SILVERTHORNE FINANCIAL GROUPLife insurance. Independent producers.
INDEPENDENT LIFE BROKERAGE  ·  FOR LICENSED PRODUCERS

Stop building someone else’s empire.

You already know how to sell. What you do not have is a shop that lets you keep the book, the relationship, and the economics — without building the entire operation yourself.

Independent life production with institutional support. You sell. We run contracting, infrastructure, and the back office. Your name stays on the business you write.

APPLY TO JOIN SEE THE OFFER
Silverthorne Financial Group seal
2026Principal agency established
$750KLife premium placed since Jan 1, 2026
28Carriers appointed
46 statesLicensed footprint

Firm-wide figures, not individual producer results. No income is guaranteed.

I · WHO THIS IS FOR

This is not an open chair.

THIS IS FOR YOU IF
THIS IS NOT FOR YOU IF
You are licensed and already producing, or you have a book you intend to keep growing.
You want a W-2 job with a manager and a guaranteed draw and no ownership.
You are tired of building production that vests to someone else’s override.
You need the pitch to promise first-month miracle income.
You want support and infrastructure without being treated like a captive.
You plan to collect contracts and disappear after the welcome call.
You will do the work. Systems do not replace activity.
You think recruiting downline is the product.

If you are shopping for a lottery ticket, close the tab. If you are shopping for a firm, keep reading.

II · THE OFFER

The deal, without the brochure language.

Most recruiting pages talk about culture. Producers care about the plumbing. Here is the plumbing. Details that belong in a contract stay in the contract. Nothing below is a guarantee of income.

Ownership

Vested from day one. You are the agent of record on business you write. The book is yours to service and, subject to carrier and contract terms, to take if you leave. We do not build a house on your renewals.

Compensation

Direct producer contracts from 80% to 145%, set by your production. Advances where the carrier allows. Residuals stay with the writing agent per carrier rules. No mystery haircuts after the fact. Equity opportunity for serious team builders.

Contract level depends on production. Equity participation is subject to a separate written agreement.
Leads

Two paths: self-gen your own book, or run ads through Family Fortress LLC, our private ad company, at cost. We do not mark up your ad spend. We track the KPIs that decide whether a campaign is actually profitable, and cut what is not. We do not pretend purchased data is a warm referral.

Family Fortress crestAdvertising powered by Family Fortress LLC
Support

Every producer is paired with one of our dedicated team leaders. Contracting, case help, compliance review, and a real person when a case is stuck. You are not emailing a void after week two.

Products

Life first: term, whole life, IUL, final expense, guaranteed issue and simplified issue. Plus annuities, Medicare and long-term care. 28 carriers appointed, including Accendo, Aflac, Allianz, American Amicable, American National, Americo, Banner Life, Cincinnati Life, Corebridge, Foresters, Gerber, Guaranteed Trust Life, John Hancock, Lafayette Life, Liberty Bankers, Lincoln, Mutual Trust Life, National Guardian Life, National Life Group, North American, Pacific Life, Principal, Protective, Prudential, Securian, Symetra and Transamerica.

Chargebacks

Chargebacks follow the writing agent and the carrier rules. We do not hide that. We track persistency alongside every other KPI, so you are not surprised by junk business.

III · THE MACHINE

You sell. The machine is not a metaphor.

“Systems” is the most abused word in this industry. These are the actual pieces.

LEAD ENGINE

Ads run through Family Fortress LLC at cost, with zero markup on your spend, or bring your own. Every lead lands in GoHighLevel. You see what you paid and what it produced. No mystery “we’ll send you leads.”

CRM + PIPELINE

GoHighLevel, fully built. Instant text on every new lead, automated follow‑up, pipeline stages, recordings where legal. You do not run production from a Notes app.

DIAL / CONNECT

Enzo, our private auto dialer, does the dialing for you. No typing in numbers by hand, no listening to rings and voicemails, no burning hours of your day — or the leads you paid for — on manual dials. It works the list while you talk, and you pick up only when a real person answers. Your time goes to conversations, not keypads.

CALL COACHING

Leadership can listen in on live calls and coach you on real conversations, not role‑play.

KPI TRACKING

An automated tracker keeps every policy, commission and client in one place. We care more about data than hype: placement, persistency and ad profitability, reviewed weekly.

CONTRACTING

We run contracting and appointment packets. You are not left alone in 28 carrier portals on day one.

COMPLIANCE

Scripts and ads go through review. We would rather lose a clever hook than pick up a DOI problem.

AFTER MONTH 3

Support does not expire when the honeymoon ends. Weekly numbers review. Case help stays on. If you stop producing, we will say so. We do not babysit ghosts.

IV · THREE TRACKS

Three seats. They are not the same.

ESTABLISHED TEAM BUILDERS

Build an agency. Own it.

For leaders already running production through a team. Clear $100k a month in clean issued business and the door opens to an agency contract. Your agency, your downline, your rules — with our infrastructure behind you.

Bar: $100,000+ per month in clean issued business.

Agency contracts, opened by $100k+ a month in clean issued business
Triple-digit commissions on whole life, IUL and term
Control of your agency and your downline
Run it your way, with our full backing and support
Equity opportunity in our future exit

Agency contracts and equity participation are subject to separate written agreements and ongoing production. No income or ownership outcome is guaranteed.

ESTABLISHED PRODUCERS

Bring your book and your standards.

We plug you into contracts, infrastructure, and support without turning you into a trainee. First conversation is about your current grid, your persistency, and what you want to stop doing.

Bar: $200,000+ in personal issued premium.

NEW TO THE INDUSTRY

You can start here.

You will be trained by people who still write business. You will not be handed a script and a prayer. Licensing support, a defined 90-day ramp, and a team leader who looks at activity every week.

Cole Brayton

I built the firm I wish I had when I started.

Cole Brayton. Seven years writing and building in life insurance, with $2M+ in verified personal production and more through my team. Started producing, then got tired of watching good agents feed a structure that did not pay them like owners. Silverthorne exists so producers can run a real book with real support and leave with what they built. I still care about the work. I do not pretend I am the product.

Cole Brayton
V · QUESTIONS

The ugly questions, answered before the call.

Do I own my book?

Yes. You are vested from day one as writing agent / agent of record on business you place, subject to carrier rules and the producer agreement.

Do I have to recruit?

No. Recruiting is optional. You can make a living writing business. Leadership is a separate conversation for people who have already proven they can produce.

What happens if I leave?

You keep the book you own under the agreement. We will not pretend every departure is friendly. We will tell you the release and non-solicit terms before you sign, not after you want out.

Who pays for leads?

You do, at cost. Self-gen is always an option. If you want paid leads, ads run through Family Fortress LLC, our private ad company, with no markup on your spend. We track the numbers that decide whether it is profitable. We will not call aged data “exclusive inbound.”

How fast do I get paid?

Advances follow each carrier’s schedule where the carrier allows them. You will see the full payment terms in writing before you contract.

What about chargebacks?

They follow the business and the writing agent under carrier rules. We review persistency. We do not sell you a structure that only works if nobody lapses.

Is this an MLM?

No. You are not required to recruit. You are not paid to recruit as the core model. If you build a team later, that is a different agreement with different work.

Can I keep my other appointments?

In some scenarios, yes. Dual appointment is allowed case by case, typically for team builders or high personal producers stuck at another IMO. We will walk through your situation on the call.

How does the team builder track work?

Team builders doing $100k+ a month in clean issued business can move to an agency contract: triple-digit commissions on whole life, IUL and term, control of your agency and downline, and an equity opportunity in our future exit. Agency contracts and equity are separate written agreements, earned by production, not promised on a website.

VI · APPLY

If the fit is real, the next step is not a vibe check.

We review every application. If your production, timing, and standards line up, you get a conversation. If they do not, you get a no. That is the point.

APPLYING AS *
CURRENT SHOP *
ISSUED PREMIUM, LAST 12 MONTHS *
WHAT YOU WANT NEXT *
HOW SOON CAN YOU CONTRACT *

No income is guaranteed. Applying is not an offer of appointment.