A short course + state exam per line. Renewal commissions build recurring "residual" income; carry both P&C and Life/Health and the top 10% earn $135K+.
Gold = credential gate. Each turn: more skill → more pay → the next step.
1
Pre-licensing for a line of authority
Pick a line: Life, Health, Property, or Casualty. Course is short (8–40 hrs), low hundreds of dollars.
◆ GMA mentor + community leads
2
Pass the state exam → licensed
Pass your state's exam for that line; the state issues your producer license. Add lines with more exams.
3
Get appointed by carrier(s)
Captive (one carrier — base + lower %) or independent (many carriers, higher %). Captive is the easier start.
4
Sell policies → earn renewals · $60K
New-policy commission plus renewals every year the client stays.
5
Add lines / go independent
Carry both P&C and Life/Health and/or go independent for higher %. Top 10% >$135K.
The flywheel: every policy you sell keeps paying you renewals — so this year's sales become next year's baseline. Add lines and independence and the residual base compounds.
