Own your book. Build your team.
Moiseshield Financial is an independent FMO for life insurance agents. Contract directly with top-rated carriers at your level, earn up to 130%, and keep a 10% override on every agent you bring up.
Why agents choose Moiseshield
We're independent, not captive — and we're built around the agent, not the carrier.
Independent, not captive
No quotas, no single-carrier lock-in. Choose the right product for every family from multiple top-rated carriers.
Client first
We educate before we sell. IULs, annuities, and retirement strategies made simple for the families you serve.
Own your business
Your book of business and your team belong to you. Build a downline and earn a 10% override on every level.
Direct contracts with A-Rated Carriers
Access the most competitive life, annuity, and mortgage protection products in America. Direct carrier commissions, zero upline cuts, and full ownership.
Transamerica
Market leader in cash-accumulation IULs with high non-med limits.
Athene Annuity
High index participation rates and guaranteed lifetime retirement income.
Mutual of Omaha
115+ years of trusted protection with rapid point-of-sale e-Apps.
Foresters Financial
Fraternal member grants, orphan benefits, and top critical illness riders.
Run your agency from one portal
Upload contracting documents, track your downline, and watch your overrides compound — all from a dashboard built for independent agents.
Document upload
Drag-and-drop contracting & KYC.
Downline tracking
See every agent you've brought up.
Override dashboard
Watch your 10% spreads compound.
Compliant by design
Encrypted storage with audit trails.
Direct carrier contracts — carrier pays you
No quotas. Stay independent.
Encrypted, audited agent portal