New agents get a base. Experienced agents usually do better commission-only.

Most agencies do not pay residuals — and that's normal, not a red flag. When an agency pays for or provides your leads, they typically own the resulting book of business. You're paid commission on the sale, but the ongoing renewal income belongs to the agency, not you. This is the standard arrangement across most of the industry.

Residuals — where the agent keeps a share of renewal income over time — do happen, but they're the exception. They're more common when an agent is generating and owning their own business rather than working leads the agency paid for, or under specific carrier/agency arrangements that vary a lot.

The practical takeaway: don't assume residuals are part of any offer unless an agency states it plainly. We ask every partner agency directly whether they pay residuals at all, and we tell you upfront — rather than letting you find out after you've already built a book you don't own a piece of.

We're not going to give you a number. Income in this industry varies enormously based on product line, hours worked, lead quality, experience, and the specific agency — and anyone who hands you a flat dollar figure before you've even started is telling you what you want to hear, not what's actually true. That's not honesty, it's a sales pitch.

What we can tell you is what actually drives the range: commission-only versus hourly + commission, whether leads are provided or self-generated, how experienced you are, and which insurance type you're selling — Medicare and Indemnity tend to be steadier and slower-paced, while ACA and U65 run higher-volume with more variance. All of that is covered in more detail on our Insurance Types page.

What we track instead of a promised number: real, sourced data from actual agents at each partner agency — pay timeliness, whether compensation matched what was promised upfront, and whether agents there can realistically hit the income they're aiming for. That's the actual "How would you rate your ability to achieve the income you want here?" question we ask in every agent survey behind our Vetted Standard. It's a real answer from real people, not a projection.

Individual results vary based on effort, market conditions, and the agent. Nothing on this page or anywhere on this site should be read as a guarantee of income.