Protection with purpose.
Start with their family, their needs and a premium they can sustain. Explain the options and help them understand what they’re applying for.
WELCOME TO
The High
PerformingAgency
Build your skill. Own your work.
Remote opportunity. Personal support.
Your next step starts here.
Current agents: access your resources.
New or licensed applicants: explore the agency.
Founded in
Orange County, CA
OUR WHY
A business that works
for everyone involved.
Help families make informed decisions. Give agents the training to serve them well. Build an agency through work we can stand behind.
Skill that stays with you.
Learn the conversation, practice the process and get direct coaching. Understand your leads, your production and the business behind each policy.
Growth built together.
Develop people, support the work and help good habits spread. Eligible production supports commissions and agency growth under the contract.
WHAT THE WORK LOOKS LIKE
One family.
One clear conversation.
A final expense lead is the beginning. Your job is to understand the need and guide the next step.
- Connect & listenConfirm interest, needs, budget and timing.
- Explain the optionsDiscuss appropriate coverage and eligibility.
- Help them applySubmit accurately and follow carrier requirements.
- Follow throughTrack issuance, payment and ongoing service.
THERE’S A PLACE FOR YOUR AMBITION
Your next chapter.
With a team
behind you.
We welcome people willing to learn, prepare and do the work. You don’t need to arrive with every answer. Bring your questions and a commitment to getting better.
Start the Application ProcessMeet the company.
Talk through your goals, schedule and the reality of commission-based insurance work.
Get ready to serve.
Complete licensing and contracting with a clear path and guidance on your next step.
Build your routine.
Practice the script, choose a lead approach and learn to track the business you write.
Keep developing.
Book coaching, learn Meta ads and grow alongside agents who take the work seriously.
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. Read the AP, IP and commission examples below to understand the structure.
Understand the compensation structureTHE COMPANY BEHIND YOUR NEXT CHAPTER
Ambition belongs here.
So does support.
Learning the business takes more than a lead list. It takes practice, clear numbers and someone you can call when you need help.
At The High Performing, our agents get direct coaching with Victor, Meta ads training and campaign setup at no charge. Build the habits, understand your production and grow with a team that shows up.
Meet your support systemREMOTE WORK. PERSONAL SUPPORT.
Build your business.
Bring it with you.
The High Performing is a life insurance agency built around serving families, developing agents and growing through consistent production. Connect with clients and your team remotely while building your own sales practice.
A connected workday.
Prepare, meet clients and follow up by phone or video. Work from a suitable private workspace with reliable internet, using the states and products you’re authorized to serve.
Coaching you can book.
Direct one-on-ones, script practice, Meta ads training and campaign setup are included for THP agents. Get support from licensing and contracting through your sales conversations.
Office access in OC.
Office access is available in Orange County. Agents must contact Victor for the location. Ask about team work sessions, lock-ins and upcoming events.
Contact VictorBUILD QUIETLY. SERVE CLIENTS. DO THE WORK.
Your business doesn’t need a spotlight.
You can focus on client conversations and personal policy sales without recruiting agents or becoming a social-media personality. Use the THP scripts, lead resources and coaching to develop your own practice.
Planning to work from another country? Ask Victor to review your intended location first. International work requires clearance for your location, licensing, carrier rules and secure client-data access; remote work is not automatic authorization to sell from every country.
CHOOSE HOW YOU WANT TO BUILD
Become a closer.
Build on your strengths.
Personal sales are a complete path. Agency leadership is an optional direction for people who also want to coach and develop producers.
Annual gross commission goal
A focused personal practice.
Work your leads, ask about the family’s needs, explain suitable coverage and help complete applications. Follow through on underwriting, first payments and client service.
Build a repeatable workweek around prospecting, appointments and follow-up. Book coaching to improve the conversations you are already having.
Annual gross commission goal
More depth. More personal production.
Develop stronger discovery, product knowledge and case management. Support a larger client practice with disciplined lead spending, fast follow-up and policy retention.
You can stay entirely focused on your own sales. Hiring agents is not a requirement for earning personal policy commissions.
Annual gross commission goal
Produce and develop producers.
Keep serving clients while helping agents learn, practice and build their own production. Coach quality business, client care and consistent execution.
Eligible overrides come from actual policy production under the compensation agreement—not simply from someone joining. Recruiting alone does not create an insurance sales commission.
These ranges describe goals for gross commission dollars received before expenses, taxes and chargebacks—not AP or IP premium. They are not measured agent averages, documented payouts or expected results. The goals overlap and are not automatic ranks; a personal producer’s goal is not capped by the ranges shown.
A SEVEN-FIGURE PERSONAL-PRODUCTION GOAL
Zero recruits in the math.
Here is what a $1 million goal would require in one simplified life-insurance example. The entire example comes from the producer’s own client policies.
Assumes 58 issued-and-paid policies each month, a $100 monthly premium on every policy and an actual 120% first-year product commission rate. This is a demanding hypothetical—not a THP result or an earnings forecast.
58 policies × $100 × 12 months$69,600 monthly IP
$69,600 × 12 production months × 120%$1,002,240 total first-year commissions
Nine-month advance, if eligible$751,680 initially advanced
Remaining 25%, as earned$250,560 later payments
First-year commissions on a year’s new policies are not the same as cash paid in that calendar year. Later payments may fall in the next year and require premiums to continue. Actual product rates, advance limits, placement, retention and chargebacks matter. Lead costs, other expenses and taxes are not deducted here.
PRODUCT OPTIONS ACROSS OUR CARRIER NETWORK
Options. Guidance. Service.Find the right fit for the family in front of you.
Carrier and product availability depend on your state, appointments and eligibility. Logos identify carriers shown in our agency materials.
YOUR AGENT RESOURCE CENTER
Welcome back.
Let’s get to work.
Pick up where you need to. Your leads, scripts, carrier contacts and training are all here.
YOUR NEXT CONVERSATION STARTS HERE
Come prepared.
Keep moving forward.
Read the script, know your lead and get help when you need it. Everything you need to prepare is within reach.
- 01
Prepare for the call.
Open the FEX script and objection handbook. Practice the exact conversation with your coach or a partner.
- 02
Understand your lead.
Know where the contact came from, what they asked about and how you’ll follow up. Start with the agency’s $1 FEX lead approach or discuss a campaign with Victor.
- 03
Complete the intake. Prepare the application.
Use the THP intake to capture the family’s need, health information, selected coverage and application requirements. Then review the carrier’s product rules and help the client complete the secure eApp.
- 04
Keep building your skill.
Study a training video, bring a question to a one-on-one and learn the AP, IP and commission structure behind your work.
Lead & time calculatorUnderstand your compensation
DIRECT SUPPORT FROM VICTOR
Your development is included.
One-on-one coaching, Meta ads training and agency campaign setup are free for THP agents. Leads and ad spend are separate.
Office access available in Orange County.
Agents can contact Victor for the office location.
Ask VictorFOR THE TEAM
The playbook.
At your fingertips.
Your scripts, THP Blueprint, client intake and carrier references. Unlock the team library to read, search and download what you need.
Original supplied training documents retain their author attribution. Discuss wording with Victor and use current carrier-approved guidance. Share these materials only with the team. Lock the library when you finish on a shared device.
FROM THE CONVERSATION TO THE APPLICATION
Your carrier center.
Prepare the intake, review the product and open the carrier’s application system. Sign in with your own appointed-agent account.
Team downloads use your existing library password. Completed client information belongs in the carrier’s secure application or your agency-approved client system.
Open the agent portal to begin an eApp, review product guides or find commission statements after signing in. Where a direct portal could not be confirmed, the button opens the official carrier website. Appointment, state and product eligibility still apply. Contact numbers are from the agency’s directory.
Official link destinations checked September 14, 2026. Account-only screens and application submission were not tested.
CHOOSE THE APPROACH
Match the lead source
to the way you work.
The offer, age of the lead, contact permission and follow-up process all matter. Price alone doesn’t tell you the whole story.
OUR STARTING FOCUS
Final expense. A clear call process.
Start with the $1 FEX lead plan, practice the conversation and track what happens from first contact to issued-and-paid business.
Aged leads
Reconnect with people whose information was collected earlier. First confirm whether the interest and need still exist.
- Ask when and how the lead was collected.
- Understand sharing and contact permissions.
- Plan time for repeated outreach.
Fresh purchased leads
Work a supplier’s newly delivered contacts with a clear plan for response, discovery and follow-up.
- Confirm what “fresh” and “exclusive” mean.
- Review delivery and replacement terms.
- Track contact rate and cost per application.
Your own campaigns
Shape the message, creative and form questions in your own Meta account. Learn from the campaign you control.
- Make the offer specific.
- Gather context for the conversation.
- THP does not resell your campaign’s leads.
LEAD SOURCES VICTOR HAS USED
Know the source.
Understand the offer.
Options we recommend exploring based on firsthand use. Choose around your budget, experience and capacity to follow up.
MARKETPLACE
IntegrityCONNECT Leads
Browse multiple vendors and lead types, including final expense, real-time campaigns and customizable ad campaigns.
- THP reference range
- About $0.50–$30 / lead
- Current price
- Check the marketplace listing
Useful when comparing sources in one platform. Source, age and intent vary by listing; these are not all insurer-generated form leads.
Explore Integrity leads Range supplied by THP; no fixed public range verified. Marketplace features checked Sep 13, 2026.VOLUME & NICHE LEADS
Grand Capital Lead
Volume lead options alongside veteran, trucker, mortgage protection and other markets. Compare the specific product and batch size.
- Premium volume
- $1 / lead · 250 minimum
- Volume pack
- $0.35 / lead · 500 minimum
At the listed minimums, that is $250 or $175 before any other charges. Ask THP about current packs and confirm source, age and availability.
Explore Grand Capital Public listing checked Sep 13, 2026. Other products and fresh niche leads are priced separately.REAL-TIME & AGED
Closr Leads
Volume, fresh and aged insurance leads with a built-in dialer option. A resource for agents organizing a consistent outreach routine.
- Volume / aged
- $1 volume · aged from $2
- Listed fresh examples
- $30–$32 / lead
Review the exact niche, delivery terms and minimum order. Dialer plans are separate; include tools in your total working budget.
Explore Closr Leads Public listing checked Sep 13, 2026. The $1 volume offer is a specific product, not a price for every lead.MULTIPLE INSURANCE MARKETS
G.O.A.T. Leads
Fresh and aged options across FEX, IUL, mortgage protection, veterans, truckers and more, including Spanish-language campaigns.
- Final expense
- $19–$31 fresh · $4 aged
- Other aged examples
- $6–$9 / lead
Compare the exact age bucket and market before ordering. Fresh niche pricing varies; trucker listings, for example, are higher than FEX.
Explore GOAT Leads Public listing checked Sep 13, 2026. Check current price, minimums and delivery terms at checkout.Compare the full cost.
Lead price, minimum order, age, sharing, contact permission, delivery and replacement terms all matter. These links open the vendor directly. THP’s experience is not a guarantee of your results; offers and inventory can change.
Understand your compensationYOUR STARTING POINT
First, get licensed.
One priority at a time. Complete licensing before spending on leads or starting sales activity.
BEFORE YOU ENROLL
Set up your work email.
Create an available address using your name followed by FFL, such as yournameFFL@gmail.com. Send the address directly to Victor so he can arrange your XCEL access. Keep your password private.
YOUR RESIDENT LICENSE
Follow your state’s path.
AFTER YOUR LICENSE IS ISSUED
Get ready for contracting.
Complete the agency and carrier requirements before soliciting business. Confirm appointments, required product training and your contract terms with Victor.
05THP budget: about $20
AML training
Complete the anti-money-laundering course your carriers accept. Save the certificate and confirm the current price and renewal requirements.
06Advertised from $26.17 / month
E&O insurance
Choose Errors & Omissions coverage that meets your contracting requirements. SuranceBay’s starting price depends on eligibility and plan terms; request your actual quote.
Finish this stage. Then build your sales routine.
Bring licensing questions to Victor or your designated team licensing channel. Once your license and required contracting are in place, move into scripts, lead strategy and client conversations.
Talk through your next stepTHE WEEKLY STUDY ROUTINE
Study one idea.
Put it into practice.
Pick one creator each week. Watch 1–2 videos, take notes and bring one useful idea into a role-play. New to insurance? Finish your licensing path first.
01Listen to the language.
Notice tone, pace and how they open.
02Study the objection.
What question helps clarify the concern?
03Follow the conversation.
How do they reach a recommendation?
04Think through the lead.
How does the source change follow-up?
VICTOR’S WATCHLIST
Choose where to start.
PLAN YOUR NEXT MARKET
Expand with a plan.
One state at a time.
Start with an active resident license, then confirm eligibility for each additional state and the authority you need.
2025 price reference supplied by THP
Historical planning figures for 50 states and D.C. These have not been reverified as current fees. Actual costs depend on resident state, license type, reciprocity, processing charges and other requirements. Confirm the current total on NIPR or with the state before applying.
| State | Region | 2025 figure | Current requirements |
|---|
DIRECT ACCESS. REAL DEVELOPMENT.
You bring the effort.
We bring the support.
Every THP agent gets access to personal coaching and Meta ads training with Victor. Your training and agency ad setup are included.
01
INCLUDED FOR THP AGENTS
Sharpen your skills.
Bring a call question, a case or a challenge. Work on your conversations, follow-up and weekly plan in a one-on-one session.
Book agent coaching02
INCLUDED FOR THP AGENTS
Build your own leads.
Get hands-on Meta ads training, creative guidance and campaign setup in your own account. THP does not resell the leads your campaign generates.
Book Meta ads training03
YOUR NEXT CHAPTER
Find your place here.
New to insurance or already licensed? Talk with Victor about licensing, the day-to-day work and building with The High Performing.
Start the Application ProcessNo training or ad setup charge for THP agents. Lead purchases, advertising spend, licensing, insurance and third-party tools are separate. Choose the purpose of your call and include it in your booking notes.
FIND YOUR FOCUS
A different conversation.
A campaign built around it.
Choose a lead type to learn what the conversation is about. Free Meta training and campaign setup are included for THP agents; ad spend is separate.
LEADS. TIME. PRODUCTION.
See the plan
behind the numbers.
Choose a lead type and explore one week of selling activity. See how your available time and budget affect the example.
ILLUSTRATIVE WEEKLY ACTIVITY
Submitted APPremium, not income
Issued & paid IPPremium, not income
Total first-year commissions
Initial nine-month advance
Fixed example model. 60% of selling time goes to outreach at 20 attempts/hour, with 3 attempts per lead; 40% goes to 45-minute appointments. Funnel: 60% contact, 70% booking, 80% attendance, 35% application and 80% issued/paid or funded.
These are illustrative assumptions, not measured THP results. Timing, conversion and payments vary. Commissions exclude expenses, taxes and chargebacks.
UNDERSTAND THE BUSINESS YOU’RE BUILDING
Know what you write.
Know how you’re paid.
Premium, commission and cash mean different things. Learn the structure, then use your actual contract and carrier statement.
Start with the agency’s entry compensation level.
Opportunity to progress through personal production.
Opportunity to progress while developing an agency.
THP’s compensation path as provided by Victor. Progression has production and agency requirements; levels are not automatic. Actual carrier and product payouts, contracts, advance eligibility and chargeback terms govern payment.
YOUR COMPENSATION GRID
Hit the standard.
Repeat it next month.
Meet the qualifying monthly production requirement in two consecutive months. These figures are issued-and-paid annualized premium (IP), not commission income.
80%–120% · Two production paths
Personal production or qualifying agency production.
| Contract | Personal IP | Agency IP |
|---|---|---|
| 80% | Starting contract | — |
| 85% | $10,000 | $30,000 |
| 90% | $15,000 | $40,000 |
| 95% | $20,000 | $50,000 |
| 100% | $25,000 | $75,000 |
| 105% | $30,000 | $100,000 |
| 110% | $35,000 | $125,000 |
| 115% | $40,000 | $150,000 |
| 120% | $50,000 | $200,000 |
125%–145% · Agency path
Qualifying total hierarchy IP plus the stated producing legs.
| Contract | Agency IP | Producing legs |
|---|---|---|
| 125% | $250,000 | 2 legs at $10,000 IP each |
| 130% | $400,000 | 4 legs at $10,000 IP each |
| 135% | $500,000 | 6 legs at $10,000 IP each |
| 140% | $750,000 | 8 legs at $10,000 IP each |
| 145% | $1,000,000 | 10 legs at $10,000 IP each |
A “leg” is a separate branch of your agency hierarchy. Each listed leg must reach at least $10,000 issued-and-paid production.
Example: the 85% personal threshold.
$10,000 IP in January and $10,000 IP in February meets the two-month production requirement. It is not $10,000 combined across both months.
Move in 5-point steps. Contract increases are 5 percentage points at a time, subject to approval. The grid does not mean automatic jumps between levels.
Maintain the level. After qualifying, meet the required production at least once every two months.
Agency qualification. Up to $25,000 personal IP counts toward builder qualification. The grid’s 50% maximum rule for a dominant direct leg applies; confirm qualifying credit with Victor.
Resolve existing debt. The supplied grid states that compensation increases will not be approved with existing debt.
Reference: compensation grid in the Blueprint you received from THP. Confirm the current schedule, eligible production and contract approval with Victor before relying on a promotion. Carrier and product rates may differ from your contract level.
A $100 monthly premium.
Here’s the structure.
Illustrative life policy at an 80% contract and full product payout factor, assuming the policy is issued, paid and eligible for a nine-month advance.
$100 × 12 months$1,200 annualized premium
$1,200 × 80%$960 first-year commission
$960 × 9 / 12$720 initial advance
$960 − $720$240 remaining as earned
AP — submitted annualized premium. Applications written, before placement.
IP — issued-and-paid annualized premium. Policies issued with the required payment made.
Advance — paid ahead of earning. The remaining portion depends on ongoing premiums and carrier terms. A lapse can create a chargeback.
Building an agency? Understand your spread.
Earn on eligible production.
A spread is the difference between eligible contract levels. It is not a second full commission and is not earned just for recruiting someone.
Example: a 100% eligible agency contract, an 80% writing-agent contract and $10,000 of eligible team IP at a full product payout.
20 percentage points
$10,000 × 20%$2,000 first-year override
Nine-month advance example$1,500
Remaining as earned$500
Illustrative nine-month advance example. Actual overrides depend on eligibility, hierarchy and carrier terms. Advances can be charged back. This excludes bonuses, renewals, expenses and taxes.
THE PEOPLE BEHIND THE HIGH PERFORMING
Different stories.
A shared standard.
Meet the licensed life insurance agents building with us. A team shaped by preparation, practice and the people we serve.
Gabriela Silveira Goncalves
Licensed life insurance agent
Khatera Said
Licensed life insurance agent
Marcus Jeremiah Ricard
Licensed life insurance agent
Alejandro Diaz
Licensed life insurance agent
Alex Olson
Licensed life insurance agent
Dee Dever
Licensed life insurance agent
Maria Elena Padilla
Licensed life insurance agent
Brandon Garza
Licensed life insurance agent
Carlos Antonio Garcia
Licensed life insurance agent
Adrian Montiel
Licensed life insurance agent
THE PEOPLE. THE PRACTICE. THE EXPERIENCE.
Put in the work.
Share the journey.
We make room for focused work, learning together and time beyond the desk. A team is built in the moments you show up for each other.
01 / LOCK INMake room for focus.
Bring your calls, your questions and your next goal. Lock-ins create time for script practice, campaign work and learning alongside the team.
02 / KEEP LEARNINGGet in the room.
Training and industry events bring new perspectives. Take notes, compare ideas and bring something useful back to your work.
03 / BUILD CONNECTIONA team beyond the desk.
Shared trips and time together help turn coworkers into a community. Connect with the people building alongside you.
Illustrative settings. Ask Victor about upcoming team events, eligibility and travel arrangements.
FOUNDER & OWNER / THE HIGH PERFORMING
Built with purpose.
Led by someone
in your corner.
Victor Daniel Pena
Founder & owner · The High Performing
Victor Daniel Pena serves families and business owners across the U.S. from Orange County, California, specializing in tax strategy, life insurance solutions, and financial guidance. Through TaxHackPros and The High Performing agency, he equips people to improve their finances, build businesses, and create stability for their families—guided by faith and a passion for making a real difference.
Through Target High Profit, Victor also helps business owners build their advertising campaigns. THP agents receive his Meta ads training, campaign setup and one-on-one coaching at no charge. Follow his main page, @714danielmk, for his work, perspective and life beyond the agency.
Personal coachingMeta ads mentorshipAgency development
COMPLIMENTARY · THP AGENTS
Design preview. Final print may vary.
WEAR THE STANDARD
Part of the team.
Make it yours.
Your THP T-shirt or hoodie is on us. Choose a statement back or the oversized THP monogram, then your garment and finish. Victor will confirm availability and arrange pickup or delivery.
For THP agents. Request only; stock and fulfillment are confirmed by Victor. Send the copied request in Instagram to complete it. Your name and selections are not submitted by this page.