An Agency Built by Producers, for Producers
Founded on transparency, work ethic, and servant leadership, Headwaters Financial Group LLC is a regional agency within North American Senior Benefits (NASB), dedicated to changing the trajectory of our agents' lives.
A+ Rating from BBB
Trust is our foundational pillar. We maintain the highest standards of ethics, carrier compliance, and consumer protection in the senior life insurance sector.
NASB Agency Power
Partnered with North American Senior Benefits—one of the nation's premier IMOs—giving you unprecedented top carrier access, proprietary direct mail leads, and competitive contracts.
In-the-Trenches Mentorship
Our agency leaders don't manage from behind a desk. We write business alongside you, take you on live field ride alongs, and teach you the exact blueprint to six-figure production.
Our Core Philosophy: “What We Do Matters”
At Headwaters Financial Group LLC and NASB, we don't view insurance as transactions. We view it as a mission to make sure vulnerable seniors never leave financial hardship to their surviving children or grandchildren.
Ready to see if you're a fit?
Apply now to get invited to our next opportunity call and a 1-on-1 interview.
Protecting America's Most Deserving Generation
The demand for final expense life insurance is at an all-time high. Our agents solve real problems for middle-class seniors who are actively asking for help.
Baby Boomers are retiring in historic numbers, creating massive compounding demand for burial & final expense protection.
Over 70 million individuals aged 65 and older need affordable plans that protect their surviving spouse and children from debt.
Without our coverage, families are forced into high-interest loans, crowdfunding, or draining life savings in an emergency.
We Provide Dignity, Peace of Mind & Certainty
When you sit across the kitchen table or visit with seniors on the phone, you are delivering a promise. Our clients aren't corporate accounts—they are grandmothers, veterans, retirees, and hard-working people who want to make sure they aren't a burden to their family when they pass.
- Simplified Issue Underwriting: No medical exams or needles required for clients.
- Locked-In Rates: Premium never increases and benefit never decreases with age.
- Immediate Payouts: Direct claims payout to beneficiaries within 24–48 hours.
Never Prospect Family or Friends Again
At Headwaters Financial Group, our agents don't make cold calls or bug their personal contacts. Every senior we serve has filled out a request for senior benefit information.
The Top 5 Reasons Agents Choose Headwaters & NASB
Directly from the proven NASB framework: why top producers and ambitious career changers make Headwaters their forever home.
A Career, Not a Job
Long-Term Wealth & SecurityMost insurance agencies offer a high-turnover sales job. At Headwaters and NASB, we offer a long-term career path with lifetime compounding renewal income, company-backed growth, and leadership tracks designed to make $100,000+ income a realistic year-one milestone.
Affordable & Exclusive Leads
Proprietary CRM & Direct MailNever buy recycled internet lists or cold call friends and family. Through NASB's internal lead platform and direct mail house, you access subsidized, fresh leads from seniors actively requesting burial and final expense coverage.
Advance Yourself with 1-3 Day Pay
Direct Deposit Cash FlowNo waiting weeks or months for commissions. Carrier contracts allow direct advances into your bank account within 1-3 business days as soon as policies are issued. Combined with our roadshows and video training library, you scale faster.
Own Your Agency
Day-One Vested RightsYou are building an asset that belongs to you. Unlike captive companies that claim your book if you leave, you are 100% vested from day one with agency equity opportunities and true contract ownership.
Aggressive Compensation & World Trips
5-Star Luxury IncentivesTop contracts with premier carriers like Aetna, AIG, American-Amicable, Americo, Corebridge, Foresters, Mutual of Omaha, Royal Neighbors, and Transamerica. In addition to high commissions, earn qualification for all-inclusive luxury annual incentive trips.
Ready to step into the opportunity of a lifetime?
Join our next opportunity call, complete your 1-on-1 leadership interview, get licensed, and experience a hands-on field ride along.
Join Headwaters Financial Group LLC & NASB
Licensed life insurance agents and motivated individuals ready to obtain their license are welcome. Tap below to open our application form and start the process.
Our 4-Step Hiring & Onboarding Process:
An overview session detailing the NASB business model, carrier lineup, lead systems, and income projections.
A personalized discussion with agency leadership to evaluate mutual fit, territory availability, and your career goals.
Guided pre-licensing study support and exam prep for new agents, or carrier contracting setup for existing licensees.
Shadow a top producer in the field to see live senior appointments, presentation flows, and policy closes firsthand.
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