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Commission math

If you want to do right by families, this is how you get paid.

If you made it here, you followed a system and didn't just jump to what you'd be paid. That matters more than it sounds like it should.

Most shops won't show you this until you've sat through two calls and a "vision meeting." Move the numbers yourself. This is one policy, start to finish.

$

$165 is a typical final expense case. Term and IUL run higher.

%

Contract level — we show you the full grid on the first call

policies

Move it yourself. We're not going to pick a number for you. For scale, per week: the average agent places 2–4, top producers 5–10, and the top 1% place 10+.

Monthly premium × 12 $1,980
Annual premium × 90% comp $1,782
Total commission, one policy $1,782
After effective date
75% advanced $1,336.50
Month 10 $148.50
Month 11 $148.50
Month 12 $148.50
Advanced that month
at this volume $10,692.00
Twelve months
at this pace $171,072.00
That last number is arithmetic, not a forecast. It assumes you hold that pace every month for a year, that nothing lapses, and that nothing in your life goes sideways. Nobody's first year looks like a flat line. The calculator can't tell you how your first year will actually go.
Read this part too. The 75% is advanced by the carrier and direct-deposited after the effective date. The remaining 25% is earned out across months 10, 11 and 12 — and only if the policy is still on the books. If it lapses, the advance is charged back. That's why we'd rather you write a policy a family can actually keep than the biggest one they'll say yes to.

Multiply by however many you place. That's the entire formula — there's nothing else to it and nothing hidden underneath it. What we won't do is multiply it for you and call the result your income. On the first call we'll show you what our producers actually placed: the top, the middle, and the bottom.

Illustration only. Comp levels, advance rates and earn-out schedules vary by carrier and product. Nothing here is a projection or a guarantee of earnings.
Before you trust that number

We only write good business.

The average life insurance agent in the U.S. sells 2 to 4 policies a week. Top producers sell 5 to 10. The 1% sell 10 or more.

2–4policies a weekThe average agent
5–10policies a weekTop producers
10+policies a weekThe 1%

This agency has a couple in the 1%, and it's loaded with up-and-coming top producers.

The difference between us and everyone else: we only write GOOD business. We don't put anything on our books that has no business being there, because that leads to a chargeback.

  • What's a chargeback?

    You get paid up front. If the client cancels or stops paying before you've earned that commission, the carrier takes it back from you. Paid on Monday, owed on the way out.

  • What's rolled-up debt?

    Build a team, and say someone you hired racks up chargebacks and then leaves the business. That debt doesn't disappear. It rolls up to whoever hired them. It has taken out some amazing agents, because they hired any and everyone. We don't.

  • What's getting vectored?

    When chargeback debt goes unpaid, a carrier or agency can report it to an industry database of agents who owe money, commonly called Vector. Other carriers can see it, and they are reluctant to appoint an agent who owes someone else. It can end a career before it starts.

Follow our system and our standards, and you won't have to worry about any of them.

Ready to talk about it? Apply here, or go back and start from the top if someone sent you straight to this page.