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A Division of Universal Benefits Inc
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YOUR GRAND OPPORTUNITY
Sterling Trail
Powder Springs GA
OUR AGENTS
EARN 100K PLUS
DAILY PAY

Laboris Louden
CEO, Your Grand Opportunity

Kentrell Williams
CEO, KWinc
YOUR GRAND OPPORTUNITY
NOW HIRING MOTIVATED INDIVIDUALS IN NC , SC, GA, VA [APPLY NOW]

150% COMISSION IS NOT
ALWAYS WHAT IT SEEMS!
DID YOU REALLY READ YOUR CONTRACT.
THE REAL STORY
HIGH COMMISSION CONTRACTS
There are a lot of IMOs that offer 100 -150% comp. However mostly only on super preferred clients or certain products. And don’t give you your back-end money on most of those products. As well as having to meeting unrealistic production numbers.
4-6 Month Charge back period
Some IMOs give you a 4-6 month charge back period. If the client charges back during this period you receive a 12 month charge back. Even though the client paid 5 months on the policy. Which leaves you paying more money back that you received.
BACK END MONEY
Most agent contracts require a policy to be in-force 9 months before you receive your 10,11,12, month commission. Some companies never pay out this money unless you keep a high persistency, or just simply hold that money just in case you leave the company, which means you never see it.
INTEREST ON ADVANCE DEBIT
Some IMOs contracts charge you interest on your advance debit. (contract advances are just small loans the insurance company gives you for writing an insurance policy). They have the right to add interest if you ever decide to leave. Which traps you at this company. Or leaves you a large vector debit when you leave.
CHARGE BACKS
Some IMO contracts require you to payback a full charge back before you get any commission check. Or Mislead you and say there are no charge backs taken out your commissions, However they take your back end commissions. WOW!
LEADS
Some IMOs require you to return all markreting material you receiced from the company,including all purchased leads, promotional and marketing material as well as anything related to your contracting. If you do not return all items which is impossible you loose all your back renewals. WOW! This is a great was to steal your backend money!

WHAT IS PAY THRU?
A Month paythru is the reminder of your commission most insurance companies never pay out. Usually the 10,11,12 month commission.
When does pay thru Start?
Paythru starts the second month of any inforce insurance policy.
How is it paid out?
The reminder of your commission which is usually 25-40 percent is divided by 12 and paid out to you on a monthly basis.
Why is pay thru important?
Paythru allows you to immediately start generating a monthly income from policies written instead of waiting an entire 9 months to receive your back end money.