Interested in the team? · South Florida

Build your future atOntotheNextAgency.

I'm Noah Critch, and I'm building a full-time team inside OntotheNext Agency with Family First Life. If you're driven, coachable and ready to earn an income with no ceiling, see how it works below and apply for a spot. No experience needed.

Apply to join → Read my story
9 mo.of commission paid up front
70→140%+contract levels you climb
No limiton what you can earn
What we do

We help families protect what matters most.

Our job is to make sure the people our clients love are taken care of. We shop 30 top A+ rated carriers and hundreds of products for every client, so there are no limitations on what we can offer. That means the right coverage at the best rate, and every family ends up in the best possible situation.

30 A+ rated carriersHundreds of productsBest available ratesClients nationwide
How you get paid

4 ways the money comes in.

1

Your sales

You earn your contract level on each policy's yearly premium. Most of it is paid up front.

2

Your team

You earn the spread between your level and your agents' level on everything they write.

3

Bonuses

Production bonuses for hitting monthly volume, plus carrier bonuses.

4

Renewals

A smaller check each year a policy stays on the books. The bigger your book, the bigger the check.

One sale, broken down
$100/mo premium × 12 = $1,200 AP
$1,200 × 100% level = $1,200 to you
$900 up front
$300
Months 1–9, paid within days of the policy issuingMonths 10–12

Your level climbs with production

70%
80%
90%
100%
110%
120%
130%
140%+
StartTop of the chart

Build a team, earn the spread

You 100%−Agent 80%=20%

Your agent writes a $1,200 AP policy. They make $960 and you make $240 on top. It keeps going down the line as your agents build teams of their own.

Run your numbers

What could your month look like?

$17,333premium issued a month
$13,000advance paid out (9 of 12 mo.)
$10,400about what lands (~60% rule)

Estimate only. Uses about 4.33 weeks a month and the rule of thumb that roughly 60% of issued premium lands as deposits after carrier product rates and chargebacks.

The income path

Sell it yourself. Build a team. Then keep going.

Step 1 · Your own sales

Learn the business and get paid on every policy.

You start by mastering the process yourself. Every policy you write pays you a percentage of its yearly premium, and most of it comes up front. As you produce more, your contract level climbs and every sale pays more.

Step 2 · Build your team

Earn on what your team writes.

Once you're producing, you bring on agents and earn the spread on every policy they write, without writing it yourself.

What $20K a month from a team looks like
10 agents×$10K each=$100K
$100K×20% spread=$20K to you
Step 3 · Uncapped

There's no ceiling.

Write more and your level climbs. Grow your team and your agents build teams of their own, and you earn down the line. Agency owners also earn bonuses on total team volume. Your income grows as fast as you do.

Youyour sales
+ Teamthe spread
Teamsof teams
∞agency owner
What you get

You won't figure it out alone.

  • Training & mentorshipLearn the scripts, the products and how to close, from people doing it every day.
  • A team that pushes youAccountability, competition and people who want you to win.
  • Help getting licensedNot licensed yet? We walk you through the exam and setup.
  • No experience neededDrive, coachability and a full-time commitment matter more than a résumé.
Noah and a teammate at their desks in the OntotheNext office with cash
Putting in the work at the OntotheNext office in South Florida.
How it works

From application to first sale.

  1. ApplyTakes about 2 minutes. Tell me about you and your goals.
  2. I review it personallyIf it looks like a fit, I'll send you a link to book a call.
  3. Google Meet with me30 minutes, weekdays between 5 and 10pm Eastern. We go over pay, training and next steps.
  4. Get licensed and trainedWe help you through licensing and get you ready to sell.
  5. Get your first deal and get paid 🤑Close your first policy and collect your first advance.
Questions

Before you apply.

Do I need experience or a license?

No. Plenty of agents start with no sales background. If you aren't licensed yet, we help you get there.

Is this commission-based?

Yes. You're paid on what you and your team produce, with most of each policy's commission paid up front as an advance.

Is this full-time?

Yes. I'm building a full-time team of people ready to commit. If you want a side gig, this isn't it.

Is there a cap on what I can make?

No. Your income grows with your sales, your contract level and the team you build. There's no salary ceiling.

Are there costs to get started?

Getting licensed has some costs, and we'll go over everything on our call so there are no surprises.

What happens after I apply?

I read every application myself. If it's a fit, you'll get a link to book a Google Meet with me.

One day or day one

Want a spot on the team at OntotheNext?

Fill out the application and I'll personally review it. If it's a fit, I'll send you a link to book a Google Meet with me.

Apply to join →
My story · Fort Lauderdale, FL

Zero experience.One vehicle.No ceiling.

I started in July with no sales experience and no work experience, ever. Here's how I found life insurance, what my first months really looked like, and why I'm building a team at OntotheNext.

Where I started

I always knew I'd be rich. I just didn't know how.

I grew up in Fort Lauderdale playing four sports: football, lacrosse, soccer and basketball. I had offers to play football and lacrosse, but I knew that wasn't the path for me. I ended up studying sports business with no real direction, and I knew I was wasting my time.

Noah Critch playing lacrosse for Westminster, number 1
Westminster lacrosse, #1. Four sports growing up.
Finding the vehicle

Life insurance gave me a clear roadmap.

I didn't want a normal job with limited pay. I wanted the upside of becoming a millionaire and the freedom to set my own hours. Life insurance gave me a vehicle to build a real business with a simple, clear roadmap. It's an industry that has made a lot of millionaires, and there's a reason for that.

The first 90 days

The first 90 days are a grind. That's the point.

Nobody tells you how much front-end work goes in before the results show up. In the beginning you're learning the products, running the scripts, making call after call, and hearing no more than yes. You're putting in the hours before the deposits catch up, and that's where most people quit.

This is where you have to believe in yourself before anyone else does. Show up every day, do the work even when it feels like nothing's happening, and trust the process. The effort you put in during those first weeks is building the skills, the pipeline and the confidence that pay you later.

I kept telling myself one thing: if someone else can do it, I can do it, and even better. That's what got me through. Stay coachable, stay consistent, and keep stacking days. The people who push through the first 90 days are the ones who build something real.

  • Believe in yourselfbefore the results prove it
  • Outwork the doubtmore calls, more reps, every day
  • Trust the processthe work compounds
I was just like you

No experience. Just the willingness to work.

If you're reading this and you don't have sales experience, good. Neither did I. What you need is the willingness to put your head down, learn from people who are already winning, and keep going when the results haven't shown up yet.

What drives me

God first. Then hard work and growth.

God is my number one. After that, I'm all about hard work and constantly growing mentally, physically and spiritually. The team I'm building is a group of young, like-minded people with one goal: creating financial freedom and building something that turns into generational wealth and passive income for the long term.

Noah hanging from a bridge over a lake
Always pushing past comfortable.
How to read my numbers

Why I show an IP report.

Anyone can post a big "sold" number. An IP report shows Issued Paid premium, which only counts a policy once it's real:

  1. SubmittedThe client applies. This number doesn't count yet.
  2. IssuedThe carrier approves the application and issues the policy.
  3. PaidThe client's first premium drafts and the policy goes active.
  4. CommissionOnce it's issued and paid, my advance is released.

So the numbers on my IP report are effective numbers: clients who paid, policies that went active, and commission I actually earned. That's the number to judge any agent by.

My real numbers

$141,042 in IP year to date. I started in July.

This is my Family First Life IP report, year to date through October 2026. Every dollar here is the annual premium of a policy that issued and paid.

$10.8KJul
$38.6KAug
$36.6KSep
$53.2KOct
IP report table: YTD $141,042.36, October $53,224.20, September $36,553.40, August $38,581.96, July $10,765.68
Month-by-month IP from my FFL report. Agent number blurred.

What "IP" means

IP is the annual premium of the policies I've written that have issued and paid. If a client pays $100 a month, that policy adds $1,200 of IP. It's the full year of premium, which is what your commission is calculated on.

What IP turns into in your bank

IP isn't the same as what gets deposited. Carrier product rates and chargebacks take a cut, so for an average new agent the rule of thumb is that about 60% of IP lands as deposits. Here's how that works out:

IP written in a month× 0.6 ≈ deposits
$10,000≈ $6,000
$20,000≈ $12,000
$30,000≈ $18,000
$50,000≈ $30,000

The 0.6 rule is an estimate for an average new agent. Actual deposits depend on your contract level, the carriers and products you write, and how many policies stay on the books.

FFL report header showing YTD view for Noah Critch, 2026 October week 5
Report header, YTD view. Phone number blurred.
IP by product: Whole Life $131,079.48, Term Life $576.00, UL $8,442.24, All Life $140,097.72, Health $0, Annuity $0
IP by product type. Captured at a slightly different time than the monthly table, so the total is a little different.
Results vary

No floor. No ceiling.

These are my numbers, not a promise of yours. Results are different for every person and depend completely on you. What you put in is what you get out. There's no guaranteed floor, and there's no ceiling on what you can build.

“One day or Day One. You decide.”Noah Critch
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