Experior describes its structure as a tribrid: it merges the independent brokerage, career agency and builder models. Every dollar of commission or override originates from a real insurance policy sold to a real client by a state-licensed agent and issued by a carrier.

There is no product to buy for resale, no inventory, and no requirement to recruit. The personal producer track grows from 70% to the top personal contract level on your own production alone.

If you do choose to build a team, you earn overrides on the first-year commission your team writes — the same way every agency hierarchy in the insurance industry has worked for a century.

You start at 70% of the carrier commission grid and can grow to 130% on personal production alone. If you build a team, overrides run seven generations deep (14%, 7%, 3%, 2%, 1%, 0.5%, 0.5%) for a total potential grid payout of 158%.

Use the income calculator on this site to run your own numbers: sales per month, average annualized premium, contract level. It multiplies them out so you can see what a given activity level pays at each contract level.

Nobody can honestly promise you an income figure. Agents who do not prospect and do not run appointments earn nothing, regardless of contract level.

There are two tracks on the same contract. Personal producer: you sell, you promote on your own production, and you can reach up to 130% total payout without ever recruiting.

Team builder: you also recruit and develop agents and earn override income on their production, which is how agents get to the 158% total grid figure.

You can start as a personal producer and switch to building later. Nothing about your contract forces the choice up front.

Anil himself started part-time alongside real estate and mortgage. Appointments are typically evenings and weekends, and most of them can be run over Zoom.

As an independent contractor you set your own schedule. There is no minimum hour requirement, though there is a modest production expectation to promote up the grid.

Part-time does not mean unsupported: you get the same training system, mentorship on your first cases and carrier access as a full-time agent.

Most states require 20 to 40 hours of approved pre-licensing education, then a proctored state exam of roughly 50 to 150 questions with a passing score near 70%, then fingerprinting and a license application. Most people finish in two to six weeks.

Submit the interest form and you get a coupon code for the sponsored pre-licensing course: $299 list price for $30. The state exam, fingerprint and application fees are paid to the state or its vendor and are not discounted.

You cannot sell or be paid on insurance until your license is issued and your carrier appointments are in place. That is state law, not an agency rule.

Independent contracting means no broker tells you that you cannot hold multiple licenses. Life insurance, mortgage origination and real estate can all run alongside each other.

The client overlap is real: buyers you closed just took on the biggest debt of their lives, and most are underinsured against it. Mortgage protection is the natural first product.

Insurance income also counter-cycles real estate. When rates and inventory work against you, protection and guaranteed-income conversations get easier.

Your clients are contracted to you, not to a captive career agency. If you ever leave, your book does not stay behind.

That ownership is what makes renewal income and equity meaningful — a book you own has transferable value, unlike a salaried production quota.

Qualifying builders also get access to equity and wealth-building programs on top of commissions.

Licensing costs are yours and go to the state and its vendors: pre-licensing course, exam fee, fingerprinting and the license application — typically a few hundred dollars total.

The agency charges a monthly technology/platform fee that covers the CRM, e-App tools, illustrations and training library. The exact amount depends on your contract level and is disclosed before you contract.

No fee is charged for the Expert Financial Analysis, for the interview, or for using anything on this website.

The core lines are term life, whole life, indexed universal life (IUL), fixed indexed annuities and 401k/IRA rollover strategies, with access to 60+ carriers.

That breadth matters at the kitchen table: rated or declined cases can be placed elsewhere instead of walking out the door, and the same client can be served across protection, retirement income and tax diversification.

Product training is included and continuous — live sessions plus a recorded library.

The process is intro conversation, free Expert Financial Analysis, recommendations, application, annual review, then referrals. Your mentor runs the first ones with you.

Real estate and mortgage professionals start with the warmest possible list: past clients who just bought a home.

Annual reviews are the engine. Every review generates referrals and surfaces the life events that change coverage.

Once the application is submitted and underwriting (including any exam and labs) is complete, an approved policy is placed and commission is released on the carrier's schedule.

Carriers pay first-year commission as-earned or as an advance, depending on the carrier and your contract. Advances are repaid if a policy lapses early — that chargeback risk is real and is explained before you write business.

Renewal commissions on in-force business follow in later years, which is the residual side of the model.

The form takes two minutes: license status, state, your goal and the best way to reach you.

You immediately get your course coupon code if you are not licensed yet, plus a link to book a time.

The first call is a two-way interview. We look at your situation, show you the contract and the math, and you decide.