rehearse conversations, pipeline movement, follow-up, and compliance standards.
Activate
Begin approved activity when licensing and contracting requirements are complete.
08Growth path
Build consistency. Earn access to what comes next.
Growth is based on qualification, activity, production quality, persistency, compliance, leadership readiness, and written terms—not tenure alone.
- 01Launch
Learn the standard and establish daily activity.
- 02Produce
Build repeatable client conversations and quality business.
- 03Advance
Explore expanded responsibility or leadership as you qualify.
09How to get started
Simple process. Clear expectations.
The application is not complete until you book the required 15-minute phone interview.
- 01
Submit your application
Tell us about your background, licensing status, and whether you prefer remote or Carlsbad.
- 02
Book the required call
Immediately choose an available time for the required 15-minute phone interview.
- 03
Review fit and next steps
Talk with the XFG Team about the 1099 structure, expectations, and any requirements.
10Corporate office
Build with us in Carlsbad.
The opportunity is nationwide and remote. Qualified 1099 producers who prefer an office setting may work from the X Financial Group corporate office.
11Frequently asked questions
Good questions deserve direct answers.
If you still have questions, the required phone interview is the right place to ask them.
What kind of opportunity is this?
This is a commission-based 1099 independent-contractor opportunity with nationwide remote availability and a Carlsbad office option for qualified producers.
Where can I work?
The opportunity is available nationwide on a remote basis. Qualified producers may also choose to work from the X Financial Group corporate office at 2701 W Loker Ave., Suite 100, Carlsbad, CA 92010.
How is compensation structured?
The opportunity is commission-based. Contract levels, products, carriers, production, persistency, and other factors affect compensation. Earnings are not guaranteed.
Do I need an insurance license?
A current license may accelerate the path to production. Applicants who are not yet licensed can still apply and discuss licensing expectations during the required phone interview.
Is technology included?
Eligible active producers may receive access to the approved technology workflow from X Financial Group. Availability, features, data, vendor terms, and producer responsibilities are reviewed during onboarding.
Is the phone interview required?
Yes. Every applicant must book a required 15-minute phone interview immediately after submitting the application.
What happens after I apply?
You will be sent to the interview calendar. After you book the required call, the XFG Team will review fit, licensing status, location preference, expectations, and next steps.
Are contracting, carrier appointments, or earnings guaranteed?
No. Applying and interviewing do not guarantee an independent-contractor agreement, carrier appointment, leads, compensation, production, or earnings.
12Your next step
Build independently.
Never build alone.
Submit your application and then book the required 15-minute phone interview to speak with the XFG Team.
Apply and book your call Applying does not guarantee contracting, carrier appointment, leads, compensation, production, or earnings.