Not just commissions — a full compensation plan with equity ownership, annual bonuses, team income, and residual agency overrides. Just by doing what you're already doing — with Annuity.com. Free to join. 60+ carriers. Non-captive.
Better economics, a Cap-the-Company bonus, and real equity ownership — just by doing what you're already doing.
Add annuities with full training, AI tools, and 100% street commission from day one.
Year-round revenue through our RAMP program — IRMAA tools that bridge the conversation naturally.
Start as an appointment setter through our Team Selling Pathway. Earn while you learn alongside experienced producers.
Wherever you are in your career, Annuity.com gives you the carriers, tools, training, and ownership opportunity to build something that lasts.
Compensation is how an IMO communicates your value. Most IMOs offer one thing: a commission plan. That's transactional — "what have you done for me lately." Meanwhile, those same IMOs offer their own executives base salaries, annual bonuses, and stock programs. Who do they value more?
We asked a different question: what if we compensated agents the way companies compensate executives? Five income streams, all available to every agent from day one.
Your street commission belongs to you. We don't skim it, reduce it, or dictate how you use it. We've even turned down carrier deals when agents could earn more going direct.
Too many IMOs quietly pay agents less than full street — taking the difference to fund "free leads" or "marketing dollars." One agent who joined us had been producing $10 million annually and was being paid $250,000. His full street commission should have been over $600,000. The difference went to his IMO.
When you hit $5 million in qualifying sales in a year, we cap our overrides — not yours. After $5M, you receive 100% of the Company Dollar on your production. Most agents elsewhere negotiate ~1% overrides. Our producers average ~2% after cap.
We took this from the playbook of the fastest-growing real estate brokerage in history. Every agent starts with the exact same comp plan — we don't do special deals. Your first $5M in production funds company operations and the Agency Builder Program. After that, the company is capped and the overrides flow to you.
One leader joined us specifically because his previous company told him he was "making too much money" and changed his comp plan — they capped him. We cap the company, never the agent.
Compensation experts agree: equity makes millionaires, not salary. Earn $1,000 in stock at $1M production, $4,000 at $3M, $10,000 at $5M — up to $15,000 in stock awards every year. Real ownership in Annuity.com, Inc.
Some IMOs offer "phantom stock" — bonus programs with a fancy label but no actual ownership. We offer real stock in Annuity.com, Inc. You earn it year after year, just like a top executive. And through our Race to a Million program, agency builders can compete for up to 250,000 stock awards (RSUs) by building a team of producing agents.
Stock value is not guaranteed and could be zero. But the opportunity to build ownership alongside the company you help grow is real — and it's something almost no other IMO offers.
Top producers who work with newer agents on team sales earn up to 80% of the street commission on business they didn't source and didn't have to purchase as a lead. All upside, no downside.
We encourage new agents to start as appointment setters — creating high-intent leads using our WIYN (What Is Your Number?) tool and working alongside experienced producers who handle the presentation and close. The experienced agent earns up to 80% of street on business that walked in the door. The new agent earns while they learn. Everyone wins.
Our Team Selling Pathway breaks every sale into 5 stages (each worth 20% of street). New agents progress through each stage as they build skills, earning more and more until they're fully independent at 100% commission.
Build a virtual team up to 7 degrees deep and earn overrides on their production. No recruiting department. No paying people to recruit. We're growing 5x faster than the IMO average because agents recruit agents — the Keller Williams model applied to annuity distribution.
Instead of paying 50% of overrides to employees, we invest that in the Agency Builder Program. The day will come when top earners receive more residual income from their team's production than from their own personal sales — without taking a single client appointment. Your agency is an asset you own, can sell, transfer, or bequeath.
Think of your agency overrides like an annuity: the monthly amount may start small, but a team producing month after month builds an asset of tremendous value. To generate $200,000/year in retirement income using the 4% rule, you'd need $3 million in savings. With the Agency Builder Program, you can build that same income stream by sponsoring just 2 producing agents a year and helping your team do the same.
We're one of the only IMOs that sends every new agent a Pre-Release letter at onboarding — signed by the CEO — confirming that if you ever choose to leave, we will release your contracts. We don't wait until you ask. We put it in writing before you write your first case. We hope you'll stay for life, but we want you here because you want to be — not because you're trapped.
Most annuity agents spend their career helping others retire worry-free — then work into their 70s and 80s because commission-only income doesn't build retirement assets. Annuity.com's Stock Program and Agency Builder Program change that. Build equity. Build a team that generates growing residual income. Build the retirement you've been selling to everyone else — just by doing what you're already doing, with Annuity.com.
Results shown are examples of what is possible and are not typical. Achieving these levels requires significant effort and dedication. All compensation is based on the sale of insurance and annuity products. Stock value is not guaranteed and could be zero. See full disclosures below.
Join COO Bruce Jensen for a closer look at what agents should be earning. A deep dive into all five income streams and new pathways to your own retirement. Every Wednesday · 9am Pacific
Join Comp Training CallJoin a live session with our leadership team. Walk through the compensation math. See our technology and online tools in action. Ask questions about carriers, equity, and the agency builder program. No pressure, no pitch — just a straight look at what we're building.
Join Wednesday's Live CallThe full compensation plan — all 5 income streams
Our technology platform and online tools
How the stock and agency builder programs work
Q&A with leadership and current agent-owners
Join Annuity.com for free. Get the full compensation plan, 60+ carriers, AI-powered tools, and five income streams — including equity ownership. Just by doing what you're already doing.
Not sure yet? Join our Wednesday call. Meet the team. Walk through the comp math. Ask anything.
No Guarantee of Income or Success: The earnings, production levels, and testimonials presented on this page are examples of what is possible. They are not typical or average results and should not be considered a guarantee or projection of your actual earnings.
Compensation Based on Product Sales: All commissions, overrides, bonuses, and other compensation paid to agents are based on the sale of insurance and annuity products to consumers. No compensation is earned for the mere act of recruiting or sponsoring other agents.
Independent Contractor Status: All agents are independent contractors and are not employees of Annuity.com, Inc.
Stock Program: The Agent Incentive Stock Award Program is subject to specific terms, conditions, and a vesting schedule. The stock is in a private company, is not publicly traded, and is subject to transfer restrictions. The value of the stock can fluctuate and could become worthless.
Program Modifications: Annuity.com, Inc. reserves the right to modify, amend, or terminate any aspect of its compensation programs at its sole discretion at any time.