LifeOne Financial is opening a limited number of Founding Agent seats across Canada, the U.S., and Puerto Rico. If you're tired of building someone else's empire — or ready to walk away from a job that's wrecking your body for a career that builds real, transferable equity — this is the door.
Free 20-minute career audit. No cost or obligation to apply.
owns 100% of the book of business they build, transferable, willable, and yours — even if you and LifeOne ever part ways.
Captive agencies pay you to produce, then keep the one thing that actually compounds: the book. Walk out the door and you walk out with nothing but experience. Here's the shift LifeOne agents make.
Every policy you write builds equity that's contractually yours — not a number on the agency's balance sheet.
Structured study support and exam prep so career-changers can get licensed and writing business fast, without guessing at the process alone.
Life, infinite-banking, and tax-advantaged strategies for incorporated business owners — a real shelf, not a single-carrier script.
Build a team under you and get paid on the organization you develop — your business, not just your bookings.
One model, three markets — Canada, the U.S., and Puerto Rico — for agents who want room to grow beyond one region.
| Factor | Typical Captive Agency | LifeOne Tribrid MGA |
|---|---|---|
| Book ownership | Retained by agency | 100% yours |
| Carrier access | Single carrier | Multi-carrier shelf |
| Earnings structure | Salary + capped commission | Uncapped, production-based |
| Team building | Rarely available | Built into the model |
| What you leave with | Experience only | A transferable asset |
You're producing somewhere else right now — captive, independent, or MGA — and the split, the ceiling, or the lack of ownership has started to bother you. We'll map your current book, your contract terms, and what moving over actually looks like for your existing clients and renewals.
Start My Transfer Audit →Trades, warehouse, driving, service — physical work with a ceiling on it. No license yet, no insurance background. We'll walk you through what licensing actually takes, what the first 90 days look like, and whether this is a realistic move for where you're at.
Start My Career Audit →Yes. Path B is built for exactly this. We'll walk you through what licensing involves in your jurisdiction and what a realistic timeline looks like before you commit to anything.
This depends entirely on your current contract and jurisdiction — non-competes, vesting schedules, and carrier appointment rules vary. Our audit walks through your specific situation before you make any move.
The ownership model is consistent, but licensing requirements, compliance rules, and product availability differ by country and region. We'll confirm exactly what applies to you during the application call.
No. The career/transfer audit is free and there's no obligation to move forward afterward.
Fill this out and we'll reach out to schedule your free audit call — whether you're transferring an existing book or starting from zero.