Most carriers pay within 24-72 hours of policy approval and first premium draft if you’re on an advance.

If the product has a renewal, yes. You own your renewals forever.

Instead of getting paid monthly as the client pays, most carriers give you 75% of your first-year commission upfront (9 months), and the remaining 25% is paid out months 10-12 as they happen.

If a client cancels within the first year , the carrier takes back the unearned portion of your commission

• Example: You sell a $100/month commission policy with a 75% advance ($900 advance).

• If the client cancels after 3 months, you’ve earned the $300, but you owe back $600 for the unearned months.

Some carriers and products have their own specific policy you should always check with them directly.

Sell the right way. The way we teach. Our agency cancellation rate across 200+ agents is less than 10%

Make sure the client understands the policy and the payment, and is ABSOLUTELY comfortable with that payment, if it sounds like a stretch, it probably is .

Make sure you are also lining up draft dates with days that make sense. For example: Social security/Disability 1st or 3rd or 2nd/3rd/4th Wednesday

Reach out to clients a few days before draft as well as a reminder that the payment is coming up.

Your contract level is the percentage of the first-year premium you earn as commission.

• 100% contract → If the annual premium is $1,200, you get $1,200 commission.

• 70% contract → You’d get $840 commission instead.

Can I increase my contract level? Yes, it’s based on production and persistency. Check the compensation page for all details.

Based on lead type:

• Cold leads → 3-7%

• Warm leads → 10-30%

• Referrals → 50%+

Yes, but you need a non-resident license for each state. Apply through NIPR.com. You do not have to redo any testing. It is quick and easy.

Yes, most carriers require it. Covers you in case a client claims you misrepresented a policy.

Call more people, go back and listen to your calls, attend live dialing , attend call reviews, get deeply involved, attend training sessions, the more you put into it the longer you can expect to stay in the game. Most new agents fail because they don’t talk to enough people or they don’t put any effort into running their business. It’s a numbers game.

Depends on the carrier and product type. General rule of thumb is that for term policies you’re asking about how their health has been for the last 10 years, if it’s a long list of stuff, most likely decline.

Final expense: Your asking about their health in the last 2 years, and from your carrier guide you should know where to place them to avoid a decline.

Not taking action fast enough. They get stuck in “learning mode” instead of actually selling. You can only train for so long, but nothing is going to be better than getting into the line of fire.

Stay consistent, master the sales process, and focus on keeping clients. The agents making $250K+ did the boring work every day. Most importantly, you are running a business and you need to treat it like one. Stay consistent, stay organized, stay on top of things

No. Building a team is a privilege that must be earned. We only allow top performers to take on that responsibility. This is not an MLM-style insurance agency. Once you’ve earned the right, there are generous overrides and bonuses available to leaders — but first, you must prove yourself as a top performer.