Income calculator
What does this contract pay on your activity?
1. Your personal production
Enter what you expect to write yourself. Annualized premium is the yearly premium on the policy, which is what commission is calculated on.
Personal commission / year
$54,432
$86,400 of annualized premium at 70% × 90% of chart
Personal commission / month
$4,536
About $1,134.00 per policy
Illustrated annual total: $54,432
What the contract level is worth
How this math works
- Commission is calculated as annualized premium × contract level × carrier grid factor. That is the same arithmetic the contract grid describes, applied to the numbers you enter.
- The grid factor defaults to 90% because commissions across carriers average close to 90% of the published chart. Some products pay more, some less.
- Overrides are applied to each generation's first-year commission production using the published 14/7/3/2/1/0.5/0.5 schedule.
- Renewal income assumes a flat renewal rate on premium that stays in force, decaying by the persistency rate you enter. Real renewal rates vary by carrier and product and often step down after several years.
- Nothing here accounts for chargebacks on lapsed policies, advance repayment, platform fees, licensing and appointment costs, self-employment taxes or your own marketing spend.
- This is an illustration of a commission structure, not a projection of your income. New agents with no clients and no activity earn nothing.
Read this before you trust a number on this page
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.