Your Next-Level Opportunity in Insurance, Benefits & B2B Sales
Careers
Next Gen Financial, LLC
Join a modern team offering high-ticket solutions, freedom, and residual income.
Whether you're licensed or exploring a new income path, we’ll help you plug into a proven model built for growth. Offer cutting-edge insurance plans, employee benefits, and high-value B2B services—backed by expert onboarding, a full CRM, and concierge-level support. Work remote or in the field, part-time or full-time, with no cap on commissions. This isn’t just a job—it’s a scalable career path with real residuals and total flexibility.
Louis P. Meyer, ESQ.
⭐⭐⭐⭐⭐
I highly recommend Ramon Fazah. I have known him for over a decade and have always known him to have a high level of integrity and good business ethics. He takes care of his clients like they are family. He has always been very successful and it is because he is patient and understands what his clients need and always delivers. Ramon Fazah is an excellent business partner.
Happy Customers
More than 100's clients taken care of!
Services
Turn Business Connections Into Revenue
We help businesses cut costs, boost retention, and recover lost revenue.
Here’s the best part…
Every dollar a company saves through your referral can put money in your pocket.
Employee Benefits & Insurance Solutions
Protect your team, control costs, and stay compliant with flexible, affordable employee benefits programs that attract and retain top talent.
1. Core Health Benefits
Health Insurance (Fully-Insured, Level-Funded, Self-Funded)
Dental & Vision Insurance
2. Life & Income Protection
Life Insurance
Disability Insurance (Short & Long Term)
Ancillary Coverage
3. Compliance-Ready Benefits Programs
ACA & ERISA Compliance Solutions
Section 125 / Cafeteria Plans
Plan Funding Strategies
4. Employee Retention & Cost Optimization
Flexible Plan Design
Integrated Wellness Programs
Employer Cost Savings
Business Growth & Profit Solutions
Unlock savings, funding, and automation with solutions that help businesses grow, protect assets, and maximize profits.
1. Employee & Financial Wellness
Employee Wellness & Section 125 Plans – Offer no-net-cost benefits
Attorney-Backed Debt Resolution
2. Business Funding & Operations
Business Funding & Corporate Credit
Smart Payment & Merchant Systems
I-Powered CRM & Marketing Automation
3. Tax & Legal Optimization
Entity Formation & Asset Protection
Comprehensive Tax Planning & Mitigation
R&D Tax Credit Recovery
Estate Planning with Attorney Support
4. Energy & Sustainability
Residential & Commercial Solar – Reduce energy costs
Deregulated Gas & Electric Procurement – Lower utility
We are a 100% performance-driven business.
We only make money by helping companies save money.
Insurance Careers
Next Gen Financial, LLC
A Future You Can Build With
the Right Support
You’ve built skills. Now build your future. Join a team that delivers qualified leads, full training, advanced tools, and ongoing support so you can focus on what you do best — helping people.
ABOUT US
Next Gen Financial, LLC is an independently owned and operated, national full-service life, health, and employee benefits brokerage firm based in Sacramento, CA.
We’ve pioneered a unique, profitable, and risk-free program for insurance agents, agencies & business professionals who want to earn true passive income by making introductions to companies that can benefit from our innovative B2B services. These solutions create operational efficiencies, reduce costs, and deliver measurable savings for companies of all sizes and industries.
Every business today is facing skyrocketing costs, inflationary pressures, and challenges to profitability—not to mention the economic impact on their employees. That’s where Next Gen Financial, LLC comes in. We provide leading-edge, cost-saving solutions that address these issues head-on, helping companies streamline accounts payable, lower operating expenses, and reduce taxes.
For experienced professionals, this is an opportunity to open doors and connect businesses with timely, no-cost solutions—without the typical burdens of running a business.
No investment required
No overhead
No employees
No Risk
Join a Team That
Invests in You
Ramon Fazah
Agency Owner & National Recruiter
Inc Lic #: 0M41435 NPN: 18826150
Next Gen's Mission & Statement
Mission
At Next Gen Financial, our mission is to empower individuals, entrepreneurs, and business owners with innovative financial solutions that build lasting wealth, protect what matters most, and fuel long-term success. Through our elite network of advisors and partners, we deliver cutting-edge insurance, benefits, and business funding strategies—designed to maximize impact, reduce risk, and create residual income opportunities for a new generation of leaders.
Vision
To be the nation’s most trusted platform for modern financial empowerment—where everyday people and business owners access elite-level solutions in insurance, benefits, and funding. We envision a future where smart systems, strategic partnerships, and personal mentorship unlock generational wealth and financial freedom for those ready to lead the next generation.
About Us
Join a Team That
Invests in You
Ramon Fazah
Agency Owner & National Recruiter
18826150
Everything You Need To Succeed
At A Glance
Our turnkey, white-glove concierge platform makes it easy to scale and succeed. From solo business owners to 10,000+ employee groups, our Market Directors work your referrals at the highest level—so you can stay hands-on or completely hands-off. New to the industry without a license? We’ve got you. Licensed pro or agency owner? We offer plug-and-play tools to grow your business fast. Already in life insurance? Bolt on employee benefits and stay focused on your core. P&C agency? Add a new income stream without extra overhead. No matter your background, we have a done-for-you solution built for results.
Why Start a Career in Benefits & B2B Sales?
Build a purpose-driven career in benefits and B2B sales—with flexibility, real impact, and powerful income potential. Help businesses thrive while growing your own.
What Will I Get If I Work With Your Team?
When you join our team, you gain access to top-tier leads, powerful AI driven marketing systems, white glove concierge support, mentorship, and training designed to help you succeed. No guesswork. No limits.
Exclusive Health Plans & B2B Solutions
Build a purpose-driven career in benefits and B2B sales—with flexibility, real impact, and powerful income potential. Help businesses thrive while growing your own.
High-Earning Residual Products
Earn long-term income with lifetime-commission plans, renewal benefits, and B2B products that never go stale.
Turnkey Section 125 Wellness Plans
Help businesses boost take-home pay for employees using compliant tax-saving health incentives and programs.
Concierge Sales & Submission Support
Get white-glove help on quoting, proposals, onboarding, and compliance—so you can stay focused on selling.
Built-In Pharmacy Cost Savings
Cut costs with our exclusive PBM, saving clients 20–40% without changing employee prescriptions or providers.
Powerful B2B Selling Platform
Bring white-labeled cost-saving tools and workforce solutions to business owners—without needing a license.
Everything You
Need To Succeed At A Glance
Why Become an Insurance Agent?
Becoming an insurance agent gives you the opportunity to build a career with purpose, flexibility, and strong earning potential. Serve real people while growing your own business.
What You’ll Get With Us
When you join our team, you gain access to top-tier leads, powerful systems, mentorship, and training designed to help you succeed. No guesswork. No limits.
Reviews
Help People.
Build a Career.
Join a high-performance team that makes a difference
Louis P. Meyer, ESQ.
I highly recommend Ramon Fazah. I have known him for over a decade and have always known him to have a high level of integrity and good business ethics. He takes care of his clients like they are family. He has always been very successful and it is because he is patient and understands what his clients need and always delivers. Ramon Fazah is an excellent business partner.
Shari LaRocque
Ramon was able to do what my past broker, bank or lender had never been able to do. He was able to re-fi my house. It was an extremely complicated case that required intricate detail and a mound of paperwork. He thought it through, organized the paper trail, and made it happen. And the deal he worked blew me away. It's also the reason I'm sending my friends his way. I highly recommend him for his tireless dedication to his clients, his attention to detail and his creativity to do the impossible.
Sean Boyd CPA, CFP, CVA
Ramon helped one of my clients refinance four investment homes under the HARP II program. This is NOT as easy as it sounds. Banks will do just about everything to stall this process so customers get frustrated and give up and stay with a higher interest rate. They require a broker with tenacity and a commitment to see the deal through to the end. This is a hard work project. At the end of the day, the client got a 3.625% interest rate on investment property! Very few folks can make this happen but Ramon saw it through to the end.
Reviews
Help People. Build a Career.
Join a high-performance team that makes a difference
Louis P. Meyer, ESQ.
"I highly recommend Ramon Fazah. I have known him for over a decade and have always known him to have a high level of integrity and good business ethics. He takes care of his clients like they are family. He has always been very successful and it is because he is patient and understands what his clients need and always delivers. Ramon Fazah is an excellent business partner."
Shari LaRocque
"Ramon was able to do what my past broker, bank or lender had never been able to do. He was able to re-fi my house. It was an extremely complicated case that required intricate detail and a mound of paperwork. He thought it through, organized the paper trail, and made it happen. And the deal he worked blew me away. It's also the reason I'm sending my friends his way. I highly recommend him for his tireless dedication to his clients, his attention to detail and his creativity to do the impossible."
Sean Boyd CPA, CFP, CVA
"Ramon helped one of my clients refinance four investment homes under the HARP II program. This is NOT as easy as it sounds. Banks will do just about everything to stall this process so customers get frustrated and give up and stay with a higher interest rate. They require a broker with tenacity and a commitment to see the deal through to the end. This is a hard work project. At the end of the day, the client got a 3.625% interest rate on investment property! Very few folks can make this happen but Ramon saw it through to the end."
More Info
Important Questions
Why Start a Career in Benefits & B2B Sales?
A career in Benefits and B2B Sales offers the best of both worlds: purpose-driven work and real financial upside—with no cold calling and powerful systems already in place to help you succeed.
Whether you’re brand new or already licensed, this path lets you:
💼 Help business owners solve real problems—from lowering benefit costs to boosting employee retention
💰 Earn high-ticket, residual income from services companies renew year after year
🔁 Create repeat business and long-term client relationships
🧩 Leverage our plug-and-play platform with exclusive products, proven scripts, lead tools, and concierge support
💻 Work from anywhere, on your terms, with full flexibility
🚀 Stand out with access to unique, tax-saving plans and tech-driven B2B offers most agents don’t have
You don’t need to chase leads, pressure friends, or reinvent the wheel. We’ve built the infrastructure—you just plug in, follow the
What Will I Get If I Work With Your Team?
When you join our team, you gain access to top-tier leads, powerful AI-driven marketing systems, white-glove concierge support, mentorship, and training designed to help you succeed. No guesswork. No limits.
But that’s just the beginning. Here’s what else you’ll get:
✅ Exclusive, high-demand B2B and employee benefits products — including Section 125 plans, wellness programs, business funding, and other tax-saving solutions
📲 Plug-and-play marketing tools — websites, funnels, presentations, proven scripts, and outreach templates all ready for you to use
🤝 No cold calling — we focus on warm strategies, strategic outreach, and value-based consulting
🧭 Concierge onboarding & deal-closing support — you’ll never be left figuring things out on your own
💰 Residual income streams — earn on renewals, referrals, and team overrides
🔓 Total flexibility — work part-time or full-time, remote or in-person, as a standalone producer or alongside your current business
📊 Real enterprise-level case studies — leverage our national client savings data to open doors and close deals with confidence
Whether you're licensed or brand new, we’ve built a system that lets you plug in, get moving fast, and scale without limits.
What Makes Working With Your Carriers and Platform Special?
We help you build a purpose-driven career in benefits and B2B sales—with the flexibility to work on your terms, the power to create real impact for businesses, and the potential to build long-term, residual income.
What sets us apart is unmatched access to carriers and platforms you won’t find anywhere else:
🔒 Exclusive, proprietary health plans & B2B solutions — including Section 125 health & wellness plans and private-label benefits programs not available through traditional channels
🧩 Custom-built health plans from best-in-class carriers—fully tailored to each employer group
🔄 Carrier-agnostic flexibility — we bring the market to bear, representing all major national and niche carriers without bias
💼 Access to bundled solutions — from benefits to business funding, tax strategy, and compliance support, all under one umbrella
🤝 True consulting value — not just quoting plans, but solving real problems and delivering measurable savings and outcomes
You're not tied to one product or one carrier—you’re empowered with the freedom to offer what’s truly best for your client while building a business that grows with you.
What Are Some of Your High Earning Residual Products?
We offer a diversified portfolio of high-earning, high-retention products that generate ongoing residual income and provide real value to both individuals and businesses. These are not just one-time transactions—they’re long-term solutions tied to recurring needs and services.
Here’s a breakdown of some of our most powerful income-producing products:
💼 Employee Benefits & Health Savings
-Section 125 Health & Wellness Plans
Save employers on payroll taxes with no-net-cost benefits; residual income per employee.
-Proprietary & Level-Funded Health Plans
Custom-built health solutions with premiums and service-based residuals.
⚡️ Energy Cost Savings
-Residential & Commercial Solar Solutions (Nationwide)
Help clients lock in lower energy costs with long-term contracts that pay out over time.
-Deregulated Energy Programs
In eligible states, offer utility cost savings with residual payouts on enrolled usage.
🏛️ Tax, Credit & Business Solutions
-ERC Recovery, WOTC, & R&D Tax Credits
High-ticket payout and strong client demand with repeat credit cycles.
-Credit Repair & Debt Resolution
Attorney-backed programs with recurring monthly payments and strong retention.
-Business Lending & Capital Access
Earn on SBA loans, lines of credit, MCA, and more—plus overrides if you build a team.
-Entity Formation, Business Credit, & Tax Prep Readiness
One-stop shop for entrepreneurs to get legally and financially structured—easy to refer and bundle with other services.
🧾 Estate & Financial Planning
-Living Trusts & Estate Planning Services
Affordable, attorney-backed estate solutions that pay out residually when bundled.
-Life Insurance & Final Expense
Lifetime renewals, strong retention, and cross-sell potential.
These offerings are sticky, scalable, and solve real problems—which means stronger client relationships and residual income that grows year over year.
What Does Concierge Sales & Submission Support Mean?
It means this is truly a plug-and-play opportunity—you can be as involved or hands-off as you want. Whether you’re actively selling or just referring, we’ve got you covered.
Here’s what our white-glove support includes:
📲 Referral-Friendly Sales Process – You don’t even have to present. Simply refer the business, and our carrier-appointed Market Directors will handle 100% of the sales process for you.
📋 Quoting & Proposal Preparation – If you want to be more involved, we’ll prepare accurate, professional proposals for you—no guesswork or learning curve needed.
🧾 Submission & Application Handling – We take care of all the paperwork, carrier submissions, and admin follow-through.
🚀 Onboarding & Enrollment Support – Whether it's a business owner or a full group, our team ensures smooth setup from start to finish.
✅ Compliance Oversight – We make sure everything is buttoned up and compliant, so you don’t have to worry about the legal side.
In short: You can plug in, refer, and earn—without disrupting your core business. Or, if you want to dive in and grow a book of business, the tools and team are here for that too.
Do I Need Experience to Apply?
No experience is required. Whether you're just getting started or already have business relationships, you can plug into our platform and start earning by simply referring companies to our savings solutions.
We’re a 100% performance-driven business—we only make money by helping companies save money. That means no upfront sales pressure, no financial risk, and no cost to your clients unless we deliver real results.
This is an especially smart add-on for:
🏢 P&C agencies
💼 Life insurance brokers
📊 Financial professionals
🤝 B2B consultants & networkers
If you're already serving business clients, this is a powerful way to add new revenue streams while staying focused on your core business.
✅ No license is required to offer our B2B cost-saving solutions
✅ For those who want to offer employee benefits, we’ll help you get licensed and guide you through the process
With our plug-and-play platform, you’ll get:
🔁 High-retention, residual income products
🤝 Expert carrier teams who handle the sales for you
🧠 Full concierge support, training, and marketing tools
🕒 Flexible commitment—you control your schedule and involvement
If you're in the insurance or financial space, you can generate a new stream of high-ticket, residual revenue while staying 100% focused on your core business. Just refer your existing clients, and our expert teams handle everything else—from sales to support.
With our B2B partners and our exclusive carrier network, you can:
💼 Leverage your existing business relationships to introduce services that solve real problems
💰 Earn five, six, or even seven-figure residual income over time by helping employers reduce costs
🕒 Work at your own pace, whether you're looking to build a new income stream or just add to your current business
🧩 Get full support, no guesswork—we provide the team, tools, and training to help you succeed
🚫 No sales experience required—you can refer and earn while our carrier-appointed teams handle the presentations and closing
This is a real, low-risk way to build scalable income, whether you’re part-time, full-time, or simply leveraging your existing network.
Is This a Remote or In-Person Opportunity?
It’s 100% flexible—you decide.
You can work remotely from anywhere or choose to meet with business owners and clients in person if that’s your style. Many of our partners build successful income streams entirely online, while others prefer a local, face-to-face approach.
💻 Work from home or on the go
🧑💼 Plug in part-time alongside your current business or job
🌍 Build nationwide without territory restrictions
🛠️ Full digital tools, training, and back-office support included
Whether you want to grow a book of business or just refer and earn, this is a location-independent, plug-and-play platform that works around your life—not the other way around.
How Soon Can I Get Started?
You can get started today—it’s that simple. Whether you’re licensed or brand new, we have a path for you:
🔹 Licensed Agents
Ready to plug into our concierge benefits program? Click here to get set up and start earning:
👉 Get Started Now!
🔹 Non-Licensed Professionals
Curious about our core B2B solutions with no license required?
👉 Watch a short video, learn more & GET Started
And if you're licensed and want to explore both tracks—go for it. Many of our top partners start in multiple verticals to maximize their income potential.
There’s no cost to get started and no pressure—just opportunity.
Plug in, follow the steps, and we’ll support you from day one.
Will I Receive Support and Training?
Absolutely. We provide full training, mentorship, and real-time support so you're never left guessing—whether you're referring business or building a full-time book.
Here’s what you’ll get:
🧭 Concierge Onboarding – Step-by-step guidance to get set up, licensed (if needed), and plugged in fast
🎓 Live Weekly Carrier Trainings – Join us via Zoom:
Wednesdays at 12 PM PST / 3 PM EST
Fridays at 8 AM PST / 11 AM EST
💬 Private WhatsApp Chat – Access our exclusive group for all-day Q&A, peer support, and real-time updates
🤝 1-on-1 Mentorship & Coaching – Learn from top producers and leaders who are actively in the field
📲 Plug-and-Play Sales Tools – Scripts, funnels, presentations, and marketing templates ready to go
✅ Ongoing Back-Office Support – We handle quoting, submissions, and compliance so you can stay focused on growth
Whether you're brand new or a seasoned pro, our platform is designed to support your success at every step.
More Info
Important Questions
What Does the Application Process Look Like?
After submitting your application, we’ll review your information and reach out if it looks like a good fit. From there, we may invite you to a short interview to learn more.
Do I Need Experience to Apply?
Not necessarily. While experience is helpful, we welcome individuals who are motivated, coachable, and ready to learn. Training and support are available if you’re new to the industry.
Is This a Remote or In-Person Opportunity?
The role can often be done remotely, depending on your location and licensing requirements. We’ll provide details during the interview process.
How Soon Can I Get Started?
Once your application is approved and onboarding is complete, you can begin right away. Licensed agents may start faster, while unlicensed candidates may begin training first.
Will I Receive Support and Training?
Yes. We provide structured training, ongoing mentorship, and access to systems and tools to help you succeed at every stage of your career.
LET'S WORK TOGETHER!
Producers, if you are looking to make your life easier without sacrificing any income, you’re at the right place. In fact, with the efficiencies you’ll enjoy and the support you’ll receive, you’ll have more opportunity to grow your business!
There’s no time like the present!
Looking for Purpose-Driven Work With Real Rewards?
Next Gen Financial, LLC is committed to supporting you at the highest level in your insurance career journey.
Company
Directories
Legal
Next Gen Financial, LLC is committed to supporting you at the highest level in your insurance career journey.
Company
Directories
Legal