FFL LIGHTS OUT
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San Diego built · Life & Final Expense

Lights Out

Build your own insurance agency under Shawne Merriman and the Spektra system. No ceiling. No off-season. Just families protected and pros paid.

Suit up ↓ Licensed or not — if you've got the motor, there's a spot.
No cap
Uncapped comp
Industry-leading commissions. Your effort sets the ceiling, not a salary band.
Leads
Real lead program
Stay in front of families who asked for coverage instead of cold-chasing.
1-on-1
Champion coaching
Daily reps and mentorship from a team built around closing, not theory.
Own it
Your own agency
Build a book and a team with your name on it — equity, not just a paycheck.

The locker room

Train under
a legend.

Shawne "Lights Out" Merriman made his name terrorizing offenses in San Diego. Now he's building a team off the field — agents who want to win, protect families, and earn like the pros they are.

FFL Lights Out, powered by Spektra Insurance Solutions, hands you the playbook: the leads, the carriers, the coaching, and a culture that doesn't do average. New to insurance? We'll walk you through getting licensed and put reps under your belt fast.

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Get licensed (or come ready)No experience required — we help you get your life insurance license.
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Plug into the systemLeads, scripts, and tools that take the guesswork out of week one.
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Get coached upLive training and mentorship from agents who actually close.
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Build your rosterGrow your own agency and earn on the team you build under you.

Step onto the field

Get on the roster

Drop your info and Shawne's team will reach out about joining FFL Lights Out.

You're on the depth chart

Got it. Someone from FFL Lights Out will reach out shortly. Keep your phone close — the call's coming.