Income Calculator Disclaimer
This Life Insurance Income Calculator is provided by PSI Groups for informational and illustrative purposes only. All figures presented represent gross income estimates based on prevailing compensation structures and average industry data. These projections do not constitute a guarantee of income or an offer of employment or contract.
Compensation Structure
Compensation estimates are calculated using an assumed average annualized premium of $1,110 per policy. Contract levels begin at 70% and may increase up to 120%, depending on individual monthly production. Commission levels are based strictly on issued and paid premium and exclude submitted but unpaid, canceled, declined, or refunded business.
Advancement in contract level requires meeting minimum production thresholds. For example, advancement from 70% to 75% requires a minimum of $10,000 in issued and paid premium during a single calendar month. All contract levels below 110% may be achieved with a one-month qualification period. For levels at or above 110%, producers must meet qualification criteria for two consecutive months.
Ongoing eligibility for advanced levels (Sales Manager and above) requires requalification in at least two non-consecutive months within each six-month period (January–June and July–December). All contract advancement is subject to compliance with the company’s placement and persistency standards, adherence to the 50% leg rule, and the qualification of direct agents (QERs).
PSI Groups and its affiliated partners reserve the right to modify compensation schedules, contract levels, bonus structures, or advancement criteria at any time. Any changes will be communicated via internal updates or official company channels. No advancement or compensation level is guaranteed.
Performance Requirements
Income projections assume consistent personal production aligned with the number of policies selected in the calculator. All earnings are contingent upon policy placement, approval by carriers, client persistency, and full adherence to the company’s quality and compliance guidelines.
Chargebacks & Adjustments
Policies that are lapsed, canceled, or refunded are subject to commission chargebacks. These chargebacks may reduce or eliminate earned bonuses or advancement eligibility. Compensation is finalized only after all quality control, underwriting, and carrier approval processes are completed.
Gross Income Advisory
All calculator outputs represent gross income before deductions. These figures do not reflect operating expenses such as licensing fees, marketing costs, lead generation, travel, administrative fees, or taxes. Actual net income will vary based on the agent’s business model and financial obligations.
Legal & Regulatory Compliance
PSI Groups operates in full compliance with all applicable federal and state insurance and marketing regulations, including the Federal Trade Commission Act, NAIC advertising guidelines, and the California Business & Professions Code §17500. Our practices are also in adherence with the California Consumer Privacy Act (CCPA) and similar data privacy laws across all 50 states.
All agent relationships are structured as independent contractor positions. Nothing contained herein shall be construed as an offer of employment or implied guarantee of compensation. Terms are governed by the agent’s executed agreement with Equis Financial and subject to modification at the discretion of Equis Financial and Integrity Marketing Group.
Usage Terms
By using this tool, the user acknowledges that all projected earnings are estimates based on publicly available data, internal performance metrics, and general industry benchmarks. Individual results will vary. This tool should not be relied upon as the sole basis for making financial or career decisions.
For further details or to review our complete compliance policies, please visit the PSI Groups Compliance Center.