Build the life you want — protecting families along the way.
I’m Dawnn Hills, Agency Owner and Lead Trainer with National Agents Alliance. If you’re driven, coachable, and ready to take ownership of your income, I’ll show you the proven path I’ve walked — and the one I’ve trained agents across the country to walk with me.
The life insurance industry is one of the largest, most recession-resistant markets in America.
Insurance isn’t a trend. It isn’t a fad. It’s a $1.5+ trillion industry that has been around for over a century — and right now, the demand for licensed agents has never been higher. Here’s what you’re stepping into.
The Need Is Enormous
Over 100 million U.S. adults either have no life insurance or know they don’t have enough. The gap grows every year.
One of the Largest Markets in the World
The U.S. life and annuity insurance market pays out premiums supporting millions of families every single year.
The Senior Market Is Exploding
Every day, more than 10,000 Americans hit retirement age. Final expense, retirement, and legacy planning demand is climbing.
Through Every Economic Cycle
When the economy tightens, families care more about protecting their loved ones — not less. Demand holds steady.
The biggest wealth transfer in history.
76 million Baby Boomers have driven every major industry boom for 75 years. Now they’re entering retirement — and transferring $84 trillion in the next two decades.
Follow the Money — A 75-Year Story
Wherever Boomers went, entire industries exploded. Every decade tells the same lesson: the smart money positioned itself in front of them.
From 1946 to 1964, 76 million American babies were born — the largest generation in U.S. history. Companies that positioned themselves in front of this wave built empires almost overnight. Gerber became a household name. Pampers turned disposable diapers into a $4 billion industry. The pattern was set: where the Boomers went, markets followed.
The market followed the babies.
As Boomers became teenagers, they reshaped American spending forever. For the first time, teens — not adults — drove pop culture and dictated what got bought. Barbie became a billion-dollar brand. The Beatles dominated radio. Hot Wheels, rock and roll, and youth fashion turned teen culture into an economic force adults had to reckon with.
Teen spending reshaped America.
Boomers entered adulthood, married, and started families. American suburbs were built around them. Station wagons rolled into every neighborhood. First-time home buying surged nationwide, kicking off a generational real estate boom that still shapes the U.S. housing market today. The American Dream became a mass-market phenomenon — and the industries serving it grew with the generation.
The American Dream scaled with them.
Boomers traded starter homes for bigger ones and station wagons for the freshly-invented minivan. Chrysler sold them by the millions. But the bigger shift happened on Wall Street: the 401(k) went mainstream, and Boomers began funneling billions into the stock market for the first time. The modern retirement-investing era was born — and serious, long-term wealth accumulation began.
Wealth accumulation began in earnest.
These were the Boomers’ highest-earning years. SUV sales skyrocketed. Home values doubled. Stock portfolios surged through the dot-com tech boom, then recovered and climbed again. By the end of this two-decade run, Boomers had become the wealthiest generation in human history — collectively holding more assets than any group of Americans before them.
The richest generation emerged.
This is the moment everything has been building toward. Over the next 20 years, $84 trillion will move from Boomers to their heirs — the largest wealth transfer in human history. 10,000 Americans turn 65 every single day. Most have no estate plan. Most don’t have adequate life insurance. They need licensed professionals — right now.
The opportunity of a lifetime is happening now.
The moment is right now.
Plan Today. Protect Tomorrow. Leave a Legacy.
See How You Fit Into ThisWhy this is one of the best career pivots you can make right now.
Most industries chew up new talent and spit them out. The traditional career path — corporate ladder, stagnant raises, someone else deciding when you get promoted — is dying. People are realizing that the old model doesn’t work anymore.
The insurance industry is different. It’s one of the few places where your effort directly determines your income. There’s no cap. No politics. No waiting your turn. If you can have a real conversation with a real family about protecting what matters, the system pays you. The harder you work, the better you train, the more lives you change — the more you earn.
And unlike most “high-income” careers, you don’t need a degree, a license to lend, a Series 7, or years of unpaid grinding. You need a state insurance license (which we’ll help you get), a willingness to be coachable, and the discipline to show up. That’s it. The rest, we teach.
This career was built for driven people who are ready for more.
The agents who win on my team don’t all come from sales backgrounds. They come from everywhere — what they share is grit, coachability, and the willingness to bet on themselves.
Career Changers
Stuck in a job that’s capped your income, your time, or your spirit. You don’t need another paycheck — you need a different life.
Veterans & First Responders
You already know how to operate under pressure, follow a system, and serve people. Insurance is one of the best second careers for service-minded professionals.
Sales Professionals
You can sell — but you’re tired of selling things people don’t really need. This product helps families. The pay structure rewards you fully.
Single Parents & Caregivers
You need flexibility, real income, and a path that doesn’t punish you for showing up to your kid’s recital. This business runs on your schedule.
Faith-Driven Builders
You want work that aligns with your values — serving people, protecting families, and building something meaningful that lasts beyond a paycheck.
Entrepreneurs
You want to build a business, not just a book of business. NAA’s structure lets you grow into agency leadership and earn override income from the team you build.
Side-Hustlers Going All-In
You’ve been running a side business while working a 9-to-5. You’re ready to commit fully — you just need the right vehicle. This is it.
People Who Lost a Loved One
You understand viscerally what it costs a family to be unprotected. That conviction is the most powerful sales tool in this business.
Real products that real families need.
You won’t be selling gimmicks, timeshares, or vague “financial products.” You’ll be helping families lock in protection that pays out exactly when they need it most.
Mortgage Protection
The bread-and-butter of the NAA system. Term life specifically designed to pay off a homeowner’s mortgage if they pass away or become disabled. The leads are homeowners who recently took out a mortgage and have already requested information.
Final Expense
Whole life policies designed to cover funeral, burial, and end-of-life expenses for seniors typically aged 50–85. With 10,000 Americans turning 65 every day, this is one of the fastest-growing product lines in the industry.
Term Life Insurance
Affordable level-term policies that protect young families during their working years — usually 10, 20, or 30-year terms. The simplest sale in the industry. Most families know they need it; they just need someone to explain it and write it.
Indexed Universal Life (IUL)
Permanent life insurance with cash-value accumulation tied to a market index, with downside protection. Sold to families who want both protection and a tax-advantaged savings vehicle. Larger premiums, larger commissions, longer relationships.
Annuities & Retirement Solutions
Fixed and indexed annuities for clients approaching or in retirement — helping them protect their nest egg, generate guaranteed income, and avoid running out of money. This is where experienced agents on my team build serious six-figure books.
Disability & Critical Illness Riders
Living-benefit riders attached to base policies that pay out for disability, critical illness, or chronic illness — often called “the insurance you can use while you’re alive.” Sold alongside life policies, these meaningfully boost average premium per case.
Real opportunity. Real support. Real results.
National Agents Alliance has helped thousands of agents build six-figure careers in mortgage protection, final expense, and life insurance. This isn’t a side hustle — it’s a business model with leadership behind every step.
Proven Lead System
Work warm, qualified leads from real homeowners and families who’ve requested information. No cold calling. No begging friends and family. You sit in front of people who already raised their hand.
Build Your Own Agency
This isn’t a job — it’s a business. Promote through the contract levels, build a team, earn overrides, and create income that scales beyond what your hands can produce alone.
Coaching That Closes
I personally train every agent on my team. From your first ride-along to your first six-figure year — phone scripts, presentations, objections, closes. You will not be left to figure it out alone.
How warm leads actually work in this business.
Most “sales jobs” hand you a phone book and tell you to dial. NAA’s model is the opposite: families come to us first, then we follow up. Here’s the full pipeline.
The Family Requests Info
Through direct mail, online inquiries, or response cards, a homeowner or family member voluntarily fills out a request asking for information about mortgage protection or life insurance.
The Lead Reaches You
That request becomes a qualified lead with the family’s name, address, age, mortgage info, and what they asked about. You receive it in your CRM — fresh, exclusive to you, never resold.
You Set the Appointment
Using a proven phone script, you call to introduce yourself and book a 30–45 minute appointment. Most lead-to-appointment conversion happens in 2–3 attempts on warm leads.
Run the Presentation
In-home or virtual, you walk the family through their situation, present options, and write the application. We give you the exact presentation that’s been refined over years of in-field results.
Underwrite & Get Paid
Most policies issue within 1–14 days. Once issued, you’re paid your commission directly by the carrier — advanced commissions are available, meaning you don’t wait months to collect.
Start at 55%. Earn your way up.
NAA’s contract structure rewards production with promotions. Every agent on my team has a clear, written path to higher commission levels — and I’ll show you exactly what it takes to get there.
Trainee
Senior Agent
Field Trainer
Director
Agency Owner
Promotions earned through production milestones. Override income on top of personal production starts at the Field Trainer level and compounds at every leadership tier above.
What the math actually looks like.
These are illustrative scenarios at the 55% starting contract, based on average premium per policy and typical close rates on warm leads. Your actual results will depend on your activity, training, and consistency.
| Activity Level | Apps / Week | Avg Premium | Weekly Comm. | Annualized* |
|---|---|---|---|---|
| Part-Time Builder | 2 apps | $1,200 AP | ~$1,320 | ~$66,000 |
| Full-Time New Agent | 4 apps | $1,200 AP | ~$2,640 | ~$132,000 |
| Producer (post-promotion) | 5 apps | $1,400 AP | ~$4,550 | ~$227,000 |
| Top Producer + Team | 6+ apps | $1,500 AP | ~$6,750 | $300K+ |
*Illustrative annualization assumes 50 producing weeks. AP = Annualized Premium. Earnings depend entirely on individual production and are not guaranteed. Most new agents do not hit top-producer levels in their first year — but with consistent activity, six-figure income within 12–18 months is realistic for committed full-time agents on my team.
From day one to your first paycheck and beyond.
Here’s the exact path agents on my team follow from the moment they say yes — through licensing, first appointments, and their first promotion.
Onboarding & Licensing Kickoff
Welcome call with me. We confirm your goals, get you enrolled in your state’s pre-licensing course (if needed), and set up your CRM, lead account, and carrier appointments.
License Up + System Training
You complete pre-licensing, take the state exam, and get your license. In parallel, you go through our agent training portal — product knowledge, presentation, objection handling, and the phone script.
Field Ride-Alongs
You shadow me or a senior trainer on real appointments. You watch the presentation closed in-home or on Zoom — multiple times — before you ever run one yourself. This is where it clicks.
Your First Solo Appointments
You order your first batch of leads, set your first appointments, and run your first solo presentations. We debrief every single one — what worked, what didn’t, what to fix next time.
First Commission Checks
Policies you wrote in weeks 6–7 begin issuing. Your first carrier commission deposits hit. From here, the engine compounds — more activity, more apps, more income.
First Promotion in Sight
Most committed full-time agents on my team are within range of their first contract promotion (55% → 65%) by the 90-day mark — a permanent raise on every policy you write going forward.
You’ll never have to figure this out alone.
The biggest reason agents fail in this industry isn’t talent — it’s lack of support. On my team, you get a system, a schedule, and a mentor who’s actually invested in whether you make it.
Weekly Live Training Calls
Sales scripts, presentations, product training, and field debriefs — every single week, live and recorded.
In-Person & Virtual Ride-Alongs
Watch real appointments closed in real time before you run your own. The fastest way to learn is to see it done right.
Direct One-on-One Coaching
My personal cell, text, and Zoom — available to every agent on my team. Not a corporate help desk. Me.
Licensing Support Start to Finish
Not licensed yet? We walk you through the pre-licensing course, exam prep, application, and carrier appointments — step by step.
Annual Conferences & Conventions
National events with top producers and leadership. The relationships you build at these events change careers.
CRM, Tools & Tech Stack
Lead management, e-app submission, virtual presentation tools, and back-office support — all included.
I don’t recruit people to throw at a wall. I bring on agents I believe in — and then I work with them until they win. That’s the difference.
What a typical week actually looks like.
This is what a successful full-time agent’s week looks like once they’re up and running. The schedule is yours to set — this is just the rhythm that produces consistent results.
Lead Order & Phone Day
Order your weekly leads. Spend 3–4 hours on the phone setting appointments for the week ahead. Goal: 10–15 booked appointments.
Team Training Call
Live weekly training with the team — product, presentation, mindset. Then run 2–3 appointments in the afternoon and evening.
Heavy Field Day
Back-to-back appointments. Most full-time agents run 4–6 appointments. Submit applications same-day through the e-app system.
Field + Follow-Up
2–4 appointments plus follow-up calls on outstanding policies, cross-sells, and referrals. Submit any pending business.
Wrap & Plan
Final appointments of the week, debrief with your trainer, review the week’s numbers, and plan next week’s lead order and schedule.
Family. Faith. Reset.
Most agents protect weekends fiercely — the whole point of building this business is to take your life back, not lose it.
The myths people believe — and the actual reality.
Insurance has a reputation problem. A lot of it is deserved — built by bad actors, MLM-style outfits, and outdated stereotypes. Here’s the truth about what this business actually is.
“I’ll have to pester my friends and family to buy from me.”
You’ll work qualified leads from strangers. Families request information, you follow up. Your warm market is irrelevant to your success.
“This is just another MLM or pyramid scheme.”
NAA is a marketing organization for licensed agents. You’re paid commission by carriers on real policies. You don’t pay to play, and you don’t recruit to earn.
“You have to have years of sales experience to make money.”
Most of our top earners had zero sales background. What matters is coachability, work ethic, and showing up. The system carries the rest.
“Insurance is dying because of the internet.”
The opposite is true. Online quote engines drive more leads to agents, not fewer. Families still want to talk to a human about decisions this important.
“It takes years before you make real money.”
You can earn your first commission within 60–90 days of joining — including licensing time. Full-time committed agents commonly hit six-figure pace within their first 12–18 months.
“I can’t sell. I’m not pushy enough.”
The best agents on my team aren’t pushy. They’re empathetic problem-solvers. The product helps families — you’re not selling, you’re solving.
Meet Dawnn Hills
Agency Owner · Lead Trainer · National Agents Alliance
I built my career in this industry the same way I’m asking you to build yours — with hard work, the right system, and a mentor who refused to let me quit. Today, I lead a team of agents across the country who are doing exactly that.
My approach is simple: I teach what works. Not theory. Not motivation. Real conversations with real families about protecting what matters most. If you’re willing to learn, willing to work, and willing to be coachable — there is room for you on my team.
Whether you’re brand new to insurance, transitioning from another career, or an experienced agent looking for a real upline — let’s talk. The first conversation is free, honest, and pressure-free. I’ll tell you straight whether this is a fit for you, and if it’s not, I’ll point you in the direction that is.
What you’re probably wondering.
No. Many of the agents on my team came in with zero insurance experience. We’ll walk you through the state pre-licensing process, exam prep, and carrier appointments. Most new agents are licensed and producing within 30–45 days of joining.
All agents are independent 1099 contractors. You own your book of business, set your own schedule, and are paid directly by the carriers on the policies you write. Your contract follows you — this is your business, not a job.
Standard startup costs include your state pre-licensing course and exam (typically $200–$400 depending on state), your insurance license fees, E&O coverage, and any leads you choose to purchase. We walk you through the full breakdown on our intro call — no pressure, no hidden fees, no upfront “buy-in.”
Yes — quality leads are how you scale. But you control your own lead spend. Start small, prove the system works, then scale your lead orders as your closing rate and confidence grow. Most full-time agents reinvest a portion of each commission check into more leads to compound their pipeline.
Both. Most of our top earners are full-time, but we have agents who started part-time around another job and transitioned in once their income justified it. The system works either way — what matters is consistency and coachability.
Promotions are 100% production-based and have clear, written milestones. Driven full-time agents on my team have moved from 55% to 65% within 60–90 days, and from 65% to 75% within 6–12 months. The ceiling is whatever you’re willing to build toward.
You can work nationally. Once licensed in your home state, you can apply for non-resident licenses in any state where the leads come in. Many of our top producers are licensed in 20+ states.
No. You can build a personal-production-only career and earn well into the six figures without ever recruiting a single agent. Recruiting is optional — it’s how you scale into agency leadership and override income, but it’s never required.
Then it’s not for you, and we both move on with no hard feelings. The intro call is genuinely a two-way interview — I’m looking for the right fit just as much as you are. I’d rather you say no than join my team and quit in 90 days.
Your next career starts with a conversation.
Let’s get on a 20-minute intro call. I’ll walk you through how the business works, what the first 90 days look like, and whether this is the right fit for you. No pressure. No pitch. Just real answers from someone who’s actually in the field every week.
Or call directly: (510) 754-3165