How you get paid
The compensation structure, in full
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
| Contract level | Personal payout | How you get there |
|---|---|---|
| Financial Associate | 70% | Starting contract once you are licensed and appointed. |
| Senior Financial Associate | 85% | Submit roughly $10,000 of personal premium within a three-month window. |
| Senior Manager | 100% | Continued personal production; team production counts on the builder track. |
| Senior Manager 1 | 107.5% | Next production tier above Senior Manager. |
| Senior Manager 2 | 115% | Top Senior Manager tier. |
| Executive Director | 115% + up to 15 pts | Executive 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
Track 2
Team overrides — optional leverage
| Generation | Override |
|---|---|
| 1st generation | 14% |
| 2nd generation | 7% |
| 3rd generation | 3% |
| 4th generation | 2% |
| 5th generation | 1% |
| 6th generation | 0.5% |
| 7th generation | 0.5% |
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
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.