The KFS Business Model: Designed for Everyone

We help make the idea of financial independence and financial security accessible to a diverse group of people from a wide range of backgrounds. Through Knugget Financial Services , individuals have the opportunity to become independent insurance agents and support their communities. For part-time or full-time insurance agents and financial entrepreneurs of all calibers, we are here to support the growth of your business.

The Knugget Financial Services business model offers a unique opportunity to help make financial independence and business ownership accessible to a variety of individuals from a wide range of backgrounds. ‍


After successfully collaborating with their agent, some of our clients even choose to become independent business owners themselves. Many have built successful financial services organizations using the KFS business model. The KFS business model is a proven system that has produced thousands of successful financial professionals running independent businesses across North America.

Start Building Your Business with KFS!

Helping People Build Their Financial Futures

After becoming licensed, KFS agents share financial knowledge, best practices, and strategies for life insurance protection, retirement, savings and education planning. Join KFS and become an independent insurance agent to help clients build better futures.

Become a KFS Agent

KFS Financial professionals have access to our financial training resources that can help them become licensed life insurance agents. Up-and-coming financial agents can also receive mentoring and support from the KFS home office and fellow KFS agents. KFS also offers state-of-the-art technology, business-building guidance, and marketing resources to help you promote, monitor, and grow your business. We built this financial training program to support aspiring financial professionals with everything they need to get started.

Are you up for the challenge?

Building and scaling your business is up to you. After becoming a KFS insurance agent, there are virtually no limits to the size of your business or your earning potential. KFS’s business model allows individuals from all backgrounds to rise through the ranks.

*Residents of California who wish to be independent agents with Knugget Financial Services must already have a life license. Non-licensed individuals may join KFS Direct to earn income through the direct selling business. At the same time, they determine if a career in the insurance industry is right for them.

The KFS Difference

The KFS business model allows ambitious entrepreneurs like you to build a financial services organization on your terms. Full time or part time. Day or night. Scale without limits.

Traditional Agency

Business owners hire and train team members to work for the firm. Only top business owners will have the opportunity to reach the highest-level contract. Team members seeking higher contracts venture out to find new business or start their own firm.

Our Business Model

Become a KFS insurance agent, and then, a business owner who recruits and trains other owners to work as part of the team. Any independent business owner has the opportunity to reach the highest-level contract. Business owners work together as equals helping each other succeed. Growth and income are scalable based on individual business goals.

Start Part Time and Go Full Time When You’re Ready

There’s no need to quit your current job to determine if KFS is right for you as an independent agent. Test the waters and join KFS as a part-time insurance agent to discover the flexibility that it offers to our financial professionals.

Four Ways to Build Income

KFS offers one of the industry’s most robust compensation plans on a diversified product portfolio. Seize KFS’s insurance agent opportunities to advance through the ranks, build your business, and earn more money while supporting your community.

Expansion Income

Financial entrepreneurs like you are free to expand their business anywhere in the US or Canada – the KFS platform supports your efforts and help you support your organization.4

Bonus Income

Qualified agents earn bonus income, which grows based on the entire company’s production, that can multiply and compound your earning potential.

Personal Income

Earn a commission when you write new business and, as you reach preset levels, your commission percentage increases.

Agency Income

As your business grows, you can build a team by mentoring and developing newly licensed agents. As they write new business, you earn a percentage of their sales through overrides.

Start Your Journey to Independence

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