GA Compensation Plan

Three tiers. Up to 155%.

The True Freedom Partners General Agent plan is built for independent brokers and agencies who produce. One contract level for every life and annuity product, a written promotion path, and an agency override at the top. Here is how it works.

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Agent level 80% to 115%

For individual brokers. Eight titles, from Professional Broker to President's Circle Broker.

Set by HQ at contracting from your experience, production and license record
Bring any one year's 1099 or W-2 from the past 3 years, plus prior contracts or commission statements

Agency level 120% to 145%

For agencies with their own agents. Six levels, from General Agency to Chairman's Circle Agency.

Match and beat: placed one level above your current contract
Promotion on Net Points across the whole agency, rolling 6 months
Your agency pays its agents from the spread

Leadership Performance Override +10% LPO

For qualifying 145% agencies, on qualifying life Target Premium, paid quarterly.

145% agency level plus 10% LPO reaches 155% on Diamond main products
Quarterly production, active-agent and persistency standards apply

One number to remember

Your contract level.

Every life and annuity product uses the same contract level. Each product has a Product Pay Rate that reflects the carrier's actual payout; Diamond main products pay at 100%.

Commission = Target Premium × Contract Level × Product Pay Rate

Example at a 120% contract and $10,000 Target Premium on a Diamond main product: $10,000 × 120% × 100% = $12,000. For annuities, Target Premium is the premium times the product's Annuity Target.

Match and beat. At contracting, your agency starts one level above your current commission contract, up to this plan's 145% maximum.
Retroactive for 12 months. Reach a higher level within your first 12 months and we pay the difference, in one payment, on business signed since you joined that the carrier has issued and paid, net of chargebacks.
Normal promotion after that. A new level applies from the first day of the following month. Agency level is reviewed annually on trailing 12-month Net Points and can move down as well as up, by no more than one level per review, on new business only.
Referral bonus. Up to 12% of the referred producer's Target Premium times the Product Pay Rate, paid separately and never taken from their commission. Requires an active life license, active appointments through TFP on the carriers written, valid E&O and a contract in good standing; the rate narrows as the referred contract rises so no policy exceeds 145% in total.
Net Points. 1 point per $1 of life Target Premium; annuities earn points at 5% of premium.

Diamond main products

Paid at your full contract level.

Designated Diamond main products from these carriers pay at the full contract level. Products from 20+ more Platinum carriers are set per product from each carrier's actual payout.

AllianzAuguStarCorebridge (AIG)F&GForestersMutual of OmahaTransamerica

The complete GA Compensation Plan is for members.

Log in to the member portal to download the full plan in English or Chinese, including level standards, LPO qualifications and terms.

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“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. This page is a summary. The GA Compensation Plan is an exhibit to the GA Agreement, which controls, together with applicable law and carrier rules. Brokers and agencies are independent contractors. Commissions are paid only on business issued and paid by the carrier, are subject to chargebacks, carrier advance limits and licensing and appointment requirements, and are not a guarantee of income. Income comes from selling authorized products and services; recruiting alone earns nothing. Contracting, appointments and commissions are through Quantum AI Financial & Insurance Agency Corp, CA insurance license 6006693.

GA 佣金制度

三层合约，最高 155%。

鸿鹄联盟总代理（GA）佣金制度，专为出业绩的独立经纪人和经纪公司设计：所有寿险和年金产品用同一个 contract level，晋升路径白纸黑字，顶层还有 agency override。下面是它的运作方式。

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Agent level 80% 至 115%

个人经纪人。八个级别，从专业经纪人到总裁圈经纪人。

签约时由总部按经验、业绩和执照记录核定
须提供过去 3 年任一年的 1099/W-2，以及原公司合同或佣金单

Agency level 120% 至 145%

自己带代理人的经纪公司。六个级别，从总代理到主席圈总代理。

Match and beat：按你现有合同直接给高一档
按 agency 全体净积分晋升，滚动 6 个月累计
用自己和旗下代理人合同之间的差额支付自己的代理人

LPO 领导力 override 再加 10%

给达标的 145% agency，按合格寿险 Target Premium 计算，按季度发放。

Agency level 145% 加 LPO 10%，在 Diamond 主力产品上合计 155%
须满足当季业绩、出单代理人人数和续保率标准

只需要记一个数字

你的 contract level。

所有寿险和年金产品用同一个 contract level。每个产品有一个 Product Pay Rate，反映保险公司对这个产品的实际佣金；Diamond 主力产品为 100%。

佣金＝ Target Premium × contract level × Product Pay Rate

例：合同 120%，Diamond 主力产品 Target Premium $10,000：$10,000 × 120% × 100% = $12,000。年金的 Target Premium ＝保费 × 该产品的 Annuity Target。

Match and beat。签约时按你目前的佣金合同，给你的 agency 高一档，最高对接到本制度的 145%。
12 个月内 retroactive。加入后 12 个月内达到更高级别，从加入日起签单、已承保且保险公司已付佣的业务，扣除退佣后按新旧合同差额一次补发。
之后正常晋升。达标确认后，新级别自下一个月 1 日起生效。Agency level 每年按过去 12 个月的净积分复核，可升可降，每次复核最多下调一档，且只对新业务生效。
介绍人奖金。最高为被介绍人 Target Premium × 12% × Product Pay Rate，另行发放，不从对方佣金中扣。须持有有效 Life 执照、通过鸿鹄联盟在出单保险公司有效委任、持有有效 E&O 且合约信誉良好；被介绍人合同越高，介绍人比例越低，保证每张保单合计不超过 145%。
净积分。寿险每 $1 Target Premium 计 1 分；年金按保费 × 5% 计分。

Diamond 主力产品

按你的 contract level 全额计算。

以下保险公司中被列为 Diamond 主力产品的，按 contract level 全额计算；另有 20+ 家 Platinum 保险公司的产品，按各保险公司的实际佣金逐个设定。

AllianzAuguStarCorebridge (AIG)F&GForestersMutual of OmahaTransamerica

完整的《GA 佣金制度》仅供会员查阅。

登录会员平台即可下载中文或英文完整版，包括各级别标准、LPO 资格和条款细则。

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「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。本页为摘要。《GA 佣金制度》是《GA 协议》的附件，以《GA 协议》、适用法律及保险公司规则为准。经纪人和 agency 均为独立承包方。佣金只在保险公司已承保并已付佣后发放，受退佣、保险公司预支上限及执照与委任要求约束，不构成任何收入保证。收入来自销售授权的产品和服务，招募本身不产生任何收入。签约、委任和付佣的主体是 Quantum AI Financial & Insurance Agency Corp（加州保险执照 6006693）。