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.
07
Full training system
Sales, product, scripts, automation and leadership.
Live and recorded training, field mentorship on real appointments, scripts and a CRM/automation stack. New agents run their first appointments with a licensed mentor, not alone.
08
Legacy income
Renewals and residuals keep paying.
Placed business that stays in force keeps paying renewal and service commissions. Industry renewal rates typically run in the low single digits of premium per year, which compounds as your book grows.
09
Multiple income streams
Life, retirement, mortgage, real estate, consulting.
You are not boxed into one product line. Life insurance, retirement and rollover planning, mortgage, real estate and financial consulting can all run through the same client relationships.
10
Freedom model
Multiple verticals, your schedule, your growth.
Part-time or full-time, one vertical or several. Nobody tells you that you cannot also hold a real estate or mortgage license, which is exactly what captive contracts usually restrict.
The model
What a “tribrid” agency actually means
Experior calls its structure a tribrid: it borrows the parts that work from the three dominant agency models in North American financial services — the independent brokerage, the career agency and the distribution/builder model — and drops the parts that do not.
In practice that means you get independent carrier access and full ownership of your book (brokerage), real training, mentorship and a defined promotion track (career agency), and the ability to build a team with override income and equity (builder) — without being forced into any one of them.
You choose your lane. The personal producer track tops out at the same personal grid whether or not you ever recruit; the team builder track adds override income on top. Both use the same contract, so you can switch tracks as your goals change.
Straight talk
If this is your situation, here's the fix
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.
The system
The customer journey you'll be trained to run
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.
Who should apply
Is this you?
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.
Independent contractor, not a job
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.