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
Annuity.com has been online since the earliest days of the internet — one of the very first websites dedicated to annuity education. For more than 25 years, this domain has been a trusted resource for retirement income planning, attracting over a million visitors.
Under the leadership of Founder & CEO Brett Blake, Annuity.com was acquired and relaunched as Annuity.com, Inc. — a modern, AI-powered distribution platform built to give independent agents a real path to ownership.
As AI reshapes how consumers find financial guidance, the Annuity.com brand becomes more valuable every day. When consumers ask AI where to buy an annuity, AI sends them to Annuity.com. When they land on the site, they find your listing on Find an Agent. Agents with LeadPro are already getting inbound calls from AI-referred clients — business that comes to you without buying a single lead.
AI is changing how clients find agents and how agents find opportunities. Agents without access to leading-edge technology will lose business to those who are AI-first. Annuity.com is AI-first.
Identify clients at risk of higher Medicare premiums due to income. Show them how an annuity can help.
Show clients how income sources trigger unnecessary taxes on Social Security — and position annuities as the fix.
Clients love finding out how long they might live — then asking if they have the money to last. A compelling lead magnet.
Helps clients figure out how much they need monthly to retire the way they want. Turns abstract planning into a concrete number.
Ask questions about products, carriers, and strategies. Get answers backed by carrier data. On demand.
A personal, lead-optimized subdomain on one of the first and most recognized annuity domains in the industry.
We're leading the industry away from "one-and-done" transactional selling toward long-term client relationships. We're building the technology and AI to automate annual reviews, trigger follow-on business, and help you earn more from existing clients — so you become less dependent on buying leads and more focused on deepening relationships.
Each Performance Pathway provides structured training and a community of agents to help you maximize any marketing approach you choose. These aren't standalone programs — they're integrated blueprints for success.
Through our partnership with industry legend Roy Snarr, all agents have access to the country's best seminar program. We focus on great marketing that improves over time, and great training to convert guests into clients. Events start at $3,500 — no expensive dinners.
A predictable system for converting purchased leads into appointments and closed business. Start with affordable marketplace leads, reinvest your commissions into higher-quality leads, and build a scalable, metrics-driven practice. Powered by our lead partner Financialize.
New agents learn the WIYN system and set qualified appointments. Experienced agents handle the close and earn up to 80% of street on business they didn't source or pay for. A clear path from appointment setter to fully independent producer earning 100% commission.
Reducing Annual Medicare Penalties. Our IRMAA-focused training and tools give Medicare agents a natural, compliance-friendly bridge to annuity conversations. Sell year-round instead of going quiet between enrollment periods.
Host your own local radio show or appear as a guest on our national podcast. Become the recognized retirement expert in your market.
If you're already selling Medicare, you're sitting across from the exact clients who need annuity guidance. Our training, tools, and IRMAA-focused approach make it easy — no prior annuity experience required. Sell year-round instead of going quiet between enrollment periods.
Learn About RAMP →Joining Annuity.com is free — and you get the full compensation plan, carriers, and tools. But if you're serious about building a business, we recommend LeadPro. It's the automated marketing engine that's already generating real business for agents.
When consumers ask AI where to buy an annuity, AI recommends Annuity.com — and finds our agents through Find an Agent. LeadPro subscribers are getting inbound calls from AI-referred clients right now.
LeadPro sends a done-for-you newsletter to your clients and prospects every two weeks. It keeps you in front of leads who aren't ready yet — until they are.
Professionally written, sent every two weeks.
Automated messages to every client.
Clients reminded automatically.
Personalized subdomain with WIYN tools.
AI and consumers find you directly.
@annuity.com email + business number.
Full CRM built for marketing.
Automated appointment scheduling.
AI-powered fact-finding and case design.
Tom Hegna OnDemand included — a $97/month value. World-class retirement income training from a bestselling author.
Everything you need to run a professional annuity practice — automated, branded, and built on the Annuity.com domain. We invest in our agents: Tom Hegna OnDemand alone is a $97/month value.
Join with LeadProBecause our agents are owners — and because they've built virtual teams — they want every agent who joins Annuity.com to succeed. Top producers share their knowledge openly.
Top producer Roy Snarr hosts a free weekly call at 11am CT open to any agent. Tips, ideas, Q&A. Agents love it.
Dr. Amanda in Colorado Springs joined and capped the company in her first year. She'll tell you it was possible because top producers answered her calls and gave advice every step of the way.
"I learned more about selling annuities in 3 months with Annuity.com than I had learned in my whole career prior."
This isn't a corporate talking point — it's the natural result of a model where every agent has skin in the game. When you succeed, we all succeed.
Early on, I recognized the value of owning an asset and not just selling as a job. So when I was introduced to Annuity.com's philosophy of partnering with agents — making them owners, I was 'all in!' We're going to build an agent-first company worth billions.
I've always loved my work and achieved the life balance I desired. I thought there was nothing I needed to change. However, Annuity.com made me realize my business lacked a viable exit strategy for retirement. With one simple change, moving my contracts to Annuity.com, I'm building an asset. I'm earning stock in a company that's set to transform our industry.
After my previous IMO was sold without notice or benefit to me, I realized how agents often miss out on the rewards of their work. Annuity.com's offer to earn equity was a clear win. It allows me a tangible stake in the company's success.
Every leader is focused on building an agent-first company. We're one of the few IMOs with a dedicated Chief Technology Officer — showing our commitment to technology that changes how agents work.
Led the acquisition and relaunch of Annuity.com, Inc. Previously scaled Beachbody's Team division from $50M to $975M. MBA, Harvard Business School.
Deep experience in financial products. Previously Managing Partner at Global Ventures Partners. Started his career at Fidelity Investments.
25+ years leading digital transformation. One of JetBlue's first 20 hires. Known for building agile, product-first cultures.
Bestselling author and nationally recognized retirement income educator.
Former commercial banker and COO of Spartan Composites.
Former President of Sagicor Life and CSO at Security Mutual Life.
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.
