The Retail Program is our flagship path to ownership — launch your own agency with the full power of an established national brand behind you and earn competitive bonuses from your very first policy.
Earning Potential Calculator
Built from the official 2026 Retail Bonus Program guidelines. Adjust the inputs below to model your 3-year income projection across all bonus tiers.
| Quarter | Base NB Comm. | Tier A % | Tier A Total | Tier B % | Tier B Total | Tier C % | Tier C Total |
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* Projections use the official 2026 Retail Bonus Program bonus percentages (340% → 84% over 12 quarters) with 15% quarterly commission growth compounding, based on district average data. Q1 starts at 340% Tier A for all agents. Tier placement from Q2 onward depends on meeting quarterly NB commission AND Life I&P targets AND having 2 L&A staff AND an approved office. Life/Commercial monthly bonuses are capped per the program guidelines. Programs not available in all states. Actual results will vary.
Program Overview
You simply show $100,000 in accessible funds — you keep every dollar. Bank statements are used to verify, not as a deposit.
You only need a Property & Casualty or Life & Health license to get started as a Reserve Agent. You'll need both to transition to full-time agency ownership — resources are available to help you get there.
You'll establish a professional storefront in your community. Full brand standards, signage support, and co-op marketing are provided.
Earn accelerated bonuses on top of base commissions when you hit monthly and annual production milestones. The faster you grow, the more you make.
Unlike a franchise fee, the $100K liquid capital requirement is simply shown as proof of financial stability. It stays in your account — you use it to run your business on your own terms.