Three ways to earn — your personal sales, your advancement, and overrides on the team you build. Here's exactly how it works.
When you write a policy, the carrier pays a commission based on the premium and product type. Your share is set by your contract level — the percentage you're appointed at. As you produce and develop, your contract level increases, so you earn more on the very same sale.
Everyone starts as an Associate and advances by hitting production and team-development milestones. Higher rank = higher personal payout and a wider override spread on your team. Promotions are based on results, not seniority.
Newly licensed and appointed. Learning the products, writing your first policies with a mentor alongside.
Consistent personal production. Higher personal commission and eligible to begin building a team.
Producing personally and mentoring 1–3 active agents. Earns override on direct team production.
A stable, producing team. Wider override spread plus eligibility for generational overrides.
Multiple Team Leads developing beneath you. Overrides across several generations of agents.
A self-sustaining organization. Top contract level, full generational overrides, and leadership bonuses.
Rank names and milestones shown are illustrative of the advancement structure. Exact contract levels, qualifications, and percentages are defined in your agent agreement and carrier schedules and are provided in writing before you sign.
When you mentor an agent who's at a lower contract level than you, you earn the difference (the "spread") between your level and theirs on the business they write. It's not taken out of their pocket — the carrier pays each level its contracted percentage. This is how leaders are rewarded for training and supporting producing agents.
As you advance, you don't just earn on the agents you personally bring in — you earn smaller overrides on the agents they develop, several generations deep. This is what turns a team into a durable, partly passive income stream.
Agents you personally sponsor and mentor.
Agents developed by your 1st generation.
Deeper teams, unlocked at higher ranks.
Number of payable generations and the percentages for each are tied to your rank and are detailed in your agent agreement. Generational overrides require you to maintain your own qualifying production.
The exact contract levels and override percentages are shared in a quick opportunity call — and put in writing before you ever commit.
See the Opportunity →