Most agents rent a career. You should own one. Optimum gives you the carriers, the coaching, and the tools to build a book that belongs to you — in health, life, and retirement.
Optimum was started by someone who left a twenty-year corporate sales career — a Chief Sales Officer's seat — because the thing he was building belonged to somebody else. That's the whole thesis of this agency.
We're independent. We're appointed across forty-plus carriers. We help families optimize their path to financial freedom, and we help agents do the same thing for themselves. No hype, no recruiting theater. A real business, run by real people.
“You should own what you build. That's it. That's the agency.”
Jesse Stamm · Founder, OptimumOptimum is an independent agency — and we're plugged into the largest insurance distribution organization in the business. The carrier relationships, the lead partners, the contracting, the back end: all of it is already built and already working at a scale most agencies will never see.
Nobody here is figuring out the model. It's figured out. Your job is to learn it and go.
Most life-only agents have one conversation with a family and then leave. You'll have six. That's not a bigger catalog to memorize — it's the difference between selling somebody a policy and actually being their agent.
Covers burial and cremation costs so a family isn't fundraising during the worst week of their life.
Keeps the family in the house after a death. Reframes a payoff into protecting equity and buying time.
Large coverage for a defined window — the mortgage years, the kids-at-home years, the income-replacement years.
A death benefit plus a cash value component — growth tied to an index, with protection from the downside.
Protects long-term savings from market loss and creates guaranteed income a client can't outlive.
Medical and supplemental coverage. The line most life-only agents can't write — and the one that opens the door.
A health client becomes a life client becomes an annuity client — same family, same trust, three times the book. More ways to help a household is also more ways to earn from one lead, which is how our agents stop buying their way out of a bad month.
Four things we actually hold each other to. If these don't sound like you, we're probably not the right room — and that's a fine answer.
Nobody is coming to build it for you. We hand you the system and stand next to you while you run it.
We tell clients the truth and we tell each other the truth. Including when the number is bad.
Activity you can count beats motivation you can't. The plan works when you work the plan.
The agents who grow fastest here are the ones already helping the person behind them.
Three months, start to self-sufficient. A validated income ladder, a real orientation, and a strategy call with a human being — not a folder of PDFs and good luck.
Get licensed, contracted, and oriented on your schedule. No waiting for the next group call to start.
The primary live event. Your numbers, your market, your plan — built with you, not handed to you.
Daily. Short. Sets the number and the target for the day, then everybody goes to work.
Every tool below is free, runs in your browser, and stores nothing. We built them for our own agents first — then opened them to every agent in the Family First Life family. They're powered by Optimum.
Enter age and conditions — see exactly which IUL, term, and final expense products that client can actually buy, across every carrier.
Open the wizard →Card-by-card scripts for veteran life, IUL, and mortgage protection calls. Openers through wrap, with reference panels where you need them.
Open the navigator →Income, activity, agency, and commission calculators that pass numbers to each other. Ten minutes gets you a plan with real math in it.
Open the planners →A real site clients can look you up on, live in minutes.
Saves to their phone in one tap and verifies you're licensed.
Send a link, let them pick a time, stop trading texts.
Underwriting questions answered by people who've written the case.
Ask any agency you're talking to about these. The answers will tell you more than any recruiting pitch will.
You sign with the carrier. You don't sign with us. No independent contractor agreement, no non-compete, no release you have to beg somebody for. If we ever stop being the best place for you to write business, you can walk — and that's the whole point. We'd rather earn you every month than trap you for a year.
Top contract levels, structured so the producer who never wants a team and the builder who does both make real money. You don't have to recruit to do well here.
Yours from the first policy. Not year five, not year seven. Leave the business entirely and they're still yours. No vesting cliff, no fake equity.
Producer and manager bonuses on top of commission, funded from a profit-sharing pool the organization pays out every single month.
Build a team and get paid on their production. That's the part that's still there the month you take off — and the reason this becomes a business instead of a job.
Our leadership carried a bag and worked the phones. Most people running IMOs never did — they were 1099 recruiters, not 1099 salespeople. You can't teach a call you never had to make.
Agents in this organization have sold their books to outside buyers and taken real exits. It's your business — not ours with your name on it.
Not a purchased list you cold-call until somebody hangs up. Vetted partners feeding you people who already raised their hand and asked about coverage — and never one source, so you're never stuck with one price, one quality level, or one bad week killing your month. The leads don't run out here. The only limit is how many you decide to work.
Contract levels, raises, overrides, vesting, and what it actually takes to build an agency underneath you. We'll walk you through the whole comp plan on the first call — no drip campaign required to see the numbers.
What we won't do is put an income screenshot on a website and call it a recruiting pitch.
Most agencies sell you month one. Here's the part nobody shows you — what changes about where your income actually comes from.
You write business. Every dollar comes from a case you personally closed — which is how you learn the products, the objections, and the close for real. Renewals start stacking quietly in the background from your first policy.
You're still writing, and now you're bringing on agents and training them the way you were trained. Overrides start carrying real weight. For the first time your income isn't a straight line out of your own calendar.
The agency produces whether or not you're on a call today. Renewals compound, overrides carry, and you hold something with transferable value — a book and a team that exist independently of your calendar.
“Nobody gets to year five by accident. But nobody gets there at all in a business that isn't theirs.”
And after year five — nothing resets. The policies you wrote in year one are still paying renewals. The agents you trained in year two are training their own. That's the difference between a job that pays you for this month and a business that keeps paying for the work you already did.
Illustrative of how an agent's income mix typically shifts over a career at Optimum. Not a projection or guarantee of earnings. Agents are independent contractors; results depend on effort, market, licensing, and persistency.
One call. We'll ask what you're actually trying to build, tell you honestly whether we can help, and show you the comp plan either way.
Licensed already? Great. Not yet? Also fine — we'll walk you through getting your life and health license and what it costs.
“We bring the mentorship, the tools, and the team. You bring the work ethic.”
What we tell every candidateSomeone from Optimum will reach out within one business day to set up a time. If you'd rather not wait, call (407) 900-3122.
While you're here: the free tools are open to you either way.
See the tools →This page is for agents. If you're a family looking for health, life, or retirement help, our client side is where you want to be.