At age 60, I would not try to get into middle market. Usually if you start with FE, they recommend you to move into Medicare/supplements. See if this is something you like. Medicare Advantage does not pay immediately so it will drain your cash flow. Assuming you work at a decent IMO, FE should net you somewhere around 5k plus a week if you are following your coaches. You should nevertheless build a referral strategy with middle market agent. To be successful in middle and upper markets, you need a lot deeper understanding of underwriting. It takes about somewhere around 10 to 15 years to build that. In contrast Final expense, in 2 months you can learn everything about underwriting for 10 carriers and become an expert in FE. Last week I closed a middle market case that took me 14 months. I have probably closed FE cases in the past at 14 minutes after the lead came in. So there is a whole world of difference in cashflow despite the same licensing.