For individual brokers. Set at contracting from your experience, production and license record.
For Top Producers and Agency Owners
Contracts up to 155%.* Your own banner.
True Freedom Partners is where serious insurance professionals go when they have outgrown ordinary contracts. Commission levels up to 155%, 40+ life and annuity carriers, a full product shelf and Quantum AI Financial's 24/7 platform behind you. Your clients, your brand and your team stay yours.
Up to 155%
40+ carriers
Full product shelf
Why producers move to TFP
Compensated like an owner. Supported like an institution.
- Match and beat: we place your agency one level above your verified current contract, up to this plan's 145% maximum
- Upgrades within your first 12 months are paid retroactively
- One contract level for every life and annuity product
- Advanced-market case design, digital contracting and clear commission tracking
155%*Maximum contractAgency level up to 145% plus a 10% Leadership Performance Override on qualifying life production.
40+Carrier relationshipsAllianz, Corebridge (AIG), F&G, Mutual of Omaha, Transamerica and many more.
FullProduct shelfLife, indexed and fixed annuities, long-term care, living benefits and business planning.
24/7Platform accessContracting, commissions, documents, training and support in one place.
Compensation
Three tiers. Up to 155%.
A simple plan built for people who produce. One contract level applies across every life and annuity product, and every step from your first case to agency leadership is written into the plan.
For agencies with their own agents. Match and beat: we start you one level above your current contract.
For qualifying 145% agencies, paid quarterly. Together that reaches 155% on Diamond main life products.
* “Up to 155%” is the highest combined contract an agency can earn on Diamond main products (145% agency level plus the 10% LPO when all LPO requirements are met). Other products pay according to their Product Pay Rate. Levels are governed by the GA Agreement and carrier rules and are not a guarantee of income.
Carriers
40+ carriers. One contract.
Through Quantum AI Financial you reach the carriers your clients already trust, with Diamond main products paying at a 100% Product Pay Rate.
Diamond main carriers
AllianzAuguStarCorebridge (AIG)F&GForestersMutual of OmahaTransamerica
Also available
American NationalAmeritasBanner (LGA)Columbus LifeEquitableJohn HancockLincolnMassMutualNational Life GroupNationwideNorth AmericanPacific LifePrincipalProtectivePrudentialSecurianSymetraWest Coast Lifeand more
Products
A full shelf, so you never send a client elsewhere.
From a first term policy to a multi-generation estate plan, the products and the case support are already here.
Term and whole life
Protection for families at every budget, with conversion options.
Indexed and universal life
IUL and GUL for cash value accumulation and carrier-backed lifetime guarantees.
Fixed and indexed annuities
FIAs and MYGAs for principal protection and contractual income guarantees, backed by the issuing carrier.
Long-term care
Traditional and hybrid LTC, plus chronic and critical illness living benefits.
Final expense
Simplified issue coverage that helps clients and families plan ahead.
Estate and survivorship
Second-to-die and legacy planning for high-net-worth families.
Business owner planning
Key person, buy-sell and executive benefit designs.
Advanced markets
Case design for premium finance, foreign national and complex cases. Financing is arranged with third-party lenders.
Choose your path
Two paths. One platform. Real freedom either way.
Some advisors want to maximize personal production. Others want to build a branded team with national reach. Both deserve a plan written for them.
Top Producers
Agent level up to 115%, with the case support of a large firm.
For experienced producers who want a better contract, cleaner operations and stronger case design, without giving up independence.
Agency Owners
Agency level up to 145%, plus a 10% override, under your own banner.
For leaders who recruit and build. Your agency pays its agents from the spread, sees its whole hierarchy and grows on real infrastructure.
The platform
Everything a top producer expects, already built.
Fast, digital, on demand
Appoint only with the carriers that strengthen your book, through Quantum AI Financial.
Clear and in one place
See your business without logging in to a dozen carrier portals.
A second chair on hard cases
Premium finance, foreign national, business owner and estate conversations.
A weekly rhythm
Onboarding, carrier product training and leadership sessions that keep momentum.
Hierarchy you can see
Recruit, mentor and grow with team visibility and a real coaching structure.
Your clients stay yours
You are an independent contractor. The brand, the relationships and the renewals stay in your name.
How it works
Four steps from the first call to partner.
01. Fit conversation
We review your production, business model, team goals and the cases you want to win.
02. Contract level
Agents are set at 80% to 115%. Agencies are matched one level above their current contract.
03. Plug in
Contract and appoint under Quantum AI Financial & Insurance Agency Corp, then get platform access.
04. Grow
Use training, case design and leadership tools to raise production, team strength and enterprise value.
Next step
See the contract level your book would start at.
Bring your current contract or a recent commission statement. In one call we will show you the level you would start at and the written requirements for each step up to 145% and 155%. Levels are not income projections.
招募顶尖经纪人与 Agency 负责人
合约最高 155%*，产品齐全，打你自己的旗号。
鸿鹄联盟（True Freedom Partners）是认真经营的保险专业人士的更高平台：合约最高 155%，40+ 家寿险和年金保险公司，产品线齐全，背后有 Quantum AI Financial 的 24/7 经营平台。你的客户、你的品牌、你的团队，始终属于你自己。
最高 155%
40+ 家保险公司
全线产品
为什么顶尖经纪人选择鸿鹄联盟
以经营者的标准付佣，以大机构的资源支持。
- Match and beat：按核实后的现有合同，直接给 agency 高一档，最高到本制度的 145%
- 加入后 12 个月内升级，retroactive 一次补发差额
- 所有寿险和年金产品，用同一个 contract level
- 高端市场（advanced market）案例设计、电子签约、佣金清楚可查
品牌宣言
鸿鹄有志，志在高远。
独立经营，自由发展。
资源共享，携手共赢。
加入鸿鹄联盟后，你的身份称谓是「鸿鹄合伙人」。
「鸿鹄合伙人」只是身份称谓，成员均为独立承包的持牌保险专业人士，不构成法律意义上的合伙关系。
155%*最高合约Agency level 最高 145%，合格寿险业务再加 10% LPO（Leadership Performance Override）。
40+保险公司渠道Allianz、Corebridge (AIG)、F&G、Mutual of Omaha、Transamerica 等。
全线产品齐全寿险、指数型和固定年金、长期护理、生前给付和企业主规划。
24/7平台随时可用签约、佣金、资料、培训和支持，一站搞定。
佣金制度
三层合约，最高 155%。
为真正出业绩的人设计，简单透明。所有寿险和年金产品用同一个 contract level；从第一张单到带团队，每一档的晋升条件都写在制度里，有据可循。
个人经纪人。签约时由总部按你的经验、业绩和执照记录核定。
自己带代理人的经纪公司。Match and beat：按你现有合同直接给高一档。
145% 的 agency 达标后按季度发放。合计在 Diamond 主力寿险产品上可达 155%。
* 「最高 155%」是一个 agency 在 Diamond 主力产品上可以拿到的最高合计（agency level 145% + 全部达标后的 LPO 10%）；其他产品按各自的 Product Pay Rate 计算。各级别以《GA 协议》和保险公司规则为准，不构成任何收入保证。
保险公司渠道
40+ 家保险公司，一份合约全打通。
通过 Quantum AI Financial，直接对接客户早已信任的保险公司；Diamond 主力产品的 Product Pay Rate 为 100%。
Diamond 主力保险公司
AllianzAuguStarCorebridge (AIG)F&GForestersMutual of OmahaTransamerica
更多合作保险公司
American NationalAmeritasBanner (LGA)Columbus LifeEquitableJohn HancockLincolnMassMutualNational Life GroupNationwideNorth AmericanPacific LifePrincipalProtectivePrudentialSecurianSymetraWest Coast Life等更多
产品线
产品全，客户的需求在这里都能满足。
从第一张定期寿险到跨代传承的遗产规划，产品和案例支持都已经准备好。
定期与终身寿险
各种预算的家庭保障，可转换选项。
IUL 与 GUL
现金价值累积，以及由承保公司履约的终身保证型万能寿险。
固定与指数型年金
FIA 和 MYGA，本金保障与合同约定的退休收入保证，由承保公司履约。
长期护理
传统和混合型 LTC，以及慢性病、重大疾病生前给付。
Final expense
简易核保的身后费用保障，帮客户和家人提前安排。
遗产与第二身故险
Survivorship 和财富传承规划，服务高净值家庭。
企业主规划
关键人保险、股东买卖协议（buy-sell）和高管福利设计。
高端市场
Premium finance（保费融资）、外籍人士和复杂案例的设计支持；融资由第三方贷款机构安排。
选择你的路线
两条路线，一个平台，都是真正的自由。
有些顾问想把个人业绩做到顶尖，有些想打造自己品牌的团队、布局全国。两条路线都值得一套为它量身定做的制度。
顶尖经纪人
Agent level 最高 115%，还有大机构级的案例支持。
适合有经验的经纪人：想要更好的合同、更简洁的运营和更强的案例设计，同时保持独立。
Agency 负责人
Agency level 最高 145%，再加 10% override，打你自己的旗号。
适合招募、带人、扩张的领导者：用合同差额支付自己的代理人，团队层级一目了然，在真正的基础设施上成长。
经营平台
顶尖经纪人需要的一切，都已经搭好。
电子化，按需委任
通过 Quantum AI Financial，只委任真正能增强你业务的保险公司。
集中可查，一目了然
不用再登录一堆保险公司系统，业务状况一眼看清。
难案子有人并肩做
Premium finance、外籍人士、企业主和遗产规划，都有专业支持。
每周固定节奏
入门培训、保险公司产品课和领导力会议，让团队持续有势头。
团队层级清楚可见
招募、带人、扩张，都有团队视图和辅导体系支撑。
客户永远是你的
你是独立承包的经营者，品牌和客户都在你名下。平台为你所用，而不是你为平台所用。
合作流程
从第一次对话到成为鸿鹄合伙人的四个步骤
01. 评估是否合适
我们先了解你的业绩、经营模式、团队目标，以及你想多拿下哪类案子。
02. 核定合约
个人经纪人核定在 80% 至 115%；agency 按现有合同直接给高一档。
03. 接入平台
在 Quantum AI Financial & Insurance Agency Corp 下完成签约和委任，开通平台。
04. 借助平台扩张
用培训、案例设计和领导力工具，提升业绩、团队实力和事业价值。