Build Your Own Financial Services Business
Recruit. Earn. Scale. Create Lifetime Income.
I'm Anil Aggarwal — broker and financial professional. I'm looking for serious agents in New York, New Jersey and across the USA who want to own a financial services business instead of collecting a capped commission check.
- Insurance
- Retirement Planning
- Fixed Indexed Strategies
- 401k/IRA Rollovers
- Lifetime Income
- Tax Optimization
- Debt Planning
- Estate Planning
Carriers
60+
Independent access, not one shelf
Starting contract
70%
From your first placed case
Personal top level
130%
No recruiting required
Tell me where you are — I'll tell you what this pays
Two minutes. You get a free Expert Financial Analysis, a straight answer on the contract, and a $299 → $30 pre-licensing course code if you still need your license.
Who should apply
Built for agents who are being held back
Licensed life insurance agents
Especially if your license is idle, your grid is low, or your current shop restricts your carriers.
Real estate agents
You already run listing appointments with families about money. Add protection and retirement planning to the same conversation.
Mortgage professionals
Every loan file already contains the income, debt and beneficiary conversation life insurance depends on.
Career switchers
No license yet? We walk you through pre-licensing, the state exam and appointments, and you get a discounted course code.
Builders
People who want a business with leverage, overrides and equity — not another commission-only sales job.
Why join us
Why this instead of a traditional insurance company
01
Own your business from day one
Your clients are your clients — not the company's.
You build a book you control and can keep growing, hand down or sell. Captive agents write business that belongs to the company; if they leave, the book stays behind.
02
Work with 60+ carriers
Recommend the right product, not the only product.
Independent access to 60+ top U.S. carriers means you can shop underwriting, ratings and product design for the client in front of you instead of forcing one company's chassis onto every case.
03
Start at 70% commission immediately
No waiting period, no probation grid.
Get licensed, get appointed and your first contract is 70% of the carrier grid. Many captive and W-2 shops start new agents far lower and hold back renewals.
04
Grow to 130% without recruiting
The personal producer track has no team requirement.
Personal production alone moves you up the grid: 70% → 85% → 100% → 115% Executive Director, plus up to 15 points of personal producer bonus for 130% total. You never have to recruit a single person.
05
Build a team and earn overrides
Seven generations of override on team production.
If you want leverage, you earn overrides on the first-year commission your team writes: 14% first generation, then 7%, 3%, 2%, 1%, 0.5% and 0.5% — up to 158% total grid payout in the field.
06
Equity opportunity
Ownership, not just commission checks.
Qualifying builders get access to wealth-building and equity programs on top of commissions, so the business you build can hold value beyond this month's production.
How you make money
Three income streams, one contract
Active income
Personal production
Commission on what you personally write, starting at 70% of the carrier grid and growing to 130% with no recruiting required.
Leverage income
Team overrides
Override percentages on the first-year commission your team writes, through seven generations (14/7/3/2/1/0.5/0.5).
Passive income
Renewals and residuals
Renewal and service commissions on business that stays on the books, so past work keeps paying while you write new business.
Start
70%
Financial Associate contract
Personal ceiling
130%
Own production only, no team
Total field grid
158%
Overrides through 7 generations
Straight talk
An important message for licensed agents
You already hold a license but you are not making money
An idle license earns nothing and still costs you continuing education and renewal fees every cycle.
Bring the license here, get appointed with 60+ carriers, and run a proven appointment process with a mentor on your first cases.
You are captive to one company
One product shelf means declined and rated cases walk away, and your book belongs to the company, not to you.
Contract independently, keep ownership of your clients, and place the case that actually fits the client.
Your broker restricts what you can do
"You cannot do real estate and insurance" is a policy decision, not a legal one — and it caps your income.
Here you can hold life, mortgage and real estate licenses at the same time and earn from all three.
You are on a W-2 salary with a production quota
A salary caps the upside on your best month and none of the residual value accrues to you.
Independent contracting pays you the grid on every case, plus renewals on business that stays in force.
For real estate agents
Already a Realtor? This is the second business that fits.
Cost and time to get licensed
Real estate: 60–180 hours of coursework in most states, plus exam, fees and board/MLS dues
Life insurance: 20–40 hours in most states, exam and fees — typically 2 to 6 weeks total
Ongoing cost to stay in business
Real estate: MLS, association dues, E&O, lockbox, signage, photography, portal leads
Life insurance: Platform/technology fee, E&O, CE — no MLS or listing marketing spend
Sales cycle
Real estate: Weeks to months from first showing to a closing that can still fall apart
Life insurance: One or two appointments; e-App to placement in days or weeks
Commission per completed transaction
Real estate: A percentage of sale price — the largest single check in the comparison
Life insurance: A percentage of first-year premium, smaller per case but far more cases per month
Income after the deal closes
Real estate: Nothing recurring; income resets to zero with the next month
Life insurance: Renewal/service commissions for as long as the policy stays in force
The system
A simple, proven customer journey — you are never alone
01
Intro conversation
Kitchen table or Zoom. Fifteen to twenty minutes to understand the family, the income, the debts and what they want money to do.
02
Expert Financial Analysis (free)
A complimentary written analysis: protection gap, retirement income gap, tax exposure, debt payoff order and estate basics.
03
Solutions and recommendations
Independent options from 60+ carriers presented side by side, with the trade-offs explained in plain English.
04
Application submission
e-App, underwriting, and follow-through to placement. Your mentor sits in on your first several cases.
05
Annual review
Yearly review keeps the policy healthy, the coverage current and persistency high — which protects your renewals.
06
Referrals and repeat business
Served clients introduce family and coworkers. This is where a book of business compounds instead of resetting every month.
Not licensed yet?
We sponsor your course: $299 → $30
What the coupon does and doesn't cover
- One coupon per person, tied to the email you submit.
- Coupon applies to the sponsored pre-licensing / exam-prep course only. State exam, fingerprinting and license application fees are paid directly to the state or its vendor and are not discounted.
- The coupon is not conditional on contracting with us, and no commission or fee is charged for issuing it.
- Coupons are valid for 60 days from issue and are not transferable or redeemable for cash.
Next step
Book a call — free Expert Financial Analysis
I am Anil Aggarwal, and I help individuals and businesses with insurance, retirement planning, tax optimization and lifetime income strategies. We work with 60+ top U.S. carriers to provide independent solutions. Before recommending anything, we offer a complimentary Expert Financial Analysis. Would you be open to scheduling a quick session in the next couple of days?
Have questions first?
Use the AI assistant in the bottom corner of any page. It answers from this site's published contract, licensing and comparison information — commission levels, overrides, licensing steps, part-time, the coupon. It won't promise you income, and it won't give you individual financial advice.
Prefer reading? Start with the FAQ.
Important: This site describes an independent contractor business opportunity in insurance and financial services. Commission levels, override percentages and any income figures shown are illustrations of the published contract structure, not a promise, guarantee or projection of what you will earn. Actual commissions vary by carrier, product, state, contract level and personal production, and most of what you earn depends on your own sales activity. Nothing here is an offer of employment, a salary, a securities offering or individualized financial, tax or legal advice. You must hold the applicable state license and carrier appointments before selling any insurance product.
- Agents at Experior Financial Group are independent contractors, not employees. There is no salary, no W-2 and no guaranteed income; you are paid commissions on the business you personally write and overrides on the business your team writes.
- Commission and override percentages on this site reflect the published USA contract grid. Carrier and product grid factors vary (roughly 90% of chart on average), so real payouts differ from the illustration.
- Calculator results are arithmetic on the numbers you type in. They are illustrations, not projections, quotes or guarantees of income.
- No fee is charged for the Expert Financial Analysis, for using this site, or for being interviewed. Standard agency technology/platform fees and your own state licensing and exam costs are disclosed to you before you contract.
- Recruiting is optional. The personal producer track grows to the top personal contract level with no team and no recruiting requirement.
- You must be at least 18, complete your state's pre-licensing requirement where applicable, pass the state exam and clear a background check before you can be appointed and sell.