How Commissions Work

There are 4 parts to our Compensation Plan:

1 – Personal Sales Commission on New Business

Typical clients pay $100/month, and we start our Agents at 30% commission on every dollar of New Business premium. So every time Family Heritage collects $100, you earn $30 for the first 12 months.

We advance our Agents seven months of commission on every policy they sell.

  1. Client pays $100, you earn $30 (We advance you $210 right away)
  2. Client pays $100, you earn $30
  3. Client pays $100, you earn $30
  4. Client pays $100, you earn $30 
  5. Client pays $100, you earn $30
  6. Client pays $100, you earn $30
  7. Client pays $100, you earn $30 (Now your advance is paid off)
  8. Client pays $100, you earn $30 (Paid “as-earned”)
  9. Client pays $100, you earn $30 (Paid “as-earned”)
  10. Client pays $100, you earn $30 (Paid “as-earned”) 
  11. Client pays $100, you earn $30 (Paid “as-earned”)
  12. Client pays $100, you earn $30 (Paid “as-earned”)

The client in this example has paid $1,200 and you have earned $360

This financing allows our agents to build real wealth through ongoing commissions and still have strong cash-flow in the early months. Bringing on just one new client a day will create over $7,000 of recurring monthly income after just one year – and our advance plan will pay over $1,000/week along the way.

Our training is designed to help our Agents sell a minimum of 5 policies each week for $250,000 Annual Premium in a year, and your Personal Sales commission will automatically increase over time based on Lifetime Personal Production.

2 – Renewals & Residual Income: the most exciting thing about our career

  • On every active policy, starting in its 13th month, you will be paid a renewal commission.
  • You earn a 2% renewal commission every month for the life of each policy sold.
  • Family Heritage collects over 10 times the first-year premium in renewal premium over the life of the business, so your residuals build a rock-solid retirement annuity over time.

Month 13 onward forever: Client pays $100, you earn $2

If you sell 5 policies every week = 250 policies = $500/month in residual income after one year.

3 – Training Override on Agents you Train

We’re growing fast and allow all our new Agents to bring in new Agents from day one, paying a $500 recruiting bonus and an additional $500 training bonus for showing them how to work our system.

In addition, once you’re promoted to Field Director, you will earn a minimum of a 5% training override for all New Business sold by Agents you train.

  • Average sale is $100/month or $5/month in commission
  • We advance 7 months of commission = $35
  • For each person making 5-6 sales/week, you would be advanced around $200

So your weekly advance would go up depending on how many active agents you have at any given time:

  • One agent = $200
  • Three agents = $600
  • Ten agents = $2,000

Your override will increase and you can also earn lifetime renewals on your team sales by leveraging our Career Track

As a Market Director or Regional Director, you will also earn 1% residual on every dollar of premium your organization writes. So over a 5-year career:

  • $1,000,000 in team production x 5 years = $5,000,000
  • x 1% residual = $50,000 every year even after you leave the business.

When you combine the residuals from your personal sales and from your team sales, you can build an amazing retirement annuity that will continue to pay you, your family and your heirs as long as you have paying policyholders.

4 – Family Heritage Bonus and Incentive Program – click here for more details

Our partnership with Family Heritage gives our Agents award-winning incentives, cash bonuses, stock grants, and world-class international & domestic vacations.


  • License Reimbursement: Licensing expenses paid for $50,000 NAP
  • Sales Academy: Expenses credited $50 per $800 NAP for: air, hotel, mileage
  • Quick Start Bonus: Recruits earn $1,000 for $10,000 NAP and 4 FIT modules


  • Trainer Cash Bonus: $500 when your trainee produces $2,500 their first week
  • Recruiter Cash Bonus: $500 when your Recruit produces $5,000 NAP


  • Career Track Stock Bonus: Earn up to $3,000 quarterly stock


  • Monthly Cash Bonus: Earn up to $66,000 in Cash and Stock Bonuses over the year
  • Monthly Stock Bonus: Earn $500 Torchmark Stock when you sell $30,000 or more in a month


  • Chicago Mid-Year Trip: 4 Levels in 20 weeks
  • Bahamas Annual Award Trip: Annual Qualification


  • FHLA 101: Two Green Outs -OR- $25,000 NAP past 6 months
  • FHLA 201: Field Director and above -OR- Agency Builders with 25 total submitting Agents Professionals in
    the previous full quarter -OR- One direct recruit AND $30,000 NAP in the previous full quarter.
  • FHLA 301: Market Director and above -OR- Three direct recruits AND $30,000 NAP in previous full quarter.
  • FHLA Masters: Invitation only through results


  • I Dare You “Master’s Jacket” Incentive (13 Weeks)
    • Sales Professionals: $60,000 NAP
    • Agency Builders: $200,000 NAP and 3 Direct Recruits
    • Agency Organization: 13 Agency Recruits

This is only a summary, please refer to the details of the 2019 Incentive, Awards and Recognition plan for more details

Phone Number:

512 300 0005


8705 Shoal Creek #200

Austin, Texas 78757