HBW Levels

Production credit includes 100% of premiums from Life, Disability, and Long Term Care, 100% of commissions on Debt and Trust, 100% of Fixed and Indexed Annuities commissions paid, 100% of GDC for Securities, and 100% GDF for Advisory Services.

For promotion to all levels, every new recruit (minus spouse) counts as 1,000 in production credit within a base shop and or hierarchy.

No more than 50% of production can come from any leg for purposes of promotion. 100% of personal production counts toward any promotion.

Charter VP – Charter NDA

HBW Franchise designation. 100,000 annual Base Shop production credit through all core HBW business lines required to attain and maintain position. Increase in base shop compensation based on base shop production guidelines with 8 generation override system.

  • Revenue sharing in all core lines
  • Special meetings, conventions, incentive trips, and advanced training

National Director of Agencies (NDA)
Executive Vice President (EVP)
Agency Vice President (AVP)

No production required to maintain position. Increase in base shop compensation based on base shop production guidelines with 8 generation override system.

Provisional Agency Vice President (PAVP)

This position is available for SAM's not yet ready for AVP and previously licensed agents with proven experience in our industry. No production required to maintain position. $100,000 production credit in your entire organization in 1 year or $75,000 in gross personal commissions (cash flow) to be promoted to AVP.

Senior Agency Manager (SAM)

No production required to maintain position. 100,000 production credit in your entire organization in 1 year or $75, 000 in gross personal commissions (cash flow), to be promoted to Agency Vice President.

Agency Manager (AM)

No production required to maintain position. 50,000 production credit in your entire organization in 1 year, or $50, 000 in gross personal commissions (cash flow), to be promoted to Senior Agency Manager.

Training Manager (TM)

No production required to maintain position. 20,000 production credit in your entire organization in 1 year, or $20,000 in gross personal commissions (cash flow), to be promoted to Agency Manager.

Representative (Rep)

No production required to maintain position. 10,000 production credit in your entire organization in 1 year, or $10,000 in gross personal commissions (cash flow), minimum 5 cases, to be promoted to Training Manager.