How We Think About Compensation
Most IMOs use comp as a recruiting tool — showing the highest possible number to get you in the door, then walking it back once you're contracted.
We do the opposite. We show you exactly what you'll earn based on your production level, product mix, and our overhead structure. Before you sign anything.
No teaser rates. No surprise overrides. No "just hit this production level and we'll talk about bumps." It's all in writing, up front.
Our Compensation Principles
We Do:
- Show exact payout grids before contracting
- Explain all overrides and splits clearly
- Put everything in writing
- Adjust comp as your production grows
- Honor our agreements long-term
We Don't:
- Use teaser rates to recruit
- Hide overrides or backend splits
- Change terms without clear communication
- Make vague promises about future increases
- Require minimum production without support
What Affects Your Payout
Production Level
Higher consistent production earns better comp. We review this annually, not arbitrarily.
Product Mix
Different products have different carrier payouts. We show you what we earn and what you'll earn on each.
Support Needs
If you need heavy case design or underwriting support, we factor that into the arrangement. But we're transparent about it.
Relationship Tenure
Long-term producers get better terms over time. We reward consistency and partnership.
Important: No Income Guarantees
We cannot and do not guarantee specific income levels. Your earnings depend on your production, market conditions, client base, and numerous other factors outside our control. All examples are illustrative only and do not represent typical results.