Careers · Income math
The first real milestone — for a new full-time agent ramping up, or a part-timer working evenings. Here’s exactly what it takes.
The short answer
At an illustration commission rate of 100%, $5,000 a month means about $5,000 of issued annual premium every month — roughly five final expense policies at an average of $1,000 a year each, or one to two a week. With fresh leads and a benchmark of about 150 dials per application, that’s roughly 45 dials a day across 20 working days. It’s a realistic early target for consistent agents, not a guarantee.
| Step | Number | How we got it |
|---|---|---|
| Monthly goal | $5,000 | Commission you want to earn in a month |
| Issued annual premium needed | $5,000 | $5,000 ÷ a 100% illustration rate |
| Policies that need to issue | ≈5 | $5,000 ÷ $1,000 average annual premium |
| Applications to submit | ≈6 | Not every application issues — plan on about 85% |
| Dials in the month | ≈880 | A common benchmark is ~150 dials per application with fresh leads |
| Dials per working day | ≈45 | Across 20 working days |
Cash-flow note: if your carriers advance 75% of first-year commission when a policy issues, about $3,750 of a $5,000 month lands up front and the rest follows over the next months as clients keep paying. Early months feel smaller than the math — that’s normal.
New agents working a full schedule often reach this pace somewhere in months two to four, once licensing, contracting, and training are behind them. At 45 dials a day, a full-timer still has room for training, call reviews, and follow-ups.
Evenings are when many prospects answer. Three focused hours on weeknights plus a longer weekend block can produce this pace once your skills are solid. Part-time takes longer to ramp because you get fewer reps.
| Full-time, ramping | Part-time, steady | |
|---|---|---|
| Dials a day | 40–60 | 35–50, mostly evenings |
| Presentations a week | 6–10 | 5–8 |
| Applications a week | 1–2 | 1–2 |
| Training and call review | Every day | 2–3 times a week |
Ranges are planning targets, not guarantees — your close rate decides how many presentations you need.
Your best hours are when prospects are home: late morning and early evening in their time zone.
Income math calculator
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Illustration only — not a promise, not a typical result, and not our contract schedule. Commission-only income depends on your activity, skill, persistency, and contracts. Chargebacks on early lapses reduce what you keep.
Doubling doesn’t mean doubling your hours. It usually comes from three places: more consistent daily activity, a better close rate from call reviews, and a higher average premium from covering both spouses and sizing coverage to the real need. See what $10,000 a month takes.
Straight answers
It’s possible once you’re trained and consistent — the math is about five issued policies a month. Part-time agents usually take longer to get there because they get fewer reps, and commission-only income is never guaranteed.
About five issued final expense policies a month if each averages $1,000 of annual premium and your rate is 100%. At a lower rate you need more premium; bigger policies mean fewer sales.
Many consistent full-time agents reach this pace within their first few months after licensing and training. Some take longer, and some never do — activity and coaching make the difference.
Before. As a 1099 contractor you pay your own taxes; many agents set aside 25–30% of each commission. Ask a tax professional about your situation.
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