Personal production
Commissions on qualifying policies you write.Review the exact carrier/product rate, advance eligibility, and payment rules. Carrier commission payments are distinct from the submission estimates displayed in your workspace.
Understand the work.
Understand the economics.
Develop your own production with a clear view of compensation, case quality, and the responsibilities of running an independent insurance business.
Apply to CenturyMAKE THE MATH CLEAR
A submission. A commission. An advance.
These are different numbers. Learn how they connect so you can make informed decisions about your business.
COMMISSION ILLUSTRATION
See how the advance works.
Start with the $100 monthly premium and 75% commission example. Adjust the inputs to understand the calculation.
An illustration, not an earnings projection or a quote of your contract. Actual eligibility, rates, caps, and payment timing depend on the carrier and product.
NINE-MONTH ADVANCE$675.00
75% of the illustrated first-year commission.
Annual premium$1,200.00$100.00 × 12
First-year commission$900.00$1,200.00 × 75%
Months 10, 11 & 12$75.00 each
Earned as the applicable premiums are paid and the carrier releases commissions. An advance can be subject to chargeback.
HOW THE BUSINESS CAN DEVELOP
Three parts of the income structure.
Each part depends on the applicable contract and qualifying business. Understand your specific schedule before making a projection.
Renewal commissions
Continuing compensation where the schedule allows it.Some schedules may pay 2–5% renewal commissions for up to 10 years. Carrier and product terms, policy performance, vesting, and other conditions determine eligibility.
Eligible team overrides
Compensation linked to qualifying downline production.Where authorized, hierarchy and contract-rate differences can generate overrides. Developing a team includes training, support, and accountability; recruiting alone does not generate a commission.
YOUR BUSINESS SCOREBOARD
Measure more than what you submit.
A useful review connects activity, placement, policy performance, and cash. Century keeps those measures distinct.
The leaderboard recognizes submitted annual premium. Your operating decisions also need the issued-paid result, outstanding cases, actual commission deposits, chargebacks, and expenses.
Submitted AP
Annualized premium on submitted applications. A measure of production activity.
Placement
Issued-paid policies divided by submitted policies for the selected group.
Persistency
Whether previously issued coverage remains active at its review checkpoint.
Cash after recorded costs
Recorded commission cash less chargebacks and acquisition costs. Other expenses and taxes still affect your final profit.
Build around business that stays.
Use needs-based recommendations and sustainable premiums. Explain the policy accurately. Keep draft dates and outstanding requirements visible. Follow up after issue.
Review your written schedule with Century, understand how advances and chargebacks work, and plan for expenses. Income is variable and is not guaranteed.
A CLEARER PICTURE
Know what the numbers mean.
Understand the business before you take the next step.
YOUR NEXT CHAPTER
Build with a clear next step.
Tell us where you are today. We’ll talk through the path that fits your experience and goals.
Apply to CenturyReviewed personally by Alfonso Maldonado