The Opportunity - Page 3 of 5

With our competitors, you don't get paid until the policy you sell is issued.  Sometimes that means a  week.  Sometimes that means 2 months!  With us, when you submit a policy one day you get paid a portion of your commissions the very next day!  That means if you submit a policy each day you get paid EVERY DAY... RIGHT AWAY!  Nobody pays you faster.  NOBODY!!! See below for details:

While not every agent’s experience is the same, we will spell out a number of scenarios for you:

Assume an average premium of just $300 per month on an Assurant policy..

Your contract through us with Assurant is at 20%.

If you would like the FREE leads mentioned above you will be on a 10 month advance with Assurant.  At your option, you may elect a 12 month advance with Assurant, in which case you may purchase the exclusive leads discussed above for $18 per lead.  In either case, you will earn 20% of the entire first year's premium on Assurant business and 18 1/2% on United Healthcare's Golden Rule.  We advance  7 months on UHC/Golden Rule with free leads or 9 months without.  In the case of both Assurant & United Healthcare's Golden Rule you will be paid the first 3 months of your advance INSTANTLY upon submission of your application, subject to certain contract provisions. That's right!  Submit your application one day and receive the first 3 months of your advance directly into your bank account EFT the very next business day with the balance paid to you upon issue of the policy!

For the sake of the example below we will assume you have elected to receive the free leads with a 10 month advance.

Let's assume you produce 15 issued applications per week with Assurant.  Your commission is based on the entire first year's premium.

$300 X 12 months = $3,600 in annualized premium.

20% of $3,600 annualized premium = $720 commission.

$720 X 15 = $10,800 in gross earnings for the week!
Payment breakdown:  Of the above amount you will receive the first 3 months of your 10 month advance commission  upon submission of each application (subject to terms and conditions found in the NIA contract) for a subtotal of $2,700 for the total of the 15 above mentioned applications used in this hypothetical example on the next business day after submission as each application is submitted.  Payment is made by Electronic Funds Transfer (EFT( by NIA for each submitted application!  You will then garner another advance of $6,300 paid EFT upon issue of the total of the 15 policies as each policy is issued,  representing an additional 7 month advance for a total of 10 months advance commission.  You will receive the remaining $1,800, or final two months commission, on an as earned basis in two monthly installments paid by EFT, $900 of which will be paid in month 11 and the other $900 in month 12 for a total of $10,80 commission based on the 15 above mentioned issued policies. This example is given for illustrative purposes only. A portion of commissions may be placed in reserve as security against policies for which advance payments are made to agent but policies are not issued or have cancelled.  Rely only on the NIA contract for precise details.

Let’s assume you have what it takes to do that kind of production week in and week out:

$10,800 per week X 52 weeks = $561,600 in gross earnings for the year!

If you write 10 applications per week with Assurant and Best Choice your gross earnings based on an average $300 per month premium per sale would be $7,200.00.
(Apply same 3 month, 7 month & 2 month payment breakdown given in first example above.)

$7,200 per week X 52 weeks = $374,400 in gross earnings for the year!

Writing 7 applications using the same method would garner you gross earnings of $5,040 for the week.
(Apply same 3 month, 7 month & 2 month payment breakdown given in first example above.)

$5,040 per week X 52 weeks = $262,080 in gross earnings for the year!

3 applications per week = $2,160.00
(Apply same 3 month, 7 month & 2 month payment breakdown given in first example above.)

$2,160 per week X 52 weeks = $112,320 in gross earnings for the year!

You get the idea!

Now, you may be asking yourself "how do I get to that first application which generates my first set of free leads?" 

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