Getting Started at AFA

Transcription

Getting Started at AFA
“Building Dreams, Creating Business Owners across America”
1) Fill out the AFA New Agent Form. Read and sign AFA Agent Agreement and AFA Agent
Promotional Guidelines. When finished, return all three to your manager. If you are not
currently Insurance licensed go to www.testeachersonline.com/afa to get started.
2) Once you have completed step one, go to www.americanfinancialassociatesinc.com, and
sign up for AFA Back Office the cost is $39.95, 54.95 or $69.95 per month, ask your manager
for differences. You must be signed up for the AFA Back Office and have access to a computer
to go through Training.
3) Go to www.afacontracting.com login: afaagent Password: signmeup.
Contract with Transamerica, Security National Life, United Home Life, Kemper Life ,Gerber
Life, and Family Life. You must attach a copy of your state insurance license, E & O Certificate
(if needed), Anti-Money Laundering and voided check with each contract. When finished,
return them to your manager. If you cannot contract with the carrier’s listed above, contact your
Manager for alternatives. Watch the Contracting Instructional Video under the Career tab, under
Recruiting for instructions on how to complete correctly.
***If you do not have E & O insurance, you can purchase E & O liability insurance at:
www.eandoforless.com
***If you do not have a current Anti-Money Laundering Certification, dated within the last
12 months, go to www.aatx.com choose "Marketing and Sales" user: aml password: course.
Make sure to print or save your Certificate once completed.
4) Speak with your Manager to schedule and overview your AFA Training Modules.
5) HIGHLY suggested Lead Orders:
 Week 1 and 2: Order and pay for a minimum of 15 to 20 Telemarketed Leads.
 Week 3 and beyond: Order and pay for a minimum of 10 Telemarketed Leads.
(May substitute Telemarketed leads with 1000 direct Mail Piece order), add internet aged leads and dialer program to increase weekly
sales.
6) Most importantly, be prepared to make MORE MONEY than you ever have and have
MORE fun doing it!
American Financial Associates Inc., 1821 Walden Office Square Suite #111 Schaumburg, IL 60173 (847) 303-6622
AFA New Agent Form
Name _____________________________________
Hire Date____/_____/______
(Please Print)
Street Address_______________________________
City________________________________________
State:______________ Zip: ____________________
Birthdate:_____/_____/______
Home Phone:________________________________
Business Phone:______________________________
**The monthly cost for the AFA
Fax: ________________________________________
Back Office is $39.95 per
Email Address:_______________________________
month, Plus $54.95 per
Website:____________________________________
month or, Premier $69.95
per month.**
Up Line Manager:____________________________
Commission Level:____________________________
Type of agent:
Received new agent hiring packet (yes or no)
Health:_______
Health:_______
Life:__________
Life:_________
Both:_________
Both:________
When finished, return to your manager.
“Building Dreams, Creating Business Owners America”
AGENT AGREEMENT
American Financial Associates, Inc.
1821 Walden Office Square Suite 111 Schaumburg, Illinois 60173
This Agreement is entered into on this ______ day of _______________, 20____, by and between
American Financial Associates, Inc. and ______________________________________________ (the
“agent”). This Agreement is as of the compliance date of the privacy and Security Rule as defined herein.
This agreement is made between the Agency and the Agent. The Agent shall be considered a SubProducer/Agent of the Agency. He or she shall act, and be treated accordingly. This agreement shall run
for an indefinite period subject to termination at any time by either party. This Agreement will automatically
be terminated upon cancellation of either party’s state license.
APPOINTMENT:
The Agency appoints the Agent to solicit new agents as well as all forms of insurance and investment
products, provided he or she is licensed for the type of coverage solicited. The Agent should act with the
client’s best interest when soliciting any of the products through American Financial Associates, Inc. The
Agent further agrees to provide service to all clients he or she has solicited.
COMPENSATION:
All compensation from personal business or overrides from their sub-agents will be paid from each
individual insurance company. If any individual insurance company is not able to pay direct or is not setup
to pay direct, American Financial Associates, Inc. will process the carrier’s compensation to the Agent. All
compensation will be paid indefinitely unless the following conditions occur:
1) The Agent no longer maintains an insurance license
2) The Agent terminates or is terminated from this Agreement
ERRORS & OMISSIONS COVERAGE:
This coverage is required immediately for certain, but not all companies. The Agent must show proof of
coverage from his or her E & O carrier of choice when requested by the Agency.
Page 1 of 3
ADVERTISING & REPRESENTATIONS:
The Agent shall use no advertising material, prospectus, proposal or representation, either in general or in
relation to a particular policy of the Agency, unless furnished by or approved in writing by an Agency
principal.
Back Office:
The Agent agrees to pay $39.95 per month, for the AFA Back Office, or $64.95 per month for the AFA
Premier Back Office for the duration in which they are contracted through American Financial Associates,
Inc. The cost of the AFA Back Office will include Multi Carrier Life quoting system, Recorded Training
Modules, ongoing Training and Support, , company email address Recruiting, Personalized Recruiting
videos and discounted leads. The cost of the AFA Premier will include all of the above along with a
complete CRM System, email campaigns and replicated website.
If the Agent decides to terminate the Back Office, the Agent must notify American Financial Associates, Inc.
in writing 5 days prior to your billing cycle. There are no refunds for the Back Office.
The Agent also agrees to pay an additional $25 for any return payments or insufficient funds notices issued
on their payment method. The Agent also realizes that non-payment for the Back Office immediately
cancels the Back Office which includes all the lead programs, and other programs provided to them through
American Financial Associates, Inc.
ASSIGNMENT:
No assignment of this agreement or compensation hereunder will be allowed, unless approved by agency
principal.
INDEBTEDNESS:
During active service or upon termination, the Agent is responsible for his or her portion (based on
compensation level at time received) of any and all indebtedness caused by personal production, personal
or business loans, persistency, death, disability, roll-up debit accounts from themselves or their sub agents,
or any other cause. or any other cause. If a balance is not available through legal action, the Agent has
thirty days from date of notice to pay the debt. If this debt has not been satisfied in a timely manner, the
Agent agrees through this agreement to assign any and all future compensation until such a date that the
indebtedness has been satisfied. The Agent may also make payments to the Agency providing the debt is
satisfied within a 90-day period of time from the date notified. The Agency also reserves the right to place
this assignment unto the estate of a Agent that has passed away.
TERMINATION:
Either party may terminate this agreement with a thirty day written notice. All unpaid first year commissions
and renewals will be paid directly by each carrier subject to each individual’s contract provisions.
TERMINATION FOR CAUSE:
If the Agent is found to have intentionally misrepresented the products or services of any of the carriers or
American Financial Associates, Inc. or if an agents sells any AFA exclusive discounted leads to other
companies not through AFA, or if your lead persistency falls under 25%, you will be removed from the back
office and this could be grounds for terminated.
Page 2 of 3
ENFORCEMENT:
Should the enforcement of this contract be required, it is agreed that all costs (including legal) and or
damages incurred to enforce the provisions of this agreement will be the sole responsibility of the party that
is found to be at fault.
RELEASES:
All releases shall be granted after 15 days of a written request as long as the following occurs:
1) The Agents signs the AFA release agreement
2) There is no money owed to AFA from any agent charge backs or any debit roll-up.
3) There is no outstanding debit account with any carrier that cannot be paid off with current in
force business.
AMENDMENTS:
The Agency shall have the right to amend this Agreement or its provisions or terms of compensation, but
such amendments shall not affect any rights accruing or compensation earned prior thereto. The
amendments are deemed to be effective upon the date of written announcement.
FAILURE TO COMPLY with any or all of the above conditions will result in immediate termination of this
Agreement and the loss of any sub-agents that were requited by American Financial Associates, Inc under
his or her hierarchy.
IN WITNESS WHEREOF, I have affixed my signature this ________ day of _____________, 20_____.
__________________________________
Agent Name PLEASE PRINT
________________________________
Signature of Agent
__________________________________
Richard A. Duese (President)
____________________________________
Date
__________________________________
Robert E. Hardy (CMO)
_____________________________________
Date
__________________________________
Name of Up-Line Manager
________________________________
Signature of Up-Line Manager
Page 3 of 3
Suggested Weekly Schedule
(For Maximum Results)
Saturday:
9:00 am -1:00 pm or 4:30 pm -6:30 pm Phone.
Goal: Minimum of 5 appointments, Goal is 8.
(Saturday’s and Monday’s have proven to be the most effective phone days)
Sunday:
6:00 pm Email AFA Transmittal to your manager
Monday:
Text Sales numbers to your manager by 9:00 am CST
8:00 am - 8:30 am Lead Preparation
8:30 am - 9:15 am Local Team Sales Meeting (Mandatory Meeting CST for Chicago Agents)
9:30 am - 10:00 am National Call (Mandatory Meeting CST)
10:00 am - 12:00 pm Phone appointment setting
12:00 pm -1:00 pm Lunch
1:00 pm - 8:00 pm Phone appointment setting
8:00 pm - 8:30 pm Do quotes
Goal: 5 appointments each session, Total 10 appointments
(Total for the week 15 appointments)
Tuesday thru Friday:
Text sales numbers to your manager by 9:00 am CST on Wednesday
8:00 am - 9:00 am Administrative work
9:00 am - 10:00 am Travel time
10:00 am - 11:00 am
11:30 am - 12:30 pm
1:00 pm - 2:00 pm
2:30 pm - 3:30 pm
4:00 pm - 5:00 pm
5:30 pm - 8:00 pm Phone as needed
8:00 pm - 8:30 pm Do quotes
Agent Starting Expectations
* Submit a minimum of $1,000 Annualized Premium per Month.
* Text Numbers on Monday and Wednesday morning by 9:00 am CST to your up-line manager.
* Submit transmittal sheet to your up-line manager on either Saturday or Sunday before 6:00
pm CST.
* Attend our Monday National Call at 9:00 am CST.
Agent Name: ___________________________________
Agent Signature: ________________________________
Date________________________
Note: Failure to comply with these expectations may result in termination of your back office and the loss
of advance commissions. Effective 30 days after hire
AFA MEDIA
Facebook Like page:
https://www.facebook.com/AmericanFinancialAssociatesInc?ref=hl
Facebook- AFA Winner's Group:
https://www.facebook.com/groups/321976714532762/
Twitter:
https://twitter.com/AmericanFinAsso
Linkedin:
http://www.linkedin.com/groups?gid=6565372&trk=my_groups-b-grp-v
AFA Lead Ordering Guidelines
Bronze:
Week 1: 500 Consumer List. Total cost: $50.00.
Week 2: 100 Excel internet leads. Total cost: $50.00.
Week 3: 20 Live Transfers, 200 Consumer List. Total cost: $80.00.
Week 5: 20 Live Transfers, *10 Telemarketed leads. Total cost: $230.00.
Week 7 and beyond: *15 Telemarketed leads. Total cost: $255.00.
(20 Transfers, and or 100 Consumer List as needed)
Silver:
Week 2: 20 Live Transfers, 100 Excel leads. Total cost: $110.00.
Week 5 and Beyond: *15 Telemarketed leads. Total cost: $255.00.
Gold:
Week 1: 20 Live Transfers, *15 Telemarketed leads, 500 Consumer List. Total cost: $365.00.
Week 2: 20 Live Transfers, *15 Telemarketed leads, 100 Excel leads. Total cost: $365.00.
Week 5 and Beyond: *15 Telemarketed leads. Total cost: $255.00.
*Telemarketed lead's price are base on Partner 2 at $17.00 per lead
Live Transfers are not available in FL,MO,SD,SC,IN,MS, please exchange for a 200 name Consumer List.
AFA Lead Cost
Life Insurance Leads:
Final Expense:
Dialer, Live Transfers: $2.99 cents per Transfer (Minimum 20 Transfers)
Partner 1:
Telemarketed, Voice recorded A Leads: Tier 1: $14.00, Tier 1A: $17.00, Tier 2: $19.00, Tier 3: $24.00
Partner 2:
Telemarketed, Voice recorded A Leads: All States $17.00
Partner 3:
Telemarketed, Voice recorded A Leads: All States $20.00
B Leads, Telemarketed, 4 months to 1 year (Based on availability) $3.00
List, 100 Name Consumer List, (Ages 45-85, Income $50,000 and below): $10.00
Mortgage Protection:
Partner 1:
List, 100 Name New Homeowners' List, (0-6 Months): $10.00
(These prices are based on the discounted lead price through the Back Office, and lists are scrubbed with the do not call list)
AFA Lead Cost
Life Insurance Leads Cont'd:
Term and Permanent:
Partner 1:
Internet, 100 Excel Leads, (91-365 days old): $30.00
Internet, Shared Leads, Phone Verified: $5.00
Internet, Exclusive Leads, Phone Verified: $13.00
List, 100 Name Consumer List, (Ages 30-64, Income $50,000 and above): $10.00
Health Insurance Leads:
Dental:
TV, Exclusive Leads: $7.50
AFA Lead Cost
Health Insurance Leads Cont'd:
Under Age 18-64:
Dialer , Live Transfers: $2.99 cents per Transfer (Minimum 20 Transfers)
Internet, Exclusive Leads, On and Off Exchange: $13.00
List, 100 Name Business List, (10 Employees and below): $10.00
Medicare Supplement 65+:
Dialer, Live Transfers: $2.99 cents per Transfer (Minimum 20 Transfers)
Internet, Exclusive Leads: $28.00
TV, Exclusive Leads: $15.00
List, 100 Name Consumer List, (Ages 65 and above, Income $50,000 and above): $10.00
Promotional Guidelines - Life
"Building Dreams, Creating Business Owners across America"
Agent/Managers
State Agency Manager:

Minimum $1,500 submitted annualized premiums per week (6 app. monthly minimum) for 3
consecutive months with a total agency of 25,000 AV per week or equal AV points, see
below. Promotion to this level also requires proven successful leadership and loyalty to
AFA. (For additional details contact your National Marketing Manager)
Sales Manager:

consecutive months or equal AV points, see below.
Senior Agent:

consecutive months or equal AV points, see below.
Agent:

Get started creating an incredible career.







Life business points are divided by 1, example 1000 Life AV = 1000 points
Health business points are divided by 10, example 10,000 Health AV = 1000 points
Supplemental business points are divided by 5, example 5,000 AV = 1000 points
Annuity business points are multiplied by .05, example 20,000 AV = 1000 points
Must maintain a minimum of 70% persistency
Any client business resubmitted within 90 days will not be counted towards promotional productions
If a sub agent gets promoted to your level and you are not promoted to the next level, that agent and their down line will be
transferred to your up line manager
______________________________________________________________________________
Agent Signature
Income Possibilities With AFA- Agent
Apps Sold
Per Week
Average Sale
$600 total AV
Total Comp
80%
Weekly
Advance 75%
Total Annual
Income 48
Weeks
1
$600
$480
$360
$23,040
2
$1,200
$960
$720
$46,080
3
$1,800
$1,440
$1,080
$69,120
4
$2,400
$1,920
$1,440
$92,160
5
$3,000
$2,400
$1,800
$115,200
6
$3,600
$2,880
$2,160
$138,240
7
$4,200
$3,360
$2,520
$161,280
8
$4,800
$3,840
$2,880
$184,320
9
$5,400
$4,320
$3,240
$207,360
Income Possibilities With AFA- Senior Agent
Apps Sold
Per Week
Average Sale
$600 total AV
Total Comp
85%
Weekly
Advance 75%
Total Annual
Income 48
Weeks
1
$600
$510
$382.50
$24,480
2
$1,200
$1,020
$765
$48,960
3
$1,800
$1,530
$1,147.50
$73,440
4
$2,400
$2,040
$1,620
$97,920
5
$3,000
$2,550
$1,912.50
$122,400
6
$3,600
$3,060
$2,295
$146,880
7
$4,200
$3,570
$2,677.50
$171,360
8
$4,800
$4,080
$3,060
$195,840
9
$5,400
$4,590
$3,442.5
$220,320
Income Possibilities With AFA- Sales Manager
Apps Sold
Per Week
Average Sale
$600 total AV
Total Comp
90%
Weekly
Advance 75%
Total Annual
Income 48
Weeks
1
$600
$540
$405
$25,920
2
$1,200
$1,080
$810
$51,840
3
$1,800
$1,620
$1,215
$77,760
4
$2,400
$2,160
$1,620
$103,680
5
$3,000
$2,700
$2,025
$129,600
Group doing 5
apps with 5%
Average override
Average Sale
$600 total AV
5% Override
Weekly
Advance 75%
Combined
Annual
Income
3 Agents
$9,000
$450
$337.50
$151,200
5 Agents
$15,000
$750
$562.50
$165,600
10 Agents
$30,000
$1,500
$1,125
$201,600
Income Possibilities With AFA- State Agency Manager
Apps Sold
Per Week
Average Sale
$600 total AV
Total Comp
95% Agency
Manager
Weekly
Advance 75%
Total Annual
Income 48
Weeks
1
$600
$570
$427.5
$27,360
2
$1,200
$1,140
$855
$54,720
3
$1,800
$1,710
$1,282.5
$82,080
4
$2,400
$2,280
$1,710
$109,440
5
$3,000
$2,850
$2,137.5
$136,800
Group doing 5
apps with 10%
Average override
Average Sale
$600 total AV
10% Override
Weekly
Advance 75%
Combined
Annual
Income
10 Agents
$30,000
$3,000
$2,250
$280,800
20 Agents
$60,000
$6,000
$4,500
$424,800
30 Agents
$90,000
$9,000
$6,750
$568,800
Commission Levels
LIFE
"BUILDING DREAMS, CREATING BUSINESS OWNERS ACROSS AMERICA"
National
Marketing
Director
Regional
Marketing
Director
State Agency
Manager
Sales Manager
Senior Agent
Agent
Associate Agent
Final Expense
100
95
80
70
67.5
65
62.5
2nd Year
12.5
10
10
7
6.75
6.5
6.25
3rd Year
12
10
10
7
6.75
6.5
6.25
4th Year
10
9
8
7
6.75
6.5
6.25
5th - 10th Year
7
6
6
5.25
5.08
4.9
4.7
Disability
70
65
60
57.5
55
52.5
50
2nd Year
10
7.5
5
2.5
2.5
2.5
2.5
3rd - 10th Year
6
5.5
5
2.5
2.5
2.5
2.5
Critical Illness
70
62.5
60
57.5
55
52.5
50
2nd - 10th Year
4
3.5
3
2.9
2.8
2.7
2.69
Assurity
COMMISSIONS ARE SUBECT TO CHANGE AT ANYTIME AT THE DICRETION OF AFA CORPORATE.
01/01/2015
National
Marketing
Director
Regional
Marketing
Director
State Agency
Manager
Sales Manager
Senior Agent
Agent
Associate Agent
Simplified Critical Illness
65
62.5
60
57.5
55
52.5
50
2 - 10 Renewals
7.5
6.5
5
4.75
4.5
4.25
4
NonMed Term 20 - 30 Year
115
110
95
90
85
80
75
Assurity Continued
2 - 10 Renewals
1.25
1.15
1
0.5
0
0
0
NonMed Term 15 Year
100
95
85
80
75
70
65
2 - 10 Renewals
1.25
1.15
1
0.5
0
0
0
NonMed Term 10 Year
95
85
75
70
65
60
55
2 - 10 Renewals
1.25
1.15
1
0.5
0
0
0
Whole Life
90
80
70
65
60
55
50
2 - 10 Renewals
8.75
8
7.5
7.25
7
6.75
6.5
*** 6 MONTH ADVANCE
*****CO/FL/MN/NH/NJ-HAVE LOWER RENEWALS FOR SIMPLIFIED CRITICAL ILLNESS
COMMISSIONS ARE SUBJECT TO CHANGE AT ANYTIME AT THE DISCRETION OF AFA CORPORATE.
01/01/2015
National
Regional
State Agency
Marketing
Marketing
Sales Manager
Senior Agent
Manager
Director
Director
Agent
Associate Agent
Liberty Bankers
Final Expense
2nd - 3rd Year
LIFETIME
Modified
2 - 5 Year
LIFETIME
110
7
4
77.5
7
4
105
6
3
75
6
3
100
5
3
70
5
3
95
4
3
67.5
5
3
90
3
2
65
4
2
85
3
2
62.5
3
2
80
3
2
60
3
2
National
Marketing
Director
Regional
Marketing
Director
State Agency
Manager
Sales Manager
Senior Agent
Agent
Associate Agent
110
14
8
3
100
14
8
3
70
2
120
16
6
105
13
7
2
95
13
7
2
65
2
115
15
5.5
100
12
7
2
90
12
7
2
60
2
110
14.5
5
95
11
7
1
85
11
7
1
55
2
105
14
4.5
90
11
6
1
80
11
6
1
50
1
100
13.5
4
85
11
6
1
75
11
6
1
45
1
95
13
4
80
10
6
1
70
10
6
1
40
1
90
12.5
4
United Home Life
Final Expense Ages 25 - 70
2nd Year
3rd - 5th Year
6th - 10th Year
2nd Year
3rd - 5th Year
6th - 10th Year
Guaranteed Issued
2 - 10 Renewals
Whole Life
2nd Year
3rd - 10th Year
***9 MONTH ADVANCE
01/01/2015
National
Regional
State Agency
Marketing
Marketing
Sales Manager
Senior Agent
Manager
Director
Director
Agent
Associate Agent
Foresters
** 2nd - 5th Year
** 6th - 10th Year
Modified
2 - 5 Years
6 - 10 Years
20 Year NonMed Term
20 Year Term
10 Year Term
Smart UL
2 - 5 Years
110
80
5.75
4
50
3
2.25
110
95
84
95
1.75
105
75
5.25
3.5
47.5
2.75
2
105
90
82
90
1.5
100
70
4.25
3
45
2.5
1.75
100
85
80
87.5
1.25
95
65
4.25
2.5
42.5
2.25
1.5
95
80
75
85
1
90
60
3.75
1.75
40
2
1.25
90
75
70
80
0
85
55
3.25
1.5
37.5
1.75
1
85
70
65
77.5
0
80
50
2.75
1.25
35
1.5
0.9
80
65
60
75
0
Advantage Plus Simplified
Issue
90
85
80
75
75
70
65
2nd Year
10
9.5
9
8.5
7.5
7.5
7.5
3rd - 10th Year
***9 MONTH ADVANCE
2.25
2
1.75
1.5
1
1
1
***FINAL EXPENCE RENEWALS FOR BOTH POLICY TYPES (50-79 & 80-85) ARE THE SAME
***MAXIMUM COMMISSIONS FOR SMART UL AND ADVANTAGE PLUS IS AGE 65
01/01/2015
National
Regional
State Agency
Marketing
Marketing
Sales Manager
Senior Agent
Manager
Director
Director
Agent
Associate Agent
American General
Select A Term
19 Year
18 Year
17 Year
16 Year
15 Year
10 Year
ROP Term 15, 20, and 30
Year
Elite UL & Secure GL
2 - 10 Years
Index UL
2 - 10 Years
Elite Whole Life
2 - 10 Years
*** 9 MONTH ADVANCE
90
89
88
87
86
85
65
85
84
83
82
81
80
60
80
79
78
77
76
75
55
75
74
73
72
71
70
50
70
69
68
67
66
65
45
65
64
63
62
61
60
40
60
59
58
57
56
55
35
90
85
80
75
70
65
60
80
1.75
80
1.75
95
2.75
75
1.5
75
1.5
90
2.5
70
1.25
70
1.25
85
2.25
65
1
65
1
80
2
60
0.75
60
0.75
75
1.75
55
0.5
55
0.5
70
1.5
50
0.25
50
0.25
65
1.25
***NON COMMISSIONAL POLICY FEE FOR ALL APPLICATIONS WITH A FACE VALUE OF $250,000 OR OVER
01/01/2015
National
Regional
State Agency
Marketing
Marketing
Sales Manager
Senior Agent
Manager
Director
Director
Agent
Associate Agent
Transamerica
20 Year Term
90
85
80
75
70
65
60
15 Year Term
85
80
75
70
65
60
55
10 Year Term
80
75
70
65
60
55
50
UL
100
95
90
85
80
75
70
2nd - 10th Year
3.5
3.5
3.5
3
3
3
3
Final Expense
105
100
95
90
85
80
75
2-5 Years
7.5
7
6.5
6
5.5
5
4.5
6-10 Years
7.5
7
6.5
6
5.5
5
4.5
Final Expense Graded
90
85
80
75
70
65
60
2 - 10 Years
7
6.5
6
5.5
5
4.5
4
Accidental Death Rider
65
60
55
50
45
40
35
2 - 10 Years
6.5
6
5.5
5
4.5
4
3.5
Agent
Associate Agent
***9 MONTH ADVANCE
National
Marketing
Director
Regional
Marketing
Director
State Agency
Manager
Sales Manager
Senior Agent
Genworth
90
85
80
75
70
65
65
60
55
50
45
40
***9 MONTH ADVANCE -ALL POLICIES THROUGH GENWORTH HAVE A &60 NON COMMISSIONABLE POLICY FEE
20 Year Term
15 Year Term
60
35
01/01/2015
National
Regional
State Agency
Marketing
Marketing
Sales Manager
Senior Agent
Manager
Director
Director
Agent
Associate Agent
75
3.5
70
3
Mutual Trust Life
Whole Life
2nd - 10th Year
100
6
95
5.5
90
5
85
4.5
80
4
***9 MONTH ADVANCE
National
Marketing
Director
Regional
Marketing
Director
State Agency
Manager
Sales Manager
Senior Agent
Agent
Associate Agent
60
55
50
45
45
45
45
National
Marketing
Director
Regional
Marketing
Director
State Agency
Manager
Sales Manager
Senior Agent
Agent
Associate Agent
Gauranteed Whole Life
60
55
50
45
45
45
45
2nd - 10th Year
4.75
4.5
4.25
4
4
4
4
Gerber Life
Gauranteed Whole Life
***AS EARNED
Kemper Life
***AS EARNED
01/01/2015
National
Marketing
Director
Regional
Marketing
Director
State Agency
Manager
Sales Manager
Senior Agent
Agent
Associate Agent
Final Expense 40-69
100
95
90
85
80
80
80
Final Expense 70-79
90
85
80
75
70
70
70
Final Expense 80-85
70
65
60
55
50
50
50
Final Expense 85-90
50
45
40
35
30
30
30
All ages 2nd - 10th Year
5.6
5.3
5
4.4
4
4
4
80
75
70
65
60
60
60
70
65
60
55
50
50
50
60
45
40
35
30
30
30
5.6
5.3
5
4.4
4
4
4
Security National Life
Final Expense Graded 4069
All ages 2nd - 10th Year
01/01/2015
National
Marketing
Director
Regional
Marketing
Director
State Agency
Manager
Sales Manager
Senior Agent
Agent
Associate Agent
Viva Life/Family Protection
100
95
90
85
80
80
80
2nd - 10th Year
2
1.75
1.25
1
0.75
0.75
0.75
Viva Life/Family Protection
with ROP
100
95
90
85
80
80
80
Family Life
2nd - 10th Year
1
0.75
0.5
0.25
0
0
0
Family Protection 25 or 30
YR
95
90
85
80
75
75
75
2nd - 10th Year
2
1.75
1.25
1
0.75
0.75
0.75
Family Protection 20 YR
90
85
80
75
70
70
70
2nd - 10th Year
2
1.75
1.25
1
0.75
0.75
0.75
85
80
75
70
65
65
65
2nd - 7th Year
2
1.75
1.25
1
0.75
0.75
0.75
75
70
65
60
55
55
55
2nd - 5th Year
2
1.75
1.25
1
0.75
0.75
0.75
*** 60% Advance
01/01/2015

Getting Started at AFA

Transcription

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