LIALifeInsuranceAgentsRecruit. Earn. Scale.

How you get paid

The compensation structure, in full

Commission is a percentage of the carrier's grid on the annualized premium you place. Your contract level sets the percentage. Nothing below is a promise of income — it is the published structure the percentage comes from.

Starting contract

70%

From your first placed case

Personal ceiling

130%

No team, no recruiting

Total field grid

158%

Personal plus override generations

Track 1

Personal production — no recruiting required

Every level below is reached on your own production. This is the whole reason the personal producer track exists: you can build a large personal income without ever sponsoring anyone.
Percentages are of the carrier commission grid, not of premium.
Contract levelPersonal payoutHow you get there
Financial Associate70%Starting contract once you are licensed and appointed.
Senior Financial Associate85%Submit roughly $10,000 of personal premium within a three-month window.
Senior Manager100%Continued personal production; team production counts on the builder track.
Senior Manager 1107.5%Next production tier above Senior Manager.
Senior Manager 2115%Top Senior Manager tier.
Executive Director115% + up to 15 ptsExecutive Director contract plus personal producer bonuses, up to 130% total payout.

Promotion track at a glance

  • Financial Associate70%
  • Senior Financial Associate85%
  • Senior Manager100%
  • Executive Director115%
  • Senior Executive Director120%
  • Top levels125% – 130%

The number that actually hits your account

Carrier and product grid factors vary. Across carriers, real payouts average close to 90% of the published chart, so a 100% contract on a product paying 85% of chart is 85% to you. The calculator lets you set that factor.

Track 2

Team overrides — optional leverage

If you choose to build, you earn an override on the production of agents in your organization, through seven generations. First generation is the people you personally bring in; second generation is the people they bring in, and so on.
Overrides total 28 points across seven generations. Combined with the top personal contract, the field grid reaches 158%.
GenerationOverride
1st generation14%
2nd generation7%
3rd generation3%
4th generation2%
5th generation1%
6th generation0.5%
7th generation0.5%

Overrides are paid out of the same carrier commission the agency receives — not out of your team's pockets, and not out of any fee they pay you. There is nothing to buy and no requirement to recruit anyone, ever.

Three streams

Active, leverage and passive income

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.

Risks you should hear before you contract

Commission-only income is uneven, especially in the first months. Advanced commissions are repaid if a policy lapses or is not placed (a chargeback). Persistency matters: business that lapses reduces or reverses what you were paid. You are self-employed, so taxes, licensing, CE and any platform/technology fees are yours.

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.