Illustrative high-rise office overlooking a city at blue hour
THPTHE HIGH
PERFORMING

FINANCIAL SERVICES AGENCY · AGENT DEVELOPMENT

Build your
next chapter.

Your ambition. A practical plan.
A team to build with.

Commission-based life insurance work, with personal coaching and marketing support. Learn the work, serve families and build your practice.

Find your starting point See a working week
REMOTE OPPORTUNITYLicensed work. Personal support.
COACHING & SYSTEMSFrom preparation to production.
Illustrative setting

YOUR NEXT STEP STARTS WITH A CONVERSATION.

New or experienced? Find your path
FROM FIRST INTEREST TO YOUR NEXT CHAPTER

See the work take shape.

Illustrative workflow · fictional contact and payment
01 / THE MESSAGE
For the people
you call family.Explore life insurance options.
A clear need. A clear next step.
02 / THE INTEREST

A conversation
starts here.

Name
Alex Morgan
State
California
Best time to talk
After 5 p.m.
Interest received
03 / THE CONVERSATION

Listen first.
Guide the next step.

Understand the family’s needs, explain suitable coverage and help them through the application.

Follow-up is part of the work.
04 / THE POLICY

Follow through.
Get it in force.

Application submitted
Carrier approves and issues
First premium received

Help the family complete the application. Follow carrier requirements and confirm the policy is in force.

A submitted application alone does not trigger a commission payment.
05 / THE COMMISSION
$200 / MONTH POLICY · 80% COMMISSION EXAMPLE $1,920 Potential first-year commission
$200 × 12 = $2,400 annual premium$2,400 × 80% = $1,920 commission

$1,440 initial advance$2,400 × 0.75 × 80% · nine months advanced

$480 earned later$160/month in months 10–12, if premiums continue.

The first-year total is paid in stages—not all upfront.

Illustrative gross commission, not take-home income. Carrier timing, advance eligibility, deductions and chargebacks apply. Follow the full $200 example
06 / REINVEST

Give every dollar
a next step.

Set aside for taxesPlan for your tax situation.
Invest in your businessTools, training and operating costs.
Fund your next leadsSet a budget. Track the results.

Keep a reserve for taxes and possible chargebacks. Reinvest within your budget, then repeat the process.

IRS estimated-tax guidance

Make the message specific to the people you want to help.

01 / OUR STORY

Different beginnings.
A shared ambition.

Good salespeople know how to listen.
Great support helps them go further.

Our people bring experience from fields like property, automotive and financial services, as well as businesses they’ve built themselves. Different backgrounds, with a common drive to improve and help more people.

At The High Performing, we help turn that experience into a life insurance practice. Learn how to work aged leads, fresh inquiries and your own marketing—with coaching, scripts and systems that keep your focus on the conversation.

Personal production comes first.
Recruiting is optional.

THE SUPPORT BEHIND THE WORK

You bring the drive.
Here’s what’s behind you.

01 / PEOPLE

Someone to
work through it with.

One-on-one coaching, script practice and direct support from Victor.

Join agency
02 / SYSTEMS

Your next move.
Within reach.

Team playbooks, carrier contacts, a production calculator and follow-up tools.

03 / DEVELOPMENT

Learn to create
the conversation.

Meta ads training and campaign setup, with a clear approach to your market.

Join agency

Coaching, Meta ads training and campaign setup are included for THP agents. Leads, ad spend, licensing and third-party services are separate.

YOUR HOURS. YOUR BUDGET. YOUR PLAN.

What could your
week look like?

Explore three fictional work plans. Start with the time and money you can commit, then review actual results with your coach.

20 hours each week

Build around the day job.

Billy keeps his job and blocks four evenings plus Saturday for his licensed insurance practice.

Before starting: licensing, carrier contracting and a separate marketing budget.

ILLUSTRATIVE FOUR-WEEK BUDGET

100New inquiries
$12Assumed cost each
$1,200Lead spend

25 inquiries each week. Follow-up on earlier inquiries continues.

Tools and operating allowance$140
Total planned four-week spend$1,340
Adjust the full business calculator

CHANGE THE OUTCOME

Costs stay real.
Sales can vary.

Use the same $200 monthly premium and 80% product commission as the example above. Change the number of issued-and-paid policies. The nine-month advance is 75% of first-year commission; no conversion rate is assumed.

Potential first-year gross commission$3,840
Months 10–12, if premiums continue$960
Illustrative initial advances$2,880
Initial cash after planned spend$1,540

First-year commission is earned over the policy year, not all within four weeks. The initial cash figure deducts planned lead and tool spending only. Taxes, chargeback reserves, licensing and other costs remain. Advances can be charged back, and payment timing may extend beyond this period.

Fictional planning examples, not agent results or earnings forecasts. Lead costs, placement and income vary. Marketing can produce zero sales.

Talk through your plan
02 / JOIN AGENCY

A clear path
into the work.

New to insurance or already licensed? Start with a conversation, then take the steps that fit your experience.

Prepare your introduction
Your goals / Your next step
01

Meet Victor

Talk through your goals, schedule and the work.

Study / Exam / License
02

Get licensed & contracted

Follow your state’s requirements, then complete your agency and carrier setup.

Listen / Practice / Improve
03

Practice the conversation

Learn the script, understand the lead and build your calling routine.

Connect / Serve / Develop
04

Produce, then develop

Serve clients, review placed business and improve your routine. Add team leadership when you are ready; recruiting is optional.

YOUR STARTING POINT

Make the first
conversation useful.

Choose the path that fits today. Bring your questions; no income or production commitment is required to have a conversation.

  1. Discuss your state’s licensing steps.
  2. Plan time for study and practice.
  3. Understand startup costs before buying leads.

Coaching, Meta ads training and campaign setup are included for THP agents. Licensing, leads, advertising and third-party tools are separate.

Choose a time with Victor

Bring or paste these notes when booking. They are not submitted here.

BEFORE YOU GET STARTED

Do I need to be licensed already?

You can apply before you’re licensed. We’ll help you understand the licensing path. Complete the required license and contracting before selling or spending on leads.

Is agent training and Meta ads setup included?

Yes. THP agents get direct coaching, Meta ads training and campaign setup with Victor at no charge. Leads, advertising spend, licensing and third-party services are separate.

How does compensation work?

This is commission-based insurance work. Your actual contract, carrier, product, policy placement and advance terms determine payment. Review the compensation path and current requirements with Victor before relying on any example.

Understand the compensation path

UNDERSTAND YOUR PAY / ONE SIMPLE EXAMPLE

A $200 monthly policy.
Follow the money.

ILLUSTRATIVE INITIAL ADVANCE$1,44080% product rate · 9 months advanced

Start with the client's $200 monthly premium. Multiply by 12, then by 0.75 for a nine-month advance, then by the actual product commission rate. This example uses 80%.

  1. CLIENT PREMIUM$200/mo

    The client's monthly policy payment.

  2. × 12 MONTHS$2,400

    Annualized premium. Premium is not your income.

  3. × 0.75 / NINE MONTHS$1,800

    The premium basis for an eligible nine-month advance.

  4. × 80% PRODUCT COMP$1,440

    Illustrative initial advance: $200 × 12 × 0.75 × 0.80.

  5. LAST 3 MONTHS / AS EARNED$480

    $200 × 3 × 0.80. That's $160 per month in months 10–12, as premiums are paid.

POTENTIAL FIRST-YEAR COMMISSION$1,440 advanced + $480 as earned = $1,920

The last three months are part of the first year's commission, not a separate bonus or a payment three months after issue. The actual carrier schedule and continued premiums control payment.

“Sold” is not the payment trigger. The policy must be issued, the required premium received, and carrier and advance conditions met. Carrier processing, holds, deductions and your contract affect the amount and bank-deposit timing. Advances may be charged back if premiums stop.

$300 MARKETING / EXPLORE AN OUTCOME

Picture the week.
Check the assumptions.

Choose how many policies actually issue and pay. The $300 budget does not guarantee any number of sales.

Every policy in this example has a $200 monthly premium, an actual 80% first-year product commission and an eligible nine-month advance. “Veteran-family” describes the audience; it is private insurance and does not set the product rate.

ILLUSTRATIVE CASH FLOW

1 issued-and-paid policy in this illustration

Initial advances$1,440
Marketing spend−$300
After marketing only$1,140

Not net profit. Other expenses, taxes, deductions and possible chargebacks are not included.

Months 10–12 commission, as earned$480

This is scenario math—not a forecast of what Victor’s system or $300 of advertising will produce. Marketing can result in zero sales.