1-800-309-5202
info@finalexpenserecuiter.com
Richard Cazares & Associates

Review the Following

  1. Commission break down step by step (How you get paid)
  2. How to build your pay thru with direct bill.

Commission Break Down Step By Step

80% CONTRACT  1st Year Commisions   Renewals 
Plans Ages Checking* Savings** Direct*** 2-5 6-10
Final Expense
Non-Tobacco/Tobacco
0-80 80% 60% 40% 2% 1
  81-85 40 40 40 -- --
Modified Death Benefit 0-80 60 60 40 1 1
  81-85 40 40 40 1 1

 
*Checking-annual,semi-annual, or monthly checking draft

**Savings-monthly savings

***Direct-monthly direct bill or quarterly

NOTE: $800 MAXIMUM ADVANCEABLE INCOME PAID PER HOUSEHOLD.  THE DIFFERENCE OF YOUR ADVANCEABLE INCOME GOES TOWARDS YOUR PAYTHRU.

 

*ALL EXAMPLES ARE BASED ON $100 PREMIUM COLLECTED FROM CUSTOMER.

Example #1  

CHECK WITH AUTO WITHDRAWL*       ($100 PREMIUM)  X  (12 MONTHS)  = ($1,200 PRODUCTION)

X ( 80% )  = $960  X  (75%  ADVANCED) = ($720 COMMISSION)

( $240 PAY THRU )  DIV.  BY (12 MONTHS) = $20 A MONTH FOR THE NEXT 12 MONTHS

TOTAL OF $720 COMMISSION PLUS $240 PAY THRU = $960

Example #2  

SAVINGS ACCOUNT **        ($100  PREMIUM)  X  (12 MONTHS) = ($1,200 PRODUCTION)

X ( 60% ) = $720 OF WHICH  (50% IS ADVANCED) WHICH IS ($360 COMMISSION)

($360 PAY THRU) DIV. BY  (12 MONTHS)  = $30 A MONTH FOR THE NEXT 12 MONTHS

TOTAL OF $360 COMMISION PLUS $360 PAY THRU = $720

Example #3  

CREDIT CARDS OR MONEY ORDERS (DIRECT BILL)***      PAYED AS EARNED

($100 PREMIUM)  X  (12 MONTHS)  = ($1,200 PRODUCTION)

X ( 40% )  =  ($480 PAY THRU)  DIV.  BY  12  =   $40 A MONTH FOR THE NEXT 12 MONTHS 

TOTAL OF $480 FOR THE YEAR.

 

 

How To Build Your Pay Thru With Direct Bill

(APPROXIMATELY 20% OF YOUR BUSINESS WILL BE DIRECT BILL / 60% CHECKING / 20% SAVINGS)  

Example:

PRODUCE $15,000 IN MONTHLY PRODUCTION 

20%  DIRECT BILL  = $3,000 IN MONTHLY PRODUCTION

$3,000 X 40% = ( $1,200 PAY THRU)  DIVIDED BY 12 = $100 FOR THE NEXT 12 MONTHS = $1,200 A YEAR.

IF YOU PRODUCE $3,000 (PRODUCTION) DIRECT BILL EVERY MONTH FOR THE NEXT 12 MONTHS,  YOU ANNUAL INCOME INCREASES  $14,400