Teach families what nobody taught us.

You might be a fit if…

• You're the friend people already ask about money
• You'd rather teach a concept than pitch a product
• You're coachable — licensed work means always learning
• You want flexible, purpose-driven work that helps real families
• You believe everyone deserves a plain-English explanation

The work, honestly described

Associates are independent contractors building at their own pace — this is a business you grow, not a job with a salary.

Your path, step by step

1. 1

   Intro conversation

   An honest look at whether this fits your life — no commitment either way.

2. 2

   State pre-licensing course

   The state-required education before you can sit for the exam.

3. 3

   California insurance exam

   Life; Accident & Health — the same licenses our founder holds.

4. 4

   Appointment & onboarding

   Get appointed through HGI's carrier network and set up your business basics.

5. 5

   Ongoing certifications

   AHIP, long-term-care, and annuity training as your practice grows.

You cannot discuss or sell insurance products until licensed — we take that seriously.

You won't do this alone

Expect a weekly training cadence, shadowing real educational conversations, and coaching from Megha Sharma as the team grows. We teach concepts, not pitches — if you can explain the employer match to a neighbor, you can do this work.

What this is — and what it isn't

Honest answers to fair questions