Call 848-272-3234Book

    Mon–Fri, 9am–6pm ET · A real person picks up

    For 1099 licensed agents only. This math applies when you pay your own leads, CRM, dialer, and chargebacks.
    The commission truth

    If you're paid less than 100% commission, you're being robbed.

    Here's what a $20,000 week actually pays a 1099 agent — after 100 leads, CRM, dialer, E&O, and the chargeback reserve nobody talks about.

    See the 100% contract 848-272-3234

    The real weekly P&L

    You write $20,000 of AP in a week. About 75% is commissionable ($15,000). Your carrier advances 70% now; the other 30% trails over 9–12 months. As a 1099 agent, every one of these expenses comes out of your pocket — not the IMO's:

    • 100 leads × $25$2,500
    • CRM · dialer/lines · E&O · tech$500
    • Chargeback reserve (advance clawbacks)$1,500
    • Total weekly overhead$4,500
    70% contract
    Take-home / week
    $2,850
    ≈ $142,500 / year
    • Your commission$10,500
    • 70% advance now$7,350
    • Weekly overhead−$4,500
    • Trailing (30% later)$3,150
    ⚠ One chargeback week from negative.
    90% contract
    Take-home / week
    $4,950
    ≈ $247,500 / year
    • Your commission$13,500
    • 70% advance now$9,450
    • Weekly overhead−$4,500
    • Trailing (30% later)$4,050
    100% (Divine Path)
    Take-home / week
    $6,000
    ≈ $300,000 / year
    • Your commission$15,000
    • 70% advance now$10,500
    • Weekly overhead−$4,500
    • Trailing (30% later)$4,500
    Tipping point

    Raise your lead cost from $25 to $30, or lose one policy to chargeback, and the 70% column goes negative. That's why so many agents on 70–80% contracts burn out inside 12 months.

    The gap
    A 70% contract costs you $157,500 a year — same production.
    A better way

    There's the old IMO way.
    Then there's Divine Path.

    Same production. Same expenses. Wildly different life.

    The old IMO way
    • 70–80% starter contract, promotion tied to production quotas
    • You pay for leads, CRM, dialer, E&O — every dollar out of pocket
    • IMO keeps the override spread on your policies forever
    • Trails held hostage by vesting schedules and non-competes
    • Chargebacks land on you if a client cancels in the first year
    • Recruiters call you a 'partner' but the contract says otherwise
    The Divine Path way
    • 100% commission contracts from day one — no hoops, no hidden splits
    • Real exclusive leads and a marketing/dialer stack included
    • You own your book — trails are fully vested and portable
    • Clear written contract, no equity traps, no fine print
    • Real training and mentorship from Stan and the team
    • Faith-based, family-first, agent-first — in that order

    Better Plan with Stan.

    At Divine Path, 1099 agents contract at 100% — with real leads, real training, portable trails, and no hidden overrides skimming your book.

    • 100% starting commission
    • Portable book of business
    • No fine print
    Apply to Divine Path 848-272-3234

    See our No Fine Print commitment on the Careers page.