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"The opportune and decisive moment when action has the greatest impact. The right time to act."
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Commission percentage of target premium, by contract level and product. Set your level below, or click any row in the grid.
Percentages are of target premium and subject to carrier approval and change. This schedule is a reference — the commission recorded on a submitted deal is calculated separately from your contract level.
Model your monthly target and project income.
Earn a percentage on every dollar of monthly AP your downline sells.
Carrier and product compensation by your level.
| Level | Whole Life |
|---|---|
| 145 | - |
| 140 | 144% |
| 135 | 137% |
| 130 | 130% |
| 125 | 125% |
| 120 | 120% |
| 115 | 115% |
| 110 | 107.5% |
| 105 | 100% |
| 100 | 92.5% |
| 95 | 85% |
| 90 | 77.5% |
| 85 | 70% |
| 80 | 70% |
| 75 | 70% |
| 70 | 70% |
| 65 | 70% |
| Level | Whole Life | Term (Term Made Simple) |
|---|---|---|
| 145 | 125% | 130% |
| 140 | 125% | 130% |
| 135 | 120% | 125% |
| 130 | 115% | 120% |
| 125 | 110% | 115% |
| 120 | 105% | 110% |
| 115 | 100% | 105% |
| 110 | 95% | 100% |
| 105 | 90% | 95% |
| 100 | 85% | 90% |
| 95 | 80% | 85% |
| 90 | 75% | 80% |
| 85 | 65% | 75% |
| 80 | 65% | 70% |
| 75 | 60% | 65% |
| 70 | 55% | 60% |
| 65 | 50% | 55% |
| Level | Term | Whole Life |
|---|---|---|
| 145 | 145% | 135% |
| 140 | 140% | 135% |
| 135 | 135% | 130% |
| 130 | 130% | 125% |
| 125 | 125% | 120% |
| 120 | 120% | 115% |
| 115 | 115% | 110% |
| 110 | 110% | 105% |
| 105 | 105% | 100% |
| 100 | 100% | 95% |
| 95 | 95% | 90% |
| 90 | 90% | 85% |
| 85 | 85% | 80% |
| 80 | 80% | 75% |
| 75 | 75% | 70% |
| 70 | 70% | 65% |
| 65 | 65% | 60% |
| Level | Generational Life |
|---|---|
| 145 | 120% |
| 140 | 120% |
| 135 | 115% |
| 130 | 110% |
| 125 | 105% |
| 120 | 100% |
| 115 | 95% |
| 110 | 90% |
| 105 | 85% |
| 100 | 80% |
| 95 | 75% |
| 90 | 70% |
| 85 | 65% |
| 80 | 60% |
| 75 | 55% |
| 70 | 50% |
| 65 | 45% |
| Level | GIWL | Whole Life |
|---|---|---|
| 145 | - | - |
| 140 | 80.0% | 132% |
| 135 | 77.5% | 127% |
| 130 | 75.0% | 122% |
| 125 | 72.5% | 117% |
| 120 | 70.0% | 112% |
| 115 | 67.5% | 107% |
| 110 | 65.0% | 102% |
| 105 | 62.5% | 97% |
| 100 | 60.0% | 92% |
| 95 | 57.5% | 87% |
| 90 | 57.5% | 82% |
| 85 | 55.0% | 77% |
| 80 | 55.0% | 72% |
| 75 | 55.0% | 67% |
| 70 | 55.0% | 62% |
| 65 | 55.0% | 57% |
| Level | LGA Prime (Term) | Whole Life (TruStage TAWL) | TruStage SITL | GIWL (TruStage GAWL) | IUL (Ameritas) | Ameritas SI Term | JH ROP |
|---|---|---|---|---|---|---|---|
| 145 | 120.0% | 120.0% | 55.0% | 30% | 125.0% | 120.0% | 145.0% |
| 140 | 117.5% | 120.0% | 52.5% | 27.5% | 120.0% | 117.5% | 145.0% |
| 135 | 115.0% | 117.5% | 50.0% | 25.0% | 115.0% | 115.0% | 135.0% |
| 130 | 112.5% | 115.0% | 47.5% | 22.5% | 110.0% | 112.5% | 130.0% |
| 125 | 110.0% | 110.0% | 45.0% | 20.0% | 105.0% | 110.0% | 125.0% |
| 120 | 107.5% | 105.0% | 42.5% | 17.5% | 100.0% | 107.5% | 115.0% |
| 115 | 105.0% | 100.0% | 40.0% | 15.0% | 95.0% | 105.0% | 105.0% |
| 110 | 102.5% | 95.0% | 37.5% | 12.5% | 90.0% | 102.5% | 100.0% |
| 105 | 100.0% | 90.0% | 35.0% | 10.0% | 85.0% | 100.0% | 95.0% |
| 100 | 97.5% | 87.5% | 32.5% | 7.5% | 80.0% | 97.5% | 90.0% |
| 95 | 95.0% | 85.0% | 30.0% | 5.0% | 75.0% | 95.0% | 85.0% |
| 90 | 92.5% | 82.5% | 27.5% | 2.5% | 70.0% | 92.5% | 80.0% |
| 85 | 90.0% | 80.0% | 25.0% | 2.5% | 65.0% | 90.0% | 75.0% |
| 80 | 87.5% | 77.5% | 22.5% | 2.5% | 60.0% | 87.5% | 70.0% |
| 75 | 85.0% | 70.0% | 20.0% | 2.5% | 55.0% | 85.0% | 65.0% |
| 70 | 82.5% | 65.0% | 17.5% | 2.5% | 50.0% | 82.5% | 60.0% |
| 65 | 80.0% | 60.0% | 15.0% | 2.5% | 50.0% | 80.0% | 55.0% |
| Level | Term — 30yr | Term — 20yr | Term — 15yr | Term — 10yr | Final Expense WL | Guaranteed Issue WL (50–69) | Guaranteed Issue WL (70–79) | Guaranteed Issue WL (80+) | Accidental |
|---|---|---|---|---|---|---|---|---|---|
| 145 | 130.00% | 130.00% | 125.00% | 120.00% | 87.50% | 72.50% | 52.50% | 42.50% | 90% |
| 140 | 125.00% | 125.00% | 120.00% | 115.00% | 85.00% | 70.00% | 50.00% | 40.00% | 85% |
| 135 | 120.00% | 120.00% | 115.00% | 110.00% | 82.50% | 67.50% | 47.50% | 37.50% | 80% |
| 130 | 115.00% | 115.00% | 110.00% | 105.00% | 80.00% | 65.00% | 45.00% | 35.00% | 75% |
| 125 | 110.00% | 110.00% | 105.00% | 100.00% | 77.50% | 62.50% | 42.50% | 32.50% | 70% |
| 120 | 105.00% | 105.00% | 100.00% | 95.00% | 75.00% | 60.00% | 40.00% | 30.00% | 65% |
| 115 | 100.00% | 100.00% | 95.00% | 90.00% | 72.50% | 57.50% | 37.50% | 27.50% | 60% |
| 110 | 95.00% | 95.00% | 90.00% | 85.00% | 70.00% | 55.00% | 35.00% | 25.00% | 55% |
| 105 | 90.00% | 90.00% | 85.00% | 80.00% | 67.50% | 52.50% | 32.50% | 22.50% | 50% |
| 100 | 85.00% | 85.00% | 80.00% | 75.00% | 65.00% | 50.00% | 30.00% | 20.00% | 45% |
| 95 | 80.00% | 80.00% | 75.00% | 70.00% | 62.50% | 47.50% | 27.50% | 17.50% | 40% |
| 90 | 75.00% | 75.00% | 70.00% | 65.00% | 60.00% | 45.00% | 25.00% | 15.00% | 35% |
| 85 | 70.00% | 70.00% | 65.00% | 60.00% | 57.50% | 42.50% | 22.50% | 12.50% | 30% |
| 80 | 65.00% | 65.00% | 60.00% | 55.00% | 55.00% | 40.00% | 20.00% | 10.00% | 25% |
| 75 | 60.00% | 60.00% | 55.00% | 50.00% | 52.50% | 37.50% | 17.50% | 7.50% | 20% |
| 70 | 55.00% | 55.00% | 50.00% | 45.00% | 50.00% | 35.00% | 15.00% | 5.00% | 15% |
| 65 | 55.00% | 55.00% | 50.00% | 45.00% | 50.00% | 35.00% | 15.00% | 5.00% | 15% |
| Level | Term (Term Life Express) | Whole Life | IUL | Children's WL | IULE | Term Life Answers | Accidental Death |
|---|---|---|---|---|---|---|---|
| 145 | 145% | 125% | 125% | 100% | 130% | 110% | 130% |
| 140 | 140% | 125% | 125% | 100% | 130% | 110% | 130% |
| 135 | 135% | 120% | 120% | 97% | 125% | 105% | 125% |
| 130 | 130% | 115% | 115% | 95% | 120% | 100% | 120% |
| 125 | 125% | 110% | 110% | 92% | 115% | 95% | 115% |
| 120 | 120% | 105% | 105% | 90% | 110% | 90% | 110% |
| 115 | 115% | 100% | 100% | 85% | 105% | 85% | 105% |
| 110 | 110% | 95% | 95% | 80% | 100% | 80% | 100% |
| 105 | 105% | 90% | 90% | 75% | 95% | 75% | 95% |
| 100 | 100% | 86% | 85% | 70% | 90% | 70% | 90% |
| 95 | 95% | 82% | 80% | 65% | 85% | 65% | 85% |
| 90 | 90% | 78% | 75% | 60% | 80% | 60% | 80% |
| 85 | 85% | 74% | 70% | 55% | 75% | 55% | 75% |
| 80 | 80% | 70% | 65% | 50% | 70% | 50% | 70% |
| 75 | 75% | 65% | 60% | 45% | 65% | 45% | 65% |
| 70 | 75% | 61% | 55% | 40% | 60% | 40% | 60% |
| 65 | 65% | 57% | 50% | 35% | 55% | 35% | 55% |
| Level | Whole Life | IUL |
|---|---|---|
| 145 | 140% | 120% |
| 140 | 140% | 120% |
| 135 | 135% | 115% |
| 130 | 130% | 110% |
| 125 | 125% | 105% |
| 120 | 120% | 100% |
| 115 | 115% | 95% |
| 110 | 110% | 90% |
| 105 | 105% | 80% |
| 100 | 100% | 75% |
| 95 | 95% | 70% |
| 90 | 90% | 60% |
| 85 | 85% | 55% |
| 80 | 80% | 50% |
| 75 | 75% | 45% |
| 70 | 70% | 40% |
| 65 | 70% | 40% |
Agent-services lines — not policyholder customer service. Tap a number to call, or an address to email.
Approved lead sources to build your pipeline.
Your portal, your plan, and the rules that come with them.
Billed weekly, renewing every Sunday.
If you are not marked live in the portal by the time you picked on the sheet, your portal is switched off for the rest of that day.
You only receive calls while the portal tab is in front. Click off it and the calls stop. To start again, toggle INACTIVE and then back to ACTIVE.
A call is billed the moment it connects, however short it turns out to be.
Calls you do not use are not wiped at the end of the week — they stay in your wallet, as long as next week's subscription goes through. If it fails, the wallet is emptied.
All 50 states have to be selected in the portal.
A deal that is closed and sent to underwriting is still marked SOLD in the portal.
Your subscription has to go through every Sunday, or you cannot take calls that week. Buy on a Sunday and it renews at that time each week.
To cancel, do it before 5 p.m. ET on the Friday before you would next be billed.
For every 2 bad calls, one refund is credited. Four bad calls earns two, and so on.
An agent ringing in for support rather than a consumer on the line, or dead air with nobody there — and for dead air you have to be in the USA.
Submit the form, your calls are reviewed, and anything that qualifies is credited to your account for the following week — not straight away.
All times Eastern. Calls only route to you while the lines are open.
| Inbound calls | |
|---|---|
| Monday – Friday | 10am – 6pm |
| Saturday | Closed |
| Sunday | Closed |
Also closed on New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving and Christmas Day.
Two bad calls earn one refund. Fill this in and your calls get reviewed — anything that qualifies is credited back, not straight away.
Scripts, guides, and tools to help you sell.
Choose a category to get started.
Enter the passcode to unlock this category.
Update your account info and compensation level.
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