In case nobody has mentioned it -- I strongly advise you to stay away from Amerilife. They have ripped me off several ways. On one contract, they didn't pay me my commissions (some companies pay through the FMO). On another, they offered me one commission scale when enticing me to contract with them, but substituted a lower commission scale when forwarding the paperwork on to the insurance company. You will find numerous other posts on here about Amerilife, virtually none of them positive.