— THE OPPORTUNITY

A career in life insurance, done right.

Life insurance is one of the few careers where your income, your schedule, and your future are genuinely in your own hands. Here’s what that looks like at Kairos.

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Looking up at city skyscrapers
Build something that rises — for generations.
01

Uncapped commission

No salary cap, no ceiling. You earn directly on the business you write and the team you build.

02

Training & mentorship

A structured onboarding program plus 1-on-1 mentorship from agents who’ve done it.

03

Flexible & remote

Set your own hours and work from anywhere. The business fits around your life.

04

Path to ownership

Earn overrides and build your own agency — a real, defined route to ownership.

05

Top-rated carriers

Access to A-rated carriers and a broad product shelf so you can serve every client.

— THE PLATFORM

Technology that runs your business.

You focus on families — our software handles the rest. Every Kairos agent gets one integrated platform to find, reach, and manage clients.

CRM

CRM

Organize every lead in one place and never let an opportunity slip through the cracks.

DIAL

Power Dialer

Reach more prospects in less time with a built-in dialer that keeps you in live conversations.

HUB

Sales Hub

Track production, watch your pipeline, and manage your entire business at a glance.

The Kairos sales dashboard on a laptop
— WHAT YOU’LL SELL

A full shelf of protection products.

At the core is life insurance, with the products families actually ask for. As you grow, you can offer the full Kairos shelf — so you always have a solution that fits.

Life Insurance

OUR CORE

The foundation of the business and where most agents start.

Term Life Insurance
Straightforward, affordable coverage for a set period — the protection most families start with.
Whole Life Insurance
Permanent coverage that lasts a lifetime and builds cash value the policyholder can use.
Final Expense
Affordable whole-life coverage that handles funeral and end-of-life costs, so families aren’t left with the bill.
Mortgage Protection
Coverage designed to pay off the mortgage if the unexpected happens — keeping loved ones in their home.
BEYOND LIFE INSURANCE
IUL
Index Universal Life
Permanent life insurance with cash value that can grow tied to a market index — protection plus a living benefit.
RETIREMENT
Annuities
Tax-advantaged products that turn savings into reliable, guaranteed retirement income clients can’t outlive.
HEALTH
Private Health Insurance
Individual and family health plans that round out a household’s protection beyond life coverage.
— WHY LIFE INSURANCE

A product people genuinely need.

Millions of families are underinsured. Every policy you write protects someone’s income, home, and children’s future. It’s meaningful work — and the demand isn’t going anywhere.

Because you’re solving a real problem, the work is durable: renewals build recurring income, referrals compound, and a strong reputation pays you back for years.

10,000

baby boomers retire every single day for the next decade — creating enormous, lasting demand for final expense coverage and annuities.

✓Recurring income from renewals, not just one-time sales
✓Steady, lasting demand — most families are underinsured
✓Meaningful work that protects people you care about
✓Referrals and reputation compound your income over time
A professional taking a call by the office window
— YOUR PATH AT KAIROS

From new agent to agency owner.

Every level is earned and transparent. You always know exactly what unlocks the next step.

STEP 01
New Agent
Get licensed and trained. Write business with full mentorship and a proven process.
STEP 02
Leader
We help you build a team and grow as a leader — with bonuses for mentoring. We build it for you, so you never recruit.
STEP 03
Agency Owner
Lead your own team. Own your book, your brand, and the agency you build.
STEP 04
Equity Partner
Share in the equity of the business you’ve helped grow — the top of the path at Kairos.
— COMPENSATION

Clear, transparent compensation.

Every title carries a defined commission level. You climb the ladder as your production and leadership grow — from Associate all the way to Equity Partner.

145%
Equity Partner+ Equity Bonus
145%
Agency Owner
140%
Partner
135%
Managing Director
130%
Executive Director
125%
Senior Director
120%
Director
115%
Senior Principal
110%
Principal
105%
Executive Advisor
100%
Senior Advisor
95%
Advisor
90%
Senior Consultant
85%
Consultant
80%
Associate

Ready to see what you could build?

Apply today and we’ll walk you through the opportunity, the numbers, and the path that fits your goals.

Apply now →