Every group you BOR in your first 12 months at BENEFITRA stays at 100% commission — for life. No taper. No step-down. No giveback. Plug in your numbers and see what the next 5 years look like.
Step 1 — Your Current Practice
Tell us about your book today
Step 2 — Your BENEFITRA Partnership
Choose your agent type
Select the path that matches your situation.
BOR Agent 100% Forever
100%
Bringing your existing book. Every group you BOR in your first 12 months stays at 100% commission for life. No taper. New business at 75%. 25% SaaS lifetime on BOR'd book.
New Business Agent
75%
Writing new business only. 75% on agent-sourced deals. 25% Y1 / 15% Y2+ SaaS. Access to full platform + marketing leads.
Your Growth Expectations with BENEFITRA
7%
2%Your current: 12%15%
5 hrs
1 hrYour current: 1520 hrs
65%
10%65% typical100%
Step 3 — Your New Business Pipeline
Where will your new groups come from?
Different lead sources pay different commission rates. This reflects who did the work to find and qualify the client.
Agent-Sourced (Your Network)
You keep 75%
Groups you find yourself — referrals, cold outreach, your personal network, COI relationships. You found it, you closed it.
4
0/yrYour current: 220/yr
Warm Leads / Callbacks
You keep 70%
BENEFITRA's marketing generated the initial interest — voicemail drops, email campaigns, benefits calculator engagement — and the prospect responded. You make contact, build the relationship, and close.
2
0/yr2 typical10/yr
Qualified Appointments
You keep 65%
BENEFITRA found, contacted, and qualified the prospect via SEO inbound, demo requests, or BDR outreach. A meeting is booked on your calendar with a decision-maker who has a confirmed need.
1
0/yr1 typical8/yr
Fully BENEFITRA-Sourced
You keep 50%
BENEFITRA closed the deal — you had zero involvement in the sale. You service the account: enrollment meetings, employee questions, annual reviews. Think of it as bonus income for service work.
Side-by-side comparison: your current trajectory vs. partnering with BENEFITRA.
5-Year Income Difference
+$277K
+8.5% more with BENEFITRA
Year 5 Annual Income
$983K
vs $722K on current path
Total Groups by Year 5
25.5
vs 12.7 on current path
Hours Saved (5 Years)
2,600
10 hrs/wk back for selling
Annual Income Comparison
Current PathWith BENEFITRA
Year 1
Year 2
Year 3
Year 4
Year 5
5-Year Total
Year 5 Income Breakdown by Source
Breakeven Point
Month 30
When BENEFITRA income exceeds current path
New SaaS Revenue (5-Year Total)
$69,659
Revenue stream that doesn't exist today
Commission Structure at a Glance
BOR'd Book (within 12-month window)Forever
100%
Agent-Sourced New Business
75%
Warm Leads / Callbacks
70%
Qualified Appointments
65%
Fully BENEFITRA-Sourced
50%
SaaS — BOR'd Book
25% lifetime
SaaS — New Business
25% Y1 / 15% Y2+
Departure Trail
50% of current rate, lifetime
Like what you see?
These projections are based on your inputs. Let's talk about making them real.
YOU OWN YOUR BOOK. FOREVER.
Every group you BOR within your first 12 months at BENEFITRA stays at 100% commission for life. No Year 2 haircut. No Year 3 step-down. No giveback — ever.
If you leave or retire, you continue earning 50% of your commission rate for life on all groups that remain. On BOR'd groups, that's 50%. On agent-sourced new business, that's 37.5%.
No non-compete. No non-solicit. Just a fair structure that rewards partnership.
Benefits agents are often quoted vague commission numbers without seeing how they actually build. This planner lays the math out in the open: how case size, commission structure, and renewals combine into real take-home earnings.
New business commission scales with case size and the products placed. Renewals turn one good year into recurring income, which is where a benefits book compounds over time. Overrides and bonuses can add to the base depending on the carrier and structure.
Most pay a percentage tied to premium or a per-employee-per-month amount, with renewal commission that recurs as long as the case stays on the books. Structures vary by carrier and product.
Why do renewals matter so much to agent income?
Because they compound. New business is one-time effort for recurring pay, so a book that retains well produces a growing base of renewal income on top of new cases.
Is this planner specific to one carrier?
No. You enter your own commission structure and case assumptions, so it models your actual arrangement rather than a fixed carrier schedule.
Reviewed by Sam Newland, CFP, Founder of Benefitra. Last updated June 2026.
BENEFITRA Agent Earnings Calculator