Who we help
Commission income, no benefits package.
Your brokerage gives you a desk and a logo. Health coverage, life coverage and anything resembling a retirement plan are yours to sort out. Here is how that actually works.
Almost every agent is a 1099 contractor, which means the brokerage is not providing benefits and is not going to. You are buying your own coverage on income that arrives in lumps rather than fortnightly.
That lumpy income is the part most advice ignores. A premium that is comfortable in a month with two closings is a problem in a quarter with none, and the wrong answer is a plan you cancel in month four and re-buy at a worse rate later.
The other piece nobody raises: commission income stops entirely if you cannot work. Agents tend to insure the house and not the person selling it.
Get your free quote
Six fields, about a minute. We come back with what is actually available where you live.
What applies to you specifically
Cash flow matters as much as premium
A plan you can hold through a slow quarter beats a cheaper one you lapse. That is a design question, and it changes which options are worth looking at.
Subsidy estimates on commission income
Marketplace subsidies run on projected annual income. Commission makes that projection harder and the consequences of getting it wrong land at tax time.
Cash value as a liquidity tool
Some agents use properly structured permanent policies as a place capital can sit and still be reachable — a use case that comes up often in commission businesses. It is a long-horizon strategy with real trade-offs and costs, not a savings account, and it is not right for everyone.
Nothing pays you if you stop producing
No sick pay and no group disability. What happens to the household if you cannot list for six months is a question worth answering deliberately.
Questions we get asked
Does my brokerage offer anything I should check first?
Can I write premiums off as a business expense?
I have heard agents use whole life as a banking system. Is that real?
Read next
Health Insurance
Health insurance options for families, the self-employed and small business owners — plan types, what drives your cost, and the trade-offs between them.
Legacy Banking
How Legacy Banking works — the infinite banking concept applied with properly structured participating whole life, and the trade-offs worth understanding first.
Life Insurance
Term, whole life and indexed universal life explained plainly — how coverage amount, policy type and ownership structure should be matched to your situation.
This page is general education, not individualised financial, tax, legal or investment advice. Product availability, pricing and eligibility vary by state, county, age and health. Nothing here guarantees any particular outcome, cost or result.
Next step
Thirty minutes, and you will know where you stand.
A review is a short conversation about the coverage and savings you already have. We look at what you pay, what it covers, and whether there is a better fit available where you live. No cost, no obligation, and no pitch if nothing needs changing.