New Era Financial

NEOS

Internal preview · authorized access only

CONTAINS CONFIDENTIAL COMPENSATION DATA — DO NOT SHARE
DASHBOARDGood evening, OAKMAN — here’s the empire at a glance.
+ New ▾
👤Add Lead $Add Deal 🤝Add Recruit 👤Add Agent 📅Add Event ⏰Add Reminder 🔗Add Referral
📷My Card — day / week
📞 Start MMA
👤 Me▾
👤 Me — my numbers only 👥 My Team — everyone under me 🦁 New Era Financial — the whole tree
📅 This Week▾
Today Yesterday This Week Last Week This Month Last Month This Quarter This Year
Specific day
Custom range
AUG 3 – AUG 9, 2026 · vs LAST WEEK
🔥
YOUR WHY — CAPTURED DAY ONE, READ BACK IN EVERY 1-ON-1
“So my mom never has to look at a price tag again — and my kids repeat MY story, not the old one.”
🏀
“Success is never final. Failure is never fatal. It’s courage that counts.”
— JOHN WOODEN
Submitted Business$12,860▲ +32% vs last week ($9,725)
Total Commission$12,014at 130% contract▲ +28% vs last week
Upfront (75%)$9,010paid on issue▲ +28% vs last week
Deferred (25%)$3,004months 10–12▲ +28%
Total Deals118 issued · 3 pending UW▲ +3 vs last week
Est. Payouts$8,420next 30 days▲ +12%
Override Upfront$2,180from 4 downline writers▼ −8% vs last week
Override Deferred$726months 10–12▼ −8%
🎖 Bonus Ladderissued paid volume · the next rung, always visible
Producer Bonus · personal
$1,600earned at $40K submitted
✅ CONGRATS — $40K TIER LOCKED IN
$40,000 today$8,600 more → $2,000 bonus at $50K
$20K$650
$30K$1.2K
$40K$1.6K
$50K$2K
$75K$4K
$100K$8K
$125K$10K
$150K$15K
$200K$20K
Team · comp level & VP bonus
115%team $150K · 3 legs at $10K
✅ VP ENTRY REACHED
$126,400 team AP$173,600 more → 120% at $300K · 5 legs
$150K115%
now●
$300K120%
$600K125%
$1M130%
$1.5M135%
$2M140%
$2.5M145%
VP bonus eligibility: $150K qualified BP1st leg ≤50% = full credit
📅 Payout ScheduleWeek of Aug 3
MONsubmitted$1,140
TUEdeposit+$862
WEDsubmitted$2,210
THUdeposit+$1,644
FRIsubmitted$890
SATdeposit+$2,384
SUN—
Submitted this week: $4,240Projected income: +$4,890
🎯 GoalsOUTPUTS
🎯 SET & EDIT GOALS IN ME vs ME →
OUTPUTS ONLY — INPUTS (DIALS · HOURS · REPS) LIVE IN STATS → THE WORK
🏆 LeaderboardPINNED
👑Caleb Reeves$2,807
#2D. Okafor$2,410
#3YOU$2,384
#4J. Castillo$1,980
#5R. Vega$1,455
←Week of Aug 3, 2026→
🗺 Policy Map
Hottest: TX · 6 · GA · FL · NCAll 50 shown · full vector map in production (Closio-style)
🔥 The Funnelthis week · must dwindle
Dials1,412100%
Pickups28920% of dials
Convos142>10s · 10%
Health684.8%
Presentations41quote given · 2.9%
Closes191.3% · $12,860 AP
Funnel health: CLEAN — every stage dwindlesvs last week: closes +4
💵 P&L — Profit Chain
MONEY IN THE BANK — THE CLIMBBUSINESS EXPENSES — THE DIP
EVERY DIP LANDS HIGHER THAN THE LASTdeposit = sales × comp × 75% upfront
EXPENSES THIS PERIOD:LEADS $6,200STATES $800TRAVEL $450SYSTEMS $400OTHER $150
$0Deposits in
$0Business expenses
$0In the bank
⚡ Recent Dealsthis week
M. DelgadoTrans FE · issued · Aug 6
$1,320
L. OrtizMoO IUL · pending UW · Aug 5
$2,400
A. ReyesAmerico HMS · issued · Aug 4
$1,140
J. ColeMoO FE · issued · Aug 3
$962
📅 This Week▾
Today Yesterday This Week Last Week This Month Last Month This Quarter This Year
Specific day
NE · THE BOARD
🔥 CALEB REEVES closes $2,807 · Americo FE◆ 🏆 PR ALERT: R. VEGA best day — $1,455◆ 🤝 CALEB REEVES 4th hire ✓ exam booked◆ 📈 YOU moved to #3 — $526 behind Okafor◆ ⭐ STAR WATCH: D. OKAFOR promoted to 4★ — tracking 5★ by Q4◆ 🎓 2 new agents enter Training Camp Monday◆ 👑 High score to beat: $161,000 — ANGEL MORENO
🧥
RACE TO THE HALL OF FAME · JAN 1 → DEC 31 2026
27% TO THE RED JACKET
YOU: $108,400 / $400,000 ISSUED · TAP FOR THE RACE

Recruiting

Your pipeline · your apply link: apply.newerafinancial.co/angel
7In pipeline
2Interviews this week
2Hired · exam booked
19dAvg hire → contracted
Applied3
T. Nguyenvia your link · 2h ago
B. Frankmanual add · yesterday
S. Oseivia your link · 2d ago
Interview Set2
K. RamirezMon 9 AM
D. WhitfieldWed 9 AM
Videos ✓1
L. Trammellall 3 watched
Interviewed1
P. Sosastrong · Fri group
✅ Hired2
U. Chaparro PROJ ★★★★Day One done · exam Fri
C. Ishimitsu PROJ ★★★bootcamp done · E&O pending
AUTOMATIC Hired → portal sent → account created → Day One tasks → exam booked. No human sends anything.
🎯 My Funnel — Your Personal Apply Doorone public page · your slug · every application routes to YOUR pipeline
3 of your last 14 applications came through your link. Applications with no slug land in the house pool. Hiring is a button in here — never a public form — so override attribution can’t be disputed.
IG / TIKTOK BIOAD CTAFLYER QREMAIL SIGNATURETEXT BLAST
Send a tokened invite (email + text) or add a warm-market recruit silently — one desk, both plays.
DEV: SLUG → SEAT ROUTING · NO SLUG → HOUSE POOL · TCPA CONSENT STORED W/ TIMESTAMP · HIRE BTN → GHL ONBOARDING TRIGGER
📤 Invites — Yours & Your Team’severy seat recruits day one · sponsor = whoever sent it · owner re-trees in the org chart
J. Carterinvited by YOU · 2h ago
INVITED · NOT OPENED
M. Ortizinvited by YOU · yesterday
SIGNED UP · BOM THU 7PM
R. Boydinvited by K. Ramirez · 3d ago
FILM ✓ · INTERVIEW FRI
T. Vegainvited by D. Washington · 5d ago
HIRED · SEAT LIVE
Agents see their own invites. Builders see their leg’s. You see all of New Era.
All Recruitsfilter by where they stalled — click any row for the full record
Name ⇅Source ⇅Stage ⇅Days in stage ⇅UplineStatusActions
Rows per page1
🔥 The Recruiting Funnellast 90 days · it has to dwindle
42 applied → 3 contractedEvery 14 applications = 1 producer
⚠ Bottleneck Trackeractual days vs the standard · last 90 days
YOUR BIGGEST BOTTLENECK TODAY
VIDEOS → INTERVIEWED
42% never show. 8 recruits sat here past target this quarter — average 4.1 days against a 1-day standard. Fix this one stage and you add ~2 producers a month without a single new lead.
Applied → Interview
0.8d▼ 0.2 UNDER
Interview → Videos
1.1d▼ 0.9 UNDER
Videos → Interviewed
4.1d▲ 3.1 OVER
Interviewed → Hired
0.9dON TARGET
Hired → Exam booked
1.4d▲ 24H RULE BROKEN
Exam → Licensed
8.2d▼ 1.8 UNDER
Licensed → Contracted
17d▲ 2 OVER
Gold = inside the standard · red = past it · the line is the targetRuns on every agent’s own tree
FORM 1NEW LEADA buyer inquiry. Filled from ＋New → Add Lead (or the public lead form) → lands in Book of Business → Leads, staged and dialable. Never mixes with recruiting.
FORM 2NEW RECRUIT / APPLICATIONSomeone who wants IN. Filled from ＋New → Add Recruit (or the Indeed apply flow) → enters the Recruiting pipeline as a possible recruit — BOM, interview, offer.
FORM 3HIRED → THE PORTAL INVITEFilled the moment you say yes. Creates their account, sends the invite — and the first screen they ever see asks ONE question: do you have an NPN? That answer routes everything below.
🔑 The NPN Gate — the portal’s first questionone question, two roads · nobody gets a menu
WELCOME TO NEW ERA, JORDAN AVERY. ONE QUESTION BEFORE ANYTHING ELSE:
Do you have an NPN?
W-2 staff hires never see this question — the Hired form’s ROLE field routes them to staff setup instead.
⏱ The Clock — every recruit, timed through every segmentgreen = cleared · gold = in it now (live timer) · red = stalled past target
Marcus Webbhired Aug 14 · upline: Caleb · no NPN → Day One track
NOW IN: XCEL · DAY 3⏱ 2d 14h in stage
STUDY SIGNAL 🟢2.4h logged today · 71% course
AHEAD OF PACE
GMAIL + VIDEOS4h 10m
EXAM BOOKED11h ✓ in 24
FINGERPRINTSsame day
XCEL STUDYday 3 of 5
EXAM DAYFri Aug 21
E&O + CONTRACT—
Tasha Odomhired Aug 12 · upline: you · no NPN
NOW IN: EXAM DAY PREP⏱ 6h in stage
STUDY SIGNAL 🟢practice test 84% last night
ON PACE
GMAIL + VIDEOS6h 40m
EXAM BOOKED22h ✓ in 24
FINGERPRINTSnext day
XCEL STUDY4d 6h
EXAM DAYTOMORROW
E&O + CONTRACT—
Devon Pratthired Aug 11 · upline: Dave Rice · no NPN
NOW IN: XCEL · DAY 6⏱ 5d 20h — target is 5 days
STUDY SIGNAL 🔴0 hours logged in 2 days · 34% course
INTERVENE TODAY
GMAIL + VIDEOS9h
EXAM BOOKED23h ✓ barely
FINGERPRINTS+2 days
XCEL STUDYSTALLED ⚠
EXAM DAYMon — at risk
E&O + CONTRACT—
Elena Ruizhired Aug 15 · upline: you · NPN verified → licensed transfer
NOW IN: CONTRACTING⏱ 4h in stage
LICENSED ✅onboarding skipped by the gate
DIALING THURSDAY
GMAIL + VIDEOSskipped
EXAMhas NPN
XCELskipped
E&O2h
CONTRACTINGcall booked 3pm
TRAINING CAMPThu
Time-in-stage is the recruit’s pulse, and the STUDY SIGNAL is the truth-teller — XCEL hours are logged by the course itself, not self-reported. Devon’s two silent days told you he was in trouble four days before a failed exam would have. The stall flag fires the upline AND the admin automatically — nobody discovers a dead recruit at week three.
Onboarding Trackwhere your hires are right now
✓Account createdautomatic2
✓Day One · exam booked= recruit counts2
✓Shadow Dayavg 3d1
!Passed exam1 stalled 11 days1
5Bootcamp completein-OS1
6E&O & contractedavg 15d0
🏆First salethe finish line0
New Era Bootcampread → do → proof → complete
1
DAY ONE7 installs · ends with the exam booked
24h rule
Congrats · roadmap screensaver
Business Gmail (name.ffl@)
Watch all 3 videos
Enter candidate channel
Schedule state exam
Schedule fingerprints
XCEL course setup (free)
2
EXAM DAY3 installs · all same day
avg 7d
Pass state exam
Complete fingerprinting
Apply for state license
3
FINISH LINE3 installs · then Training Camp
avg 15d
Bootcamp complete
E&O active
Contracting call complete

Book of Business

Every person you’ve ever touched — and every policy on the books.
WORKING · LEADS82 need a call today
CLIENTS ON THE BOOKS4$9,178 AP · 93.1% persistency
DRAFTING · UNCONFIRMED6$18,940 — confirm as they land
FREE LEADS SITTING7referrals one number away
🙅8LEADS

Everyone you’re working who hasn’t bought yet — stages, follow-ups, sources.

OPEN THIS WHEN → “Who do I call next?”
🤝4CLIENTS

Everyone who bought. Expand one → their whole file: Client File PDF, Policy Promise, policies, add anything.

OPEN THIS WHEN → “I need this client’s file, promise, or paper.”
🔗26REFERRALS

Beneficiaries and contacts captured at every close. Number confirmed = automatic warm lead.

OPEN THIS WHEN → “Where are my free leads?”
💰6POLICY PIPELINE

Submitted → issued → drafted → paid, with the leak and the carrier issue rates.

OPEN THIS WHEN → “Did my money actually land?”
🛡3RETENTION

The save queue and the touch rhythm — policies wobbling, ranked by how fast you can still save them.

OPEN THIS WHEN → “What’s about to fall off my book?”
Name ⇅Source ⇅TypeStage ⇅Last touch ⇅Follow upActions
Rows per page1
Client ⇅Carrier / Product ⇅Policy No. ⇅Draft date ⇅Status ⇅Annual premium ⇅Actions
Rows per page1
01AT THE CLOSE, YOU COLLECTBeneficiaries and emergency contacts — name, relationship, phone. Part of the application, not an extra ask. Every one links back to the client who gave it.
02NUMBER CONFIRMED → IT’S A LEADPhone on file = auto-created as a referral lead in your Leads tab. No number = stays on the client’s file as info only. No number, no lead — the system never fakes a prospect.
03NOBODY HAS TO TELL YOUThey’re already sitting in your dial list, marked warm, source attached. 21% close rate vs 8% on bought leads — and they cost nothing.
ON FILE · AUGUST26from 11 applications
WITH A CONFIRMED NUMBER19auto-created as referral leads
INFO ONLY — NO NUMBER7one field away from being a lead
SOLD3$7,140 AP · $0 lead cost
🔗 The referral bookevery name · who gave it · lead or info-only
NameCame fromRelationshipPhoneStatusAction
Rosa DelgadoMarcus DelgadoSPOUSE(210) 555-0177SOLD · $2,400
Denise WhitfieldDelores WhitfieldDAUGHTER · BENEFICIARY(210) 555-0164LEAD · APPT SET
Luis SepulvedaAna SepulvedaSON · BENEFICIARY(956) 555-0121LEAD · NEW
Gloria BanksTerrell BanksMOTHER · EMERGENCY— none givenON FILE ONLY
Pete NgoPriscilla NgoHUSBAND(210) 555-0135LEAD · CONTACTED
Gloria is one phone number away from being a warm lead. The script at the table is one sentence: “Who else in the family needs to be protected like this?” You got names on 7 of 7 apps where you asked — you just didn’t ask on 4. That was ~$4,800.
Submitted is not paid. A policy has to survive five stops before the money is yours — and every stop is a place it can die. This page is the only honest picture of what you actually wrote. The number your bank account cares about is the last box, not the first.
SUBMITTED
$30,948
14 policies · August
IN UNDERWRITING
$4,180
2 policies · avg 9 days
ISSUED
$33,767
11 policies · incl. July carryover
DRAFTED
$18,940
6 awaiting your confirm
PAID & CONFIRMED
$14,827
5 policies · money landed
6
Six policies drafted — did the money actually land? NEOS knows the carrier pulled the draft. It does not know your bank. Confirm each one below. A NO opens a reason and starts the chargeback clock before it becomes a surprise on your Debt tab or your upline’s Roll-Up Risk.
ClientCarrier / ProductDraft dateExpected inAnnual premiumYour netDid it pay out?
Delores WhitfieldFinal Expense · 68FAmericoAug 3Aug 6 · 72h$1,428$892✓ CONFIRMED PAID
Marcus DelgadoIUL · 41MMutual of OmahaAug 5Aug 8 · 72h$4,800$3,240✓ CONFIRMED PAID
Yolanda PryorFinal Expense · 72FAmericoAug 10Aug 13 · 72h$1,092$682
Terrell BanksTerm · 35MTransamericaAug 11Aug 14 · 72h$960$576
Ana SepulvedaFinal Expense · 64FEthosAug 12Aug 15 · 19d late$1,344$806
Raymond ChoIUL · 47MCorebridgeAug 13Aug 20 · rolls a week$6,000$4,050
Priscilla NgoFinal Expense · 59FForestersAug 14Aug 17 · 72h$1,176$729
THE LEAK — SUBMITTED BUT NEVER ISSUED
You submitted $30,948 and issued $26,910 of it. $4,038 died on the way — that is 13% of your month, and almost all of it was preventable.
No payment method on file2 policies · bank info never collected at the table
$1,680
Client stopped answering1 policy · no contact after submit
$1,188
Failed underwriting — undisclosed condition1 policy · health questions rushed
$720
Missing requirement never returned1 policy · carrier asked, nobody followed up
$450
The fix is one habit. Three of these four — $3,318 — die at the kitchen table, not at the carrier. Collect the bank draft info and finish the health questions before you leave. That single change is worth more than 40 extra dials.
ISSUE RATE BY CARRIER — WHO ACTUALLY PAYS YOU
Same effort, same client, wildly different odds the money shows up. Write the top of this list.
Americo
96%4 of 4
Transamerica
94%2 of 2
Corebridge
91%2 of 2
Foresters
89%1 of 1
Mutual of Omaha
87%2 of 2
Ethos
61%1 of 3
Ethos is the outlier and it is not close. 61% issue rate, drafts running 19 days late, and no usable way to track debt on their side — which means their chargebacks show up as a surprise on your Debt tab and your upline’s Roll-Up Risk. Ethos is option four. Not option one.
YOUR PERSISTENCY93.1%above 90 = full bonus
AT RISK NOW3$4,860 AP wobbling
SAVED THIS YEAR7$11,300 AP kept
ONE SAVE IS WORTH~$1,240commission + persistency + no chargeback
🚨 The save queuefastest saves first · the clock decides the order
ClientPolicyWhat happenedThe clockThe save
Yolanda PryorAmerico · FE · $1,092AMR-88712NSF · AUG 13re-draft in 2 daysCall TODAY — move the draft past her SSI date. 80% save rate inside 72h.
Walter KimAmerico · FE · $1,440AA-4472118CANCEL REQUESTcarrier holds 10 daysConservation call — re-quote $8/mo lower before the window closes.
Berta ReyesMoO · FE · $2,328MO-55102NO CONTACT 94 DAYSanniversary Sep 2Touch call before the anniversary letter lands.
⚙️ The retention engine — Yolanda’s timelineevery policy runs this checklist automatically · admins see the same list
✓Policy Promise packet sentAUTOAug 1 · day of issue — emailed + mailed the same day the carrier approved
✓Day-15 mail checkAUTOAug 20 · “your policy should have arrived in the mail by now — text me if it hasn’t”
✓3-day draft heads-upAUTOAug 18 · full policy details + your number · repeats EVERY month, 3 days before her draft
Draft day → confirm it paidAug 21 · feeds the Policy Pipeline confirm queue — the loop closes itself
Her birthdayADMIN CAN TAKENov 12 · a call, not a text — flagged to you AND your admin, whoever grabs it first
Beneficiary birthday — DeniseADMIN CAN TAKEJan 8 · the beneficiary who feels remembered never lets the policy lapse
1-year check-inAUTOAug 2027 · “it’s your life agent — checking in, make sure you still have my info, hope all is well”
WHAT EVERY REMINDER TEXT CARRIES — SAME FORMAT, EVERY TIME
Hi Yolanda — it’s OAKMAN, your life agent. Quick reminder: your Americo policy #AMR-88712 ($1,092/yr · beneficiary: Denise Whitfield) drafts on Aug 21. Any questions or if anything changed, my personal line: (210) 555-0100. I’ve got you. 🦁
Cadence rule: two touches a month — 3 days out and 1 day out — not five. Five texts every month reads like a bill collector and trains clients to ignore you. The full 5-4-3-2-1 countdown switches on automatically only for at-risk clients — an NSF on file, a save in progress, or persistency flags. Normal clients get rhythm; wobbling clients get pressure.
📅 The rhythmfour touches per client per year · each one is also a referral ask
30 DAYSNew-policy check-inAug 18 · Delores Whitfield — “any questions, and who else needs this?”
BIRTHDAYA call, not a textAug 21 · Maria Gonzalez 🎂
ANNIVERSARYBeat the carrier’s letterSep 2 · Berta Reyes
90 DAYSReview + second askSep 9 · Marcus Delgado
0.5 hrto save a policyvs3.7 hrsto replace it with a new saleThe 30-minute save call is the highest-paid half hour in this business.

My Pay

What you're actually getting, and when. Every number here is NET.
👪 FAMILIES PROTECTED THIS YEAR: 47 — THAT’S THE REAL SCOREBOARD
📅 Month to date▾
This week Month to date Last month Quarter to date Year to date Last year
Custom range
💵 MY ESTIMATED PAYOUT
📅 Aug 17 – Aug 23, 2026 ▾
ESTIMATED = CARRIER-ISSUED AP × YOUR COMP × 75% UPFRONT — BACK-END 25% PAYS MONTHS 10–12. TEAM VIEW SHOWS YOUR OVERRIDE (THE SPREAD), NOT THEIR CHECK.
🎬 HOW TO FIND YOUR COMMISSION STATEMENTS — WATCH (4 MIN)💼 NUMBERS WRONG? IP / PRODUCER / VP BONUS ISSUES → Ed Terrell (issued-paid) ed.terrell@familyfirstlife.com · Bill Greenleaf (producer & VP bonuses) bill.greenleaf@familyfirstlife.com · ALWAYS CC AP@familyfirstlife.com
MY CONTRACT
130% — every commission, override and spread on this page is computed from this number. Wrong level = every number wrong.
❓ HOW YOUR PAY ACTUALLY WORKS — the 4 steps, the split, and persistency ▾
STEP 1✍ You write itSubmitted AP. No money yet — this is the promise.
STEP 2✅ Carrier issues itUnderwriting approves + first draft clears. Now it counts.
STEP 3💰 You get 75%The advance. 72 hours after the draft — every carrier but Corebridge.
STEP 4📅 The other 25%Months 10–12, then residuals every year after.
Paid · month to date$26,590▲ +18% vs July
Still coming$18,940next 30 days
Bonuses earned$1,600producer bonus, Aug
Owed to you later$31,420back end + residuals
91.4%PERSISTENCY
≥90%100% of bonus
<90%95%
<85%85%
<80%75%
<75%65%
<70%50%
<50%NOTHING
Keep it above 90% and you keep 100% of every bonus. Persistency is the % of your book still paying. Drop under 90 and FFL scales your bonus down — at 85% you'd lose $240 off this month's $1,600 alone, plus it eats your residuals for years.
HEADROOM
+1.4 pts
2 lapses from the line
VIEW
AUGUST 2026LIVE · 11 WORKING DAYS LEFT
$33,000GROSS INCOME
−$3,786MONEY OUT · LEADS + CHARGEBACKS
$29,214NET INCOME
88.5%PROFIT MARGIN
💵 This month so farreceived vs still coming · tick them off on Schedule & Verify
INCOME · CONFIRMED IN THE BANK$26,590 of $37,876 expected
$26,590 received$11,286 remaining · 8 payouts
COMING OUT · DEBT + LEAD SPEND$3,040 of $3,786
$3,040 already deducted$746 remaining
Next deposit: $6,412 · Monday Aug 17 — 72 hours behind the Aug 14 drafts. Nothing on this page is a guess; the remaining $11,286 is drafts already on the calendar.
🔁 Expected money — your recurring depositsNEOS knows the cadence · red = expected and not confirmed
Americo~weekly · 72h after draft
Mon Aug 174 policieson schedule+$2,890
Transamerica~weekly · 72h
Mon Aug 172 policieson schedule+$1,305
Ethos~weekly · runs late
Aug 15 · 1 day late1 policyexpected, not confirmed — chase it+$806
Corebridgerolls a week
Thu Aug 201 policy · IULon schedule+$4,050
This is the Monarch trick turned into an early-warning system: NEOS knows what recurs and when — so the moment a carrier misses its window, the row turns red before you noticed the money was missing.
GET PAID
💵
THIS CHECK“What’s hitting my account and when?”
$6,412
📅
SCHEDULE & VERIFY“Did my clients’ drafts pay out?”
6/14
⏳
IN FLIGHT“Where’s the money I already earned?”
$3,931
🧾
STATEMENTS“I need proof of income.”
12
THE MULTIPLIERS
🌳
OVERRIDES“What is my team paying me?”
$6,410
🏆
BONUSES & TRIPS“How close am I to the bonus / the trip?”
3
🏢
CARRIERS“Which carrier is actually paying me?”
72h
💼
BACK END“What’s still owed to me later?”
25%
PROTECT IT
⚠
DEBT“Why is my check smaller than expected?”
−$746
🛡
ROLL-UP RISK“Whose debt could land on me?”
$3,890
📊 CASH FLOW BARS · SEP 2025 – AUG 2026green up = in · red down = out · gold line = net
MONEY INMONEY OUTNET
The red never grows. The green does. Money out has been flat around $2,500–$3,800 for a year while money in doubled — that’s the business maturing: same engine cost, bigger engine output.
🌊 Where it flows — Augustevery source → you → where it went
COMMISSION$20,180 OVERRIDES$6,410 BONUSES$3,470 BACK END + RESID.$2,940 YOU · $33,000 LEAD SPEND−$2,400 CHARGEBACKS + SYSTEMS−$1,386 KEPT$29,214 88.5% OF EVERY DOLLAR
Read it left to right: four streams in, two leaks out, one river kept. The leaks are the cost of the machine — $3,786 buys the $33,000. Anyone who calls lead spend an expense is reading the chart backwards. Return on the machine: $8.72 back for every $1 out — if that falls two months straight, Lead ROI on Stats will name the leak.
🍭 BREAKDOWN DONUT — where the month came fromevery slice a source · center = gross
$33,000 GROSS · AUGUSTNET $29,214 · 88.5%
Personal commission
$20,180 61.2%
Overrides
$6,410 19.4%
Bonuses
$3,470 10.5%
Back end + residuals
$2,940 8.9%
Money out
−$3,786
Net income
$29,214 · 88.5%
One glance: is the gold slice shrinking? Commission should lose SHARE every quarter while the pie grows — that’s the system taking over the paycheck. Overrides + bonuses + back-end + residuals = 39% of the month you didn’t dial for — and that share grows every month you build.
NEXT DEPOSIT · NET IN YOUR ACCOUNT
$6,412
MONDAY · AUGUST 17, 2026
2 DAYS OUT · 72 HOURS FROM THE AUG 14 DRAFTS · 4 POLICIES
The number that hits the bank — after the advance split, after chargebacks, after lead debt. $1,314 already landed Tuesday from the Aug 9 drafts. Money arrives roughly three days behind every draft date, all month long — nothing to reconcile later.
📈 Every deposit this yeareach bar is money that actually landed · gold line = 8-week average
$11,204 PR NEXT
MARAPRMAYJUNJULAUG
Twenty-two deposits, one gold bar coming. The dashed line is your 8-week average and it has climbed every month since May. The tall bar in July is $11,204 — the PR to beat. Nothing on this chart is a projection; every bar already hit the bank.
How it got to $6,412the waterfall
Submitted AP
$9,010
Your comp · 130%
$11,713
Advance · 75% up front
$8,785
Not yet issued
−$1,627
Chargebacks
−$400
Lead debt
−$346
NET DEPOSIT
$6,412
💳 Check historyevery deposit, back as far as you've been here · click any one to open it
MON AUG 1772hr · Aug 14 drafts · 4 policies · upcoming
$6,412
TUE AUG 1272hr · Americo · 1 policy
$1,314
THU AUG 772hr · Aug 4 drafts · 5 policies + override
$8,140
WED JUL 30Corebridge · rolled a week · 3 policies
$4,655
FRI JUL 2472hr · Jul 21 drafts · 6 policies + bonus
$11,204
TUE JUL 1472hr · Jul 11 drafts · 4 policies
$5,890
Best check: $11,204 · Jul 22 — beat itAverage: $5,340 · 8-week trend ▲ up
What's in this check4 policies cleared underwriting this week
ClientCarrier / ProductAPCompAdvance 75%StatusYour cut
Maria GonzalezAA-4471902American Amicable
Final Expense		$1,348130%$1,314ISSUED & PAID$1,314
Curtis NolanAMR-88213Americo
Final Expense		$986130%$961ISSUED & PAID$961
Denise HollisCB-55192Corebridge
Final Expense		$1,694130%$1,652ISSUED & PAID$1,652
Walter KimAA-4472118American Amicable
Final Expense		$1,440130%$1,404ISSUED & PAID$1,404
OVERRIDE FROM 4 DOWNLINE WRITERS$1,827
CHARGEBACKS + LEAD DEBT−$746
Payout timing depends on the carrier — see Pay ScheduleNET $6,412
6/14
VERIFY YOUR MONEY — AUGUSTNEOS knows what drafted and when the carrier should pay it. It cannot see your bank account. Tick off each client as the money actually lands. Eight still unconfirmed, worth $11,286.
$7,654
CONFIRMED IN THE BANK
AUG 6 · THU$1,574 · all confirmed
Delores WhitfieldAmerico · drafted Aug 3
72h · on time$892FE✓ IN THE BANK
Hector SalasTransamerica · drafted Aug 3
72h · on time$682Term✓ IN THE BANK
AUG 8 · SAT$3,240 · confirmed
Marcus DelgadoMutual of Omaha · drafted Aug 5
72h · weekend, still paid$3,240IUL✓ IN THE BANK
AUG 13 · THU$682 expected · 1 unconfirmed
Yolanda PryorAmerico · drafted Aug 10
due 2 days ago$682FE
AUG 14 · FRI$576 expected
Terrell BanksTransamerica · drafted Aug 11
due today$576Term
AUG 15 · SAT$806 · running late
Ana SepulvedaEthos · drafted Aug 12
Ethos runs late$806FE
AUG 17 · MON$1,305 expected
Priscilla NgoForesters · drafted Aug 14
72h$729FE
Bernice TrappAmerico · drafted Aug 14
72h$576FE
AUG 20 · THU$4,050 · Corebridge, rolled
Raymond ChoCorebridge · drafted Aug 13
rolled a week$4,050IUL
📤
Faster way: drop in your carrier statement. Upload the PDF or CSV a carrier sends you and NEOS matches every line to a client and ticks them off automatically. One upload can clear a whole week. Anything it can’t match gets flagged for you instead of disappearing.
❓ WHY VERIFY BY HAND — AND WHERE THIS IS GOING ▾
WHY YOU’RE DOING THIS BY HAND — FOR NOW NEOS does not read your bank. Until it can, you are the confirmation step — and that is not busywork: every tick you make is what keeps My Pay honest, credits your persistency, and stops a missed draft from quietly turning into a chargeback nobody noticed.
Where this goes: a read-only bank connection, the way Monarch or Copilot does it — deposits match themselves and the ticks disappear. Statement upload is the bridge; bank linking is the destination.
⚡ 72-HOUR CARRIERSmoney moves fast

These carriers pay you within 72 hours of the draft date — the temporary is taken at submission, so the money releases as soon as the draft clears. Draft Monday, paid by Thursday.

72-hour — every carrierCorebridge — rolls a week
⚠ COREBRIDGE — THE ONE EXCEPTIONrolls to the next week

Every carrier pays you within 72 hours of the draft date. Final expense, term, IUL — the product doesn’t matter. Issue it, it drafts, and roughly three days later the money is in your account.

Corebridge is the only one that doesn’t. A Corebridge draft rolls into the following week’s run instead of paying in 72 hours.

💡
Which means your pay is a stream, not a paycheck. Eight drafts across a month on eight different days = eight deposits, each about three days behind its draft. Spread your draft dates and you get paid every week of the month instead of waiting on one run.
Next 30 days$18,940▲ based on draft dates already set
Paid YTD$142,880net, after everything
Avg per week$5,340last 8 weeks
Biggest week$11,204Jun 24 · the PR to beat
⏲ When each carrier pays youdraft date → money in your account
CarrierRuleIf it drafts Mon Sep 1…Weekend draftSpeed
American Amicable72 HOURSpaid Thu Sep 3still ~72hrSTANDARD
Americo72 HOURSpaid Thu Sep 3still ~72hrSTANDARD
Mutual of Omaha72 HOURSpaid Thu Sep 3still ~72hrSTANDARD
Transamerica72 HOURSpaid Thu Sep 3still ~72hrSTANDARD
Foresters72 HOURSpaid Thu Sep 3still ~72hrSTANDARD
F&G72 HOURSpaid Thu Sep 3still ~72hrSTANDARD
Ethos72 HOURSpaid Thu Sep 3still ~72hrRUNS LATE
CorebridgeROLLS A WEEKpaid Wed Sep 9rolls a week ⚠+8 DAYS
Three clients draft Mon Sep 1 on Mutual of Omaha → money lands Thu Sep 3. Same week.Corebridge is the only one that doesn’t — that one rolls to Wed Sep 9
💰 Every payout, by draft dategreen = 72 hours after the draft · gold = Corebridge, rolls a week
TUE AUG 1272hr · paid
1 policy · AA$1,314
THU AUG 2072hr · Americo
1 policy$961
THU AUG 20Corebridge · rolled
3 policies$4,905
TUE AUG 2572hr · Aug 22 drafts
3 policies$4,280
THU SEP 372hr · Aug 31 drafts
2 policies$3,343
WED SEP 161 rolled here
1 policy$2,010
Marchetti is on Corebridge — drafted 8/8, rolled a week, landed 8/20.Empty weeks are a warning, not a gap
Submitted YTD$312,400what you wrote
Issued YTD$268,90086% issue rate
Paid to you$142,880net, after everything
Never issued$43,50014% · see why below
Submitted, not issued$8,2406 policies
Held on requirements$3,1102 policies · needs you
Avg days to issue9d▲ 2 days faster than July
If all clear$7,712added to future checks
📋 Money in flightsubmitted → underwriting → issued → paid
ClientCarrierAPStageDays in stageWhat's holding itEst. to you
Ernest BoydMOO-31188Mutual of Omaha$2,880REQUIREMENT8d ⚠APS ordered 8/6 — call the doctor's office$2,808
Rosa VillarrealTA-90114Transamerica$1,152REQUIREMENT6d ⚠Phone interview not completed — text her the number$1,123
James PettyMOO-22841Mutual of Omaha$774UNDERWRITING4dNormal review$755
Nina CortezAMR-88401Americo$669UNDERWRITING3dNormal review$652
Berta SalinasET-11902Ethos$599SUBMITTED1dJust went in$584
Tony MarchettiTA-90228Transamerica$1,627SUBMITTED1dJust went in$1,586
$3,931 of your money is sitting on two phone calls. Make them today.Nothing here is counted until it issues
💰 THE BACK END — THE 25% AND RESIDUALS, ALREADY EARNED, STILL COMING
Back end owed$31,420the 25%, months 10–12
Arriving next 90 days$6,880from Nov–Jan business
Residual run rate$1,140/mo5–8% of what clients pay
Persistency91.4%▲ above the 90% bonus line
The 25% — when it landspaid months 10, 11, 12 after issue
OCT 2026from Dec 25 biz
$2,140
NOV 2026from Jan 26 biz
$2,410
DEC 2026from Feb 26 biz
$2,330
Q1 2027from Mar–May biz
$8,940
This is the money nobody feels in month oneand everybody feels in year two
Residuals — the book pays youevery year it stays on the books
$6202024
$8402025
$1,1402026
$1,6802027 proj
Monthly, off a book you already wrotePersistency protects this line
Your spread × everything the leg produces. That’s the whole system. Numbers below — the math lives in the drop-down if you ever need the refresher.
❓ HOW THE SPREAD WORKS — the 100 → 80 → 60 example ▾
🧮 How the spread actually worksread it until it sticks — then never again
100%YOUJON
80%JAKEYOUR DIRECT
60%JAKE’S GUYINDIRECT · 2 LEGS DOWN
 
YOU TAKE 20 PTS
100 − 80
YOU STILL TAKE 20 PTS
NOT 40 — NOT 100 − 60
1
You are at 100%. Jake is your direct at 80%. You have 20 points on Jake — and on his entire book of business.
2
Jake has a guy under him at 60%. Jake gets his own 20 points on that guy (80 − 60). That is Jake’s spread, and Jake keeps it.
3
Here is where everybody gets it wrong. You are at 100% and that guy is at 60% — so it looks like you should get 40 points on him. You don’t. You get 20. Your spread is fixed at whatever you have over Jake, his direct — and it stays 20 no matter how many levels deep the leg goes.
4
So on $100 written anywhere in Jake’s leg — by Jake, by his guy, by his guy’s guy — you earn $20. Every time. Directly and indirectly.
Yes — Jake earns more on his own people than you do. That is the design, not a leak. Your spread on a leg is set the day you sign that direct and it never widens no matter how deep the leg goes. So your leverage is not a bigger cut of one leg — it is more legs, and deeper ones. Three directs at 20 points each beats one direct at 40. A leg that goes four levels deep pays you on all four at the same 20. Keep recruiting. Keep building leaders. Keep the legs growing.
PLANNED OVERRIDE · AUGUST$8,240from drafts already on the calendar
CONFIRMED MTD$6,41078% landed · verified by you
STILL TO LAND$1,8306 drafts between now and Aug 31
YOUR LEVEL130%the spread is yours to grow
🌳 Your override, by legone spread per direct · applied to the whole leg
R. VEGAdirect · 85% · 1st leg
45 PTS130% − 85%
$1,975LEG AP THIS CHECK
$889YOUR OVERRIDE
R. Vega85% · personal$1,455× 45 pts$655
A. Vargas70% · under Vega$520× 45 pts$234
Vargas is at 70%, so it looks like you should have 60 points on him. You have 45 — your spread over Vega, his direct. Vega takes his own 15 points on Vargas and earns $78. Vega’s spread is Vega’s business.
C. SANTOSdirect · 90% · 2nd leg
40 PTS130% − 90%
$1,460LEG AP THIS CHECK
$584YOUR OVERRIDE
C. Santos90% · personal$1,120× 40 pts$448
B. Frank70% · under Santos$340× 40 pts$136
Santos promoted to 90% last month. Your spread dropped from 60 to 40 points — and your dollars went up, because his production more than doubled. That trade is always worth making.
J. CASTILLOdirect · 95% · 3rd leg
35 PTS130% − 95%
$1,980LEG AP THIS CHECK
$693YOUR OVERRIDE
J. Castillo95% · personal$1,980× 35 pts$693
S. Osei70% · under Castillo$0× 35 pts$0
Castillo is your smallest spread and your biggest check. 35 points on a producer beats 60 points on somebody who does not write.
TOTAL OVERRIDE THIS CHECK$2,166
5
Five agents under you wrote nothing this month. At your spreads that is roughly $1,400 of override you did not earn — not because the comp plan failed, because nobody dialed. The override is a lagging indicator of your coaching.
🎬 VP BONUS BREAKDOWN — WATCH THE FULL EXPLAINER📄 VP BONUS PROGRAM — OFFICIAL PDF (V.160)📄 AMERICO UFIRST REWARDS — FLYERBONUS ISSUES → Ed Terrell (IP) · Bill Greenleaf (Producer/VP) · CC AP@familyfirstlife.com
Bonuses earned YTD$21,450FFL + carrier
In progress now42 within reach this quarter
Persistency factor100%91.4% · above the 90% line
Trips qualified1 of 3Cabo locked ✓ · DR 66%
🎖 FFL Producer Bonus · monthlyissued paid life volume · persistency scales the payout
$20K$650
$30K$1.2K
$40K$1.6K
$50K$2K
$75K$4K
$100K$8K
$125K$10K
$150K$15K
$200K$20K
$40,000 issued this month · earned $1,600$8,600 more → $2,000
≥90% persistency = 100% of bonus · <90% = 95% · <85% = 85% · <80% = 75%You're at 91.4% — full bonus
🏢 Carrier bonusespaid by the carrier on top of FFL · ISSUED premium only
📈AMERICO UFIRST REWARDS — 10–12% BONUS$3,240 earned
$55,000 QUALIFIED LIFE CREDITS → 10% BONUS ON YOUR LIFE BUSINESS · 12-mo persistency ≥80% → 12%
GATES: 6-MO PERSISTENCY ≥84% · 12-MO ≥72% · APPLIED RATIO ≥77% · WINDOW DEC 1 ’25 – MAY 29 ’26 (PAID) · WRITING AGENT ONLY · ANNUITIES EXCLUDED · FLYER →
$0$92,400 issued — unlocked, earning$175K
💰
Past the unlock by $32,400 → bonus so far $3,240. Every $1,000 you write from here pays you $100 on top of commission.
📈MUTUAL OF OMAHA — 10% AFTER $60K$0 earned
UNLOCK AT $60,000 ISSUED · THEN 10% OF EVERY DOLLAR AFTER
$0$13,900 issued — $46,100 to unlock$175K
⚠
Nothing pays until you cross $60,000. At a 55% issue rate here, that's a long climb — either commit to it or move the business to a carrier that issues.
🎯COREBRIDGE — 25 ISSUED POLICIES$8K–$10K
POLICY COUNT, NOT PREMIUM · PAYS AT 25 ISSUED
19 of 25 issued · 6 more≈ $1,500 a policy for the last 6
🎯
Six more issued Corebridge policies pays $8,000–$10,000. Corebridge also issues at 94% in 5 days — your best odds of actually landing them.
Each carrier runs its own bonus — premium threshold OR policy count. Spreading business thin means hitting none of them.Concentrate where you're already close
✈ Incentive tripissued business inside the qualification window
🌴TOP PRODUCER GETAWAY — PUNTA CANA, DOMINICAN REPUBLICEND OF 2027
QUALIFY ON EITHER PATH · ISSUED BUSINESS ONLY · BRING A GUEST
PATH 1 · LIFE + IUL
$196,800 / $300,000
66% there · $103,200 to go
OR
PATH 2 · ANNUITIES
$410,000 / $1,500,000
27% there · $1,090,000 to go
QUALIFICATION WINDOWBusiness issued JUN 1, 2026 → MAY 1, 2027 · 261 days left · only ISSUED counts, not submitted
Life is your lane — $103,200 out at $396/dayTrips show on your profile and the Hall of Fame board
📄 Monthly statementsproof of income — print it, send it, get approved

Every month closes into a statement you can hand to a lender, a landlord, or your accountant. Carrier-by-carrier breakdown, direct deposits confirmed, your name and NPN on it. No more screenshotting your bank app.

📄JULY 2026$19,240
📄JUNE 2026$24,880
📄MAY 2026$17,410
Need 12 or 24 months for a mortgage? One click, one file.
Preview — August 2026this is what prints
New Era Financial
NEW ERA FINANCIALEARNINGS STATEMENT · AUGUST 2026
NET PAID$26,590
PAID TOAngel Moreno · NPN 19204471
Independent Agent · 1099
DEPOSITED TOChase •••• 4417
4 deposits · all confirmed
CarrierPoliciesIssued APCommissionPaid to you
American Amicable7$9,940$12,922$9,691
Americo5$6,180$8,034$6,025
Corebridge4$5,420$7,046$5,284
Transamerica2$2,780$3,614$2,710
Override — 4 downline writers———$5,940
Producer bonus———$1,600
Chargebacks & lead debt———−$4,660
NET PAID · AUGUST 202618$24,320$31,616$26,590
New Era Financial LLC · San Antonio, TX · Generated Aug 14, 2026
Independent contractor earnings (1099). Advances are paid against future commission and may be subject to chargeback. This statement reflects amounts actually deposited.
THE PAPER
THIS TAB — DEBT
MONEY YOU OWE

Yours. Already happened. A client’s draft bounced or you financed leads. It comes out of your check automatically until it’s clear.

−$746
VS
OTHER TAB — ROLL-UP RISK
MONEY THEY OWE

Not yours. Somebody below you owes it. It only ever becomes yours if they quit or go dark before paying it back.

$3,890 at risk
01WHAT HAPPENEDA policy charged back, or you took leads on credit.
02WHAT YOU OWEThe balance, traced to the exact policy or lead order.
03HOW IT’S COMING OUTAuto-deducted from every check until zero. No collection call.
04WHEN YOU’RE CLEARAt your current pace, the date it hits zero.
−$746
Coming out of this check. Chargebacks and lead debt are real money and they're already deducted from every number on this page. Nothing here is a surprise on Friday.
Chargeback balance$4001 policy · NSF month 2
Lead debt$346auto-deducts weekly
Carrier debt$0clean
Paid off YTD$2,880you out-wrote it
⚠ What you owe and whyevery dollar traced to a policy
SourceClient / detailOriginalPaid backRemainingAction
CHARGEBACKRay EllisonFG-20934 · NSF on month 2 · Jun draft$1,104$704$400
LEAD DEBTLead order · Aug 450 FE leads · financed$500$154$346
FFL can garnish lead debt, carrier debt, and balances from bonuses — so we show it here firstClear by: Sep 4 at current pace
⚠️ ROLL-UP RISK — THE EXPOSURE THAT ISN’T YOURS YET
OTHER TAB — ROLL-UP RISK
MONEY THEY OWE

Not yours. Somebody below you owes it. It only ever becomes yours if they quit or go dark before paying it back.

$3,890 at risk
01WHO OWES ITAn agent in your tree with an unpaid balance.
02HOW FAR AWAYDirect, or legs down. Distance buys you time and protection.
03WHEN IT LANDSEscalation clock plus ~30 days per leg it has to climb.
04WHAT STOPS ITContact, a payment plan, or a producing manager underneath you.
❓ HOW ROLL-UP WORKS — distance is protection ▾
🌳
How roll-up works — and how far away it is. When an agent carries debt and goes dark, the balance rolls UP the tree, one level at a time, to the next producing upline. A DIRECT lands on you immediately. 2 LEGS down has to clear their manager first — if that manager is producing, it may stop there and never reach you. 3+ legs has two people between you and the hit. Distance is protection — and it's exactly why you want producing managers between you and the edge of your tree.
⚠
4 agents carry debt with no signed agreement on file. Collection can't begin until the debt agreement is signed — unsigned balances are exposure you have no instrument to recover. $6,180 of your exposure is currently unenforceable.
WHEN IT LANDS ON YOU — click a band to see who’s in it and how it gets here
LANDS FIRST
$1,340
1–30 DAYS OUT1 agent
NEXT UP
$810
31–60 DAYS OUT1 agent
WATCH LIST
$6,840
61–90 DAYS OUT2 agents
FAR OUT
$5,290
91+ DAYS OUT3 agents
TOTAL EXPOSURE
$14,280
7 AGENTSSHOW ALL
TOTAL DOWNLINE DEBT
$14,280
Across 7 agents in your tree. Most belongs to people still writing — they clear it themselves.
LOW RISK
$8,990
WATCHING
$3,140
HIGH RISK
$2,150
RISK-WEIGHTED EXPOSURE — WHAT YOU'D ACTUALLY EAT
$3,890
Each balance weighted by how likely that agent is to walk. This is the number to manage — not the $14,280.

If your 2 dark agents quit tomorrow, $2,150 hits your next check.
⚠ Riskiest agentsranked by roll-up risk to YOU, not by balance
#AgentDistancePath to youDebt by carrierLands on youOldestLast contactStatus & signalsRiskWeighted
1B. Frank70% sponsoredDIRECT
B. FRANK→YOU
Mutual of Omaha $940Lead debt $40028dESCALATION ENDS62d34d agoDARK · 34d
NO EOD 21dDEBT GROWING		85%$1,139
2S. Osei70% sponsoredDIRECT
S. OSEI→YOU
Ethos $560Lead debt $25049dESCALATION ENDS41d19d agoDARK · 19d
2 CHARGEBACKS		80%$648
3J. Cortezunder Kevin2 LEGS
J. CORTEZ→KEVIN→YOU
Americo $1,180F&G $70092d+30d FOR 1 LEG28d6d agoSLOWING
AP DOWN 60%		45%$846
4A. Vargasunder Vega2 LEGS
A. VARGAS→VEGA→YOU
Americo $860Lead debt $40096d+30d FOR 1 LEG24d3d agoSLOWING
1 CHARGEBACK		35%$441
5R. Vega85%DIRECT
R. VEGA→YOU
Mutual of Omaha $2,400Ethos $1,50071dESCALATION ENDS19dtodayPRODUCING
DEBT SHRINKING		15%$585
6M. Trentunder Santos3 LEGS
M. TRENT→SANTOS→VEGA→YOU
Americo $2,150135d+60d FOR 2 LEGS15d2d agoPRODUCING
WROTE THIS WEEK		12%$258
7C. Santos90%DIRECT
C. SANTOS→YOU
Americo $1,940F&G $1,00079dESCALATION ENDS11dtodayPRODUCING
2 RECRUITS		10%$294
TOTAL RISK-WEIGHTED EXPOSURE$3,890
Rank 1 and 2 are dark and their debt is the oldest. Age plus silence is how a balance becomes yours.Producing agents' debt almost always clears itself
🏢 Carrier exposure breakdownwhich carrier is bleeding across your whole tree
Americo
$6,130
4 debts · 4 agents
Mutual of Omaha
$3,340
2 debts · 2 agents
Ethos
$2,060
2 debts · 2 agents
Lead debt (in-house)
$1,050
3 debts · 3 agents
Americo is 43% of your tree's debt. Cross-reference the Carriers tab — if it also has a weak issue rate, that's where the chargebacks are born.
⚖ Escalation ladderautomated — every step timestamped and filed
DAY 0
Auto reminderText + email the day a balance posts. Friendly, logged.
7 agents · all sent
DAY 15
Formal noticeWritten notice with the balance, source, and the signed agreement attached.
4 agents · sent
DAY 30
Demand letterPayment plan offered. Lead financing frozen automatically.
2 agents · DUE NOW
DAY 60
Final noticeLast chance before referral. Certified delivery.
1 agent · Sep 2
DAY 90
ReferralCase file exports complete — collections or counsel.
none yet
B. Frank and S. Osei hit day 30 today. Demand letters queued — approve to send.Escalation only runs where an agreement is signed
📁 Case file readinessif it ever goes to collections or counsel, this is what they ask for
B. Frank$1,340 · 62d
NO AGREEMENTDEBT STATEMENTCHARGEBACK PROOF14 CONTACT LOGS2 NOTICES SENTNO PAYMENT PLAN
60%
S. Osei$810 · 41d
AGREEMENT SIGNEDDEBT STATEMENTCHARGEBACK PROOF9 CONTACT LOGS2 NOTICES SENTNO PAYMENT PLAN
85%
J. Cortez$1,880 · 28d
AGREEMENT SIGNEDDEBT STATEMENTCHARGEBACK PROOF6 CONTACT LOGS1 NOTICE SENTPLAN OFFERED
100%
Every contact from the Inbox, every notice, every timestamp — one export
📈 Exposure trendare you growing risk or clearing it
$1.9KAPR
$2.4KMAY
$2.1KJUN
$3.2KJUL
$3.9KAUG
Up 3 months running. You're recruiting faster than you're retaining.
🛡 Before it rollsfour levers, cheapest first
1 · Get the agreement signedUnsigned debt is unenforceable. Do this at hire, not at collection — one signature during onboarding covers it.
2 · Get them writingA dark agent who closes one policy drops from 85% risk to ~20%. Cheapest real fix.
3 · Freeze lead financingStop financed leads for anyone dark 14+ days. Debt can't grow while you work them.
4 · Settle before they leaveAn agent still answering will often clear a balance. One who's already gone won't.
Roll-up isn't a surprise — it's a slow signal you ignored

Stats

What you put in, what came out, and whether the trade was worth it.
MEPLANTHE BOOKMANAGER
🛡️ The whole team, one sheet — inputs against outputs, live. Click any column to re-sort. Gold cell = leading that column. The verdict chip does the diagnosis: who’s WORKING, who’s PRODUCING, and who’s coasting on talent. Visible to managers (their leg) and owner (everyone).
📅 Aug 17 – Aug 23 ▾
INPUTS → OUTPUTS, LEFT TO RIGHT. CONVOS (>10s) IS THE TRUTH-TELLER: 50 CONVOS AND NO CLOSES = THE SCRIPT’S OPEN IS BROKEN. LOW CONVOS ON GOOD DIALS = LEAD FLOW. THE BOARD NAMES IT.
📚 WHAT THE VERDICTS MEAN — THE FOUR ROOT CAUSES
🔌 LEAD FLOW — dials not turning into pickups/convos. The phone isn’t the problem; the inventory is. Fix: lead spend, fresher sources.
🚨 WORK ETHIC — dial hours under the floor (40 hrs/wk minimum). Nothing else matters until the hours exist.
🔧 SCRIPT MASTERY — 50 convos → 5 presentations = the OPEN is broken. Convos fine but pres don’t close = the middle. Deep-dive their recorded calls, drill the exact phase.
🧠 MINDSET — plenty of presentations, no closes, script clean = between the ears. Belief work, not more reps (Josh Reed rule: stuck agents have a belief problem, not a skill problem).
Chips on the board: 🔥 WAR DADDY = high in + high out · 🎯 ADD VOLUME = producing on thin hours · ⛽ RAISE LEAD SPEND · 🔧 SCRIPT TIME · 🔌 LEAD FLOW · 🧠 MINDSET · 🚨 WORK ETHIC · ✅ ON TRACK
DEMO DATA — LIVE BUILD: EVERY CELL STREAMS (CONVOSO · ZOOM LOGS · LEAD ORDERS · DEAL RECORDS · IP REPORT), REAL TIMERANGE PICKER APPLIES HERE TOO — COMPARE ANY WINDOW
📅 Aug 1 – Aug 23 ▾
This is the whole argument, on one screen. The left column is everything you control — hours, dials, reps, dollars spent. The right column is everything you don’t — premium, policies, checks. You cannot move the right column directly. You can only move the left one and wait.
INPUT — WHAT YOU CONTROLAUGUST
Dial hoursactive talk time, not logged-in time
61.5▲ 14%
Dialstotal attempts
443▲ 5%
Conversations10+ seconds
38▼ 27%
Presentations runa quote was actually given
13—
Trainings attendedverified by join log, not self-reported
18▲ 29%
Role-play repsscript drilled with a partner
22▲ 57%
Lead spenddollars in
$2,400▲ 20%
Every one of these is a decision you made. None of them require luck.
→21 DAYS
AVERAGE LAG
OUTPUT — WHAT SHOWS UPAUGUST
Submitted APwhat you wrote
$30,948▲ 29%
Issued APwhat survived underwriting
$33,767▲ 28%
Policies issuedfamilies protected
11▲ 22%
Close ratesales ÷ presentations
84.6%▲ 31%
Paid to younet, after everything
$26,590▲ 18%
Override earnedyour team’s production
$6,410▲ 18%
Persistencythe business staying on the books
93.1%▲ 2%
You never touched a single one of these directly. They are all downstream.
📈 Six months, both columns on the same axisinput scaled to fit · watch which line moves first
INPUT INDEX — hours + reps + spendOUTPUT — issued APTHE MARCH DIP
MARAPRMAYJUNJULAUG
Read the two red lines. Your input collapsed in May — you took the foot off. Output didn’t fall until June, a full month later, and by then it was already too late to fix June. That gap is the whole reason we track inputs. By the time the output tells you something is wrong, you are looking at a decision you made three weeks ago.
🎯 What each input is actually worth12-month regression across the whole org · 426 agents
One more dial hour per day
+$4,120issued AP / month
One more training attended per week
+$2,890issued AP / month
Ten more role-play reps per month
+$2,310issued AP / month
$500 more lead spend per week
+$1,940issued AP / month
One more presentation per day
+$1,610issued AP / month
These are correlations across 426 agents, not promises — but the ranking has held for four straight quarters. Dial hours beat lead spend. Training beats both. You can out-work a small budget; you cannot out-spend a bad script.
⚖ Your trade, priced outwhat you spent vs what came back
YOU PUT IN
61.5 hrs · 22 reps · $2,400
YOU GOT BACK
$26,590 net
Per dial hour worked
$432net per hour
Per dollar of lead spend
$11.08org avg $4.90
Per presentation run
$2,045net per presentation
$432 an hour. That is the number to put in front of a recruit sitting in a $22/hour job — and the number to put in front of yourself at 2pm when you are thinking about knocking off early. An hour not dialed is not a free hour. It costs $432.
📅 Aug 1 – Aug 23 ▾
📰 THE DIGEST
DELIVERY → SETTINGS · NOTIFICATIONS
SATURDAY AUG 29 — YOU: $1,240 issued · 4.2 dial hrs · 61 convos · 3 presentations · 1 close  YOUR TEAM: $6,930 · 5 of 9 wrote  RANK: you #2 of 9 in pod · pod #1 of 5 in New Era
Every agent gets THEIR digest · every manager gets their pod’s · Angel gets all of New Era. Same numbers, scoped by seat.
This is where you live. The sheets are where you dig. Four numbers that tell you if the month is working, then every sheet labeled with the question it answers — so you always know which door to open, and why.
THE MONTH · ISSUED$33,767 ▲ 12%projected $52,840 · beats July already
THE WORK · DISCIPLINEB+82% of the standard · Tuesdays are the leak
THE WALL · OBJECTIONSPHASE 241% cleared · “too expensive” + spouse = $16,900
THE MONEY · PER HOUR$432net per dial hour · $11.08 per $1 of leads
⚖▲ 28%INPUT VS OUTPUT

What you put in against what came out — the 21-day lag made visible.

OPEN THIS WHEN → “I’m working hard — is it actually showing up anywhere?”
🎬B+THE WORK

Trainings, reps, call reviews, 4-for-4s and your self-grades — the record of getting better.

OPEN THIS WHEN → “Am I actually doing everything I can to improve?”
🧡61OBJECTIONS

Every lost deal traced to the sentence that killed it, by phase — plus the week’s role-play calendar.

OPEN THIS WHEN → “Where exactly am I losing deals, and what do I drill?”
🔮$52.8KPROJECTIONS · FORWARD & BACKWARD

Your pace run forward (coast · pace · push) AND your goal run backward to daily activity. One sheet, both directions.

OPEN THIS WHEN → “Where does this month land — and what do I DO to change it?”
💰11.1×LEAD ECONOMICS

Every lead source priced as a bet, then the funnel stage where the money leaks — ROI first, autopsy second.

OPEN THIS WHEN → “Is my lead money working — and where is it dying?”
🏢61%CARRIERS & STATES

Issue rate, speed, chargebacks and persistency by carrier — and by state. Where and through whom you write.

OPEN THIS WHEN → “Which carrier gets this client — and where do I license next?”
🛡️16TEAM STATS · MGR

The whole team, inputs against outputs, ranked live — with the verdict chip naming the exact conversation.

OPEN THIS WHEN → “Who on my team needs what, this week?”
🎯4COACH’S SHEET · 1-ON-1

Pick a direct — every number a coach needs plus the diagnosis, prepped in one click.

OPEN THIS WHEN → “I have a 1-on-1 in ten minutes — which conversation does this agent need?”
📅 Aug 1 – Aug 23 ▾
Pick a direct. Get the sheet. Run the meeting. 🎯 HOW TO COACH LIVES IN COACH’S CORNER → the Saban loop, 1-on-1 structure, film day Every number a coach needs before a 1-on-1, in one place — plus a diagnosis that tells you which conversation to actually have instead of guessing which of the four it is.
📅 Aug 1 – Aug 23 ▾
This page has nothing to do with sales. It is the record of what you did to get better — every training, every rep, every self-grade. Production is the scoreboard. This is the film.
PERIOD
AUGUST 2026
82%
4-FOR-4
COMPLETE
9 of 11 days
91%
AM TRAINING
8:30 OFFICE
10 of 11 days
70%
EVENING ZOOM
TUE / THU 7:30
7 of 10 sessions
100%
SELF-TRAINING
LOGGED DAILY
18.5 hrs total
55%
CALL REVIEWS
DAILY TARGET 2
14 of 22 target
📅 Every working day in Augustweekends dashed · darker = more · red = missed
··34567··1011121314··1718192021··2425262728··31HIT %
4-for-4all four daily non-negotiables
82%
AM training8:30 office · door check-in
91%
Evening ZoomTue / Thu 7:30 · join log
70%
Self-training□ 30m   ■ 1h   ■ 1.5h   ■ 2h+
100%
Call reviewstarget 2/day
55%
Two red columns and they are the same two days. Aug 4 and Aug 11 you missed the 4-for-4 — and both were Tuesdays, both were days you skipped the evening Zoom. Your Tuesday is broken. Fix one day of the week and this whole board turns green.
📝 Your report cardEOD self-grades · A through F, like school · month-to-date
Attitude
A−▲ from B+
Work ethic
A▲ from A−
Coachability
B+— held
Three grades, one test: do the letters match the film? The A in work ethic checks out — self-training 100%, AM training 91%, the board backs it. But call reviews at 55% is a coachability number — reviewing your own calls IS taking feedback. When the letter and the film disagree, the film wins — and that gap is the first question your coach should ask.
📈 Discipline vs production — six monthsyour work score against your issued AP
WORK SCOREISSUED AP
MARAPRMAYJUNJULAUG
Same shape, one month apart — again. Your work score fell in May, production followed in June. It climbed in July, production followed in August. This chart is the reason to keep showing up on the days it doesn’t feel like it matters. It matters 30 days from now.
B+
You are doing 82% of what we ask, and the 18% you’re missing is one habit on one day of the week. Trainings attended, self-training logged every single day, self-grades honest and matching the data. Nothing about your effort is the problem.

Fix Tuesday and get call reviews to 2 a day, and there is nothing left to coach on this page. At that point it genuinely is only a matter of time.
🗂️ MY BINDER — THE CARDS, DIGITAL TWINclick any card — pull the calendar, open any day, week or month, forever
TODAY · AUG 23
DAY CARD
Dial hrs 4.2 · Dials 312 · Convos 11
Pres 7 · Closes 2 · AP $2,140
4-FOR-4 ✓ · CARD COMPLETE
WEEK · AUG 17–23
WEEK CARD
Dial hrs 20.2 · Dials 1,544 · Convos 51
Pres 38 · Closes 9 · AP $9,860
5 OF 6 DAY CARDS TURNED IN
MONTH · AUGUST
MONTH CARD
Dial hrs 81.4 · Dials 6,120 · Convos 203
Pres 151 · Closes 34 · AP $33,767
ON PACE · BEATS JULY
📄 T1 DIALER CARD — PRINT📄 T2 CLOSER CARD — PRINT📄 T3 PRODUCER CARD — PRINTCARDS PHOTO’D AT LUNCH + EOD → THIS BINDER FILLS ITSELF · MANAGERS SEE THE TEAM’S BINDERS FROM TEAM STATS
📅 Aug 1 – Aug 23 ▾
Every deal you lose, you lose to a sentence. Log it at the moment it happens on the MMA page and this board tells you which sentence is beating you, at which phase, and how often — so you train the objection you’re actually getting, not the one you remember.
📕 THE CANON: TRIPLE-A GUIDE — SAY-THIS VERBATIM ↗🌲 HAS-COVERAGE DECISION TREE — A→E ↗STRIKE SYSTEM: S-0 IGNORE → S-1 SAY-THIS → S-2 AGAIN → S-3 ALTERNATE · PHASE 3 = UNLIMITED SWINGS
PHASE 1 — INTRO / DEFLECTION
19objections logged · 31% of all
You clear 74% of these
PHASE 2 — NUMBERS / HESITATION
27objections logged · 44% of all
You clear 41% — your wall
PHASE 3 — APPLICATION / TRUST
15objections logged · 25% of all
You clear 80% of these
🎯 What you’re actually getting hit withAugust month to date · 61 objections logged
PHASE 1 — INTRO / DEFLECTION19 LOGGED · 74% CLEARED
Not interested
737%
Just send info
421%
I didn’t apply
316%
Call me later
316%
No time
211%
PHASE 2 — NUMBERS / HESITATION27 LOGGED · ONLY 41% CLEARED
Too expensive
1141%
Talk to spouse
726%
Think about it
519%
Already have coverage
311%
Shopping around
14%
PHASE 3 — APPLICATION / TRUST15 LOGGED · 80% CLEARED
Won’t give banking
533%
Won’t give SSN
427%
Want it in writing
320%
Cold feet
213%
Don’t trust phone
17%
🔥 Your two-sentence problemwhere the money is actually going
“Too expensive” and “Talk to spouse” are 18 of your 61 objections and you clear neither one well. Together they killed 6 deals this month — roughly $16,900 of AP. Everything else on this page is noise by comparison.
Read them together and they are the same objection. “Too expensive” usually is not about price — it is about not having decided it matters yet. “Talk to spouse” is the same hesitation wearing a polite coat. You are not losing on money. You are losing on urgency at the exact moment the number gets said out loud.
Get Phase 2 from 41% to 60% and nothing else changes: +4 deals a month, roughly +$11,250 AP. That is a bigger swing than 200 more dials, and it costs you nothing but reps.
🎬 Your training assignment, generated from thisMon/Tue/Wed/Thu/Fri role-play calendar
MON — Intro
“Not interested” — your top Phase 1
7 hits74% cleared
TUE — Disco
Build the urgency before the number
root causeof Phase 2
WED — Pitch
Framing price so it lands smaller
11 hits41% cleared
THU — Close
“Talk to spouse” — get them both on
7 hits29% cleared
FRI — Hot topic
Banking info at the application
5 hits80% cleared
Nobody had to guess what to drill this week. The board wrote the week’s role-play calendar from your own lost deals. Wednesday and Thursday are where your money is. Train those two like it’s your job — because it is.
📅 Aug 1 – Aug 23 ▾
A projection is not a promise — it is your own math run forward. Everything below is your actual pace applied to the days you have left. If you don’t like the number, the only thing you can change is the input column.
IF YOU COAST
$41,200Half your current pace for the remaining 11 working days. This is what “taking your foot off” actually costs.
AT YOUR CURRENT PACE
$52,840$33,767 issued through Aug 15, holding 7.2 dials/hr and an 84.6% close. Most likely landing spot.
IF YOU PUSH
$68,300Back to 52 conversations like July, same close rate. Requires ~2 extra dial hours a day.
📈 The cone — where August landssolid = actual through Aug 15 · the fan is the range still open to you
ACTUAL ISSUEDCURRENT PACECOAST ↔ PUSH RANGEJULY FINAL
JULY FINAL $26,477 TODAY · AUG 15 $52,840 $41,200 $68,300
AUG 1AUG 5AUG 10AUG 15AUG 22AUG 31
The cone is the point. Fifteen days in, August is already guaranteed to beat July — the entire fan sits above the red line. What is still undecided is $27,100 of spread between coasting and pushing, and there are 11 working days left to decide it.
🔮 Every metric, projected to Aug 31actual through Aug 15 · 11 working days left
METRICJULYMTD AUG 15PROJECTEDVS JULY
INPUTSwhat you control
Dial hours
54.061.5104.6▲ 94%
Dials
422443753▲ 78%
Conversations
523865▲ 25%
Presentations
131322▲ 69%
Lead spend
$2,000$2,400$4,080▲ 104%
OUTPUTSwhat follows
Submitted AP
$24,040$30,948$52,612▲ 119%
Issued AP
$26,477$33,767$52,840▲ 100%
Policies
91119▲ 111%
Net paid to you
$22,530$26,590$41,620▲ 85%
Override
$5,430$6,410$10,240▲ 89%
PROFITafter everything
Revenuecommission + override
$27,960$33,000$51,860▲ 85%
Cost of doing businessleads + dialer + booth + CRM
$2,640$3,040$5,360▲ 103%
Chargebacks & debtwhat came back out
$1,190$746$1,340▼ 13%
Net profit
$24,130$29,214$45,160▲ 87%
Profit marginnet profit ÷ revenue
86.3%88.5%87.1%▲ 0.8pt
NOV 2026
At this pace you hit 135%. 135 needs $1.5M team volume with 10 legs at $10K. You are trending $915K and 3 qualifying legs — the volume gets there in November, the legs do not. Legs are your constraint, not production. Three more producing legs and the date moves to September.
ON PACE
Punta Cana — Top Producer Getaway. $300K life/IUL issued between Jun 1 2026 and May 1 2027. You are at $94,300 with 9 months left; at projected pace you land at $402,000. You qualify in February with room to spare.
$233K SHORT
Hall of Fame — $400K personal, one calendar year. Projected year-end: $167,000. To get there from here you need $58,250/month for the rest of the year — every month, no misses. Not impossible. But it is a different year than the one you are currently having.
↺ ACTIVITY NEEDED — THE SAME NUMBER, RUN BACKWARD
Working backwards from the number instead of hoping toward it. Set the goal and NEOS runs your own conversion rates in reverse. These are not org averages — they are yours, recalculated on a 30-day rolling window.
MY GOAL THIS MONTH
$45,000
🧭 The ladder to $45,000read it bottom to top · each rung is your real rate
01
Dialsyour dial → conversation rate: 8.6%
65131/day21 WORKING DAYS
02
Conversations10+ seconds · your convo → presentation rate: 34%
562.7/dayPER DAY
03
Presentationsa quote actually given · your close rate: 84.6%
190.9/dayPER DAY
04
Salesyour average AP per sale: $2,813
164/weekPER WEEK
🎯
$45,000 SUBMITTEDat 90 dial hours — 4.3 hours a day, every working day
$45K90 hrsDIAL TIME
📊 Required vs actual pacegold = what $45,000 needs · green = where you actually are
651 / 443 DIALS 56 / 38 CONVERSATIONS 19 / 13 PRESENTATIONS 16 / 11 SALES
Every gap is the same gap: about 32%. You are not behind on one stage — you are running the whole funnel at roughly two-thirds of what $45,000 requires, and it is proportional the whole way down. That is good news. It means one lever — volume or rate — fixes all four bars at once.
⚡ Or get better instead of busiersame $45,000 — what one improved rate does to the work
IF YOUR CONVERSATION RATE GOES 8.6% → 11%−142 dials509 instead of 651. Twenty fewer hours on the phone for the same money. Better list, better opener.
IF CONVO → PRESENTATION GOES 34% → 45%−159 dials492 instead of 651. This is the cheapest rate to move — it is a transition, not a skill. Drill the ask.
IF AVERAGE AP GOES $2,813 → $3,400−3 sales13 instead of 16, and 111 fewer dials. Sell a bigger policy to the same person.
This is the whole point of the page. Last quarter this same $45,000 goal required 812 dials. Today it requires 651. The goal never moved — you did. Progress is the requirement shrinking, not the number growing.
📅 Aug 1 – Aug 23 ▾
Every lead is a bet. This page prices the bet. Not cost per lead — probability a lead becomes a sale, and what that sale returns against what the lead cost. A $40 lead that closes 13% of the time beats a $15 lead that closes 2%, every single day.
SPENT · AUGUST$2,400across 4 sources
LEADS WORKED284$8.45 blended per lead
NET RETURNED$26,59011 sales · $30,948 AP
BLENDED ROI11.08×org average 4.90×
NEOS LEAD STOREOURSEXCLUSIVE · REAL-TIME · TEXAS FE
$900SPENT
62LEADS · $14.52 EA
$12,090NET RETURNED
13.4×ROI
WHAT HAPPENS TO 62 LEADS8.1% BECOME A SALE
5 7 14 36 never reached
■ sold   ■ presented   ■ conversation   ■ no contact$180 cost per sale
These are our own leads and the numbers are shown exactly the way every other vendor’s are — no thumb on the scale. If the Lead Store ever stops being the best line on this page, this page will say so. That is the whole point of putting it here.
COLLINSLIVE TRANSFER · HIGH INTENT
$1,200SPENT
30LEADS · $40.00 EA
$8,110NET RETURNED
6.8×ROI
WHAT HAPPENS TO 30 LEADS10.0% BECOME A SALE — HIGHEST
3 5 12 10 no contact
Best close probability of anything you run$400 cost per sale
Highest probability, lowest ROI multiple — and both are true at once. Collins converts best because the intent is real, but at $40 a lead the multiple compresses. The gate: $2,500/week for four to five straight weeks, and a skilled agent. Below that spend the volume never reaches significance and it will bury a new agent.
THE GOLD MINEAGED POOL · FREE · SHARED
$0SPENT
180LEADS · FREE
$6,390NET RETURNED
∞NO COST BASIS
WHAT HAPPENS TO 180 LEADS1.7% BECOME A SALE
20 151 never reached
3 sales out of 180 — needle in a haystack, by design$0 cost per sale · 47 dial hours
Free in dollars, expensive in hours. The Gold Mine ate 47 of your 61.5 dial hours to produce 3 sales. At $432/hour that is $20,300 of your time for $6,390 back. It is the right tool for a brand-new agent with no budget and nothing but time — and the wrong one for you.
TELEAGENT LIVELIVE TRANSFER · TRIAL
$300SPENT
12LEADS · $25.00 EA
$0NET RETURNED
0.0×ROI
WHAT HAPPENS TO 12 LEADS0% BECOME A SALE
1 11 never reached
1 conversation, 0 presentations, 0 sales$300 gone
12 leads is not enough to judge a vendor — and that is exactly the honest answer. Either commit to a real test (60+ leads, minimum) or stop. A $300 half-test tells you nothing and costs you $300. NEOS will hold the verdict open until the sample is big enough to mean something.
⚖ Side by side, ranked by what actually mattersevery vendor, same math
SourceCost/leadSale probabilityCost/saleNet per leadROIHours spentVerdict
NEOS Lead Store$14.528.1%$180$19513.4×6.2SCALE IT
Collins$40.0010.0%$400$2706.8×4.1KEEP · GATED
The Gold Mine$0.001.7%$0$36∞47.0COSTS YOU TIME
TeleAgent Live$25.000.0%—$00.0×4.2SAMPLE TOO SMALL
Net per lead is the column nobody looks at and the only one that decides anything. Collins beats the Lead Store on net per lead ($270 vs $195) because live transfers close harder. The Lead Store wins on ROI multiple because it costs a third as much. Which one is "better" depends on whether your constraint is cash or hours — and NEOS knows which one you’re short on.
The recommendation, in one line: move the $300 from TeleAgent into the Lead Store, and pull 20 of the 47 Gold Mine hours into Collins follow-up. Same total spend, same total hours, projected +$4,900 next month.
💸 COST PER STAGE — WHERE THE FUNNEL LEAKS
Our funnel, all six stages — not the dial-to-contact shortcut everybody else runs. Same $2,400 of lead spend divided at every step. The stage where your cost jumps hardest against the org is the stage that is broken.
💰 Cost per unit, stage by stage$2,400 lead spend · August
STAGEVOLUMEYOUR COSTORG AVGVERDICT
Dialsattempts made
443
$5.42$4.10+32% ▲
Pickups20.1% of dials · org 22%
89
$26.97$18.64+45% ▲
Conversations42.7% of pickups · org 38%
38
$63.16$71.40−12% ▼
Health questions55.3% of conversations · org 48%
21
$114.29$148.75−23% ▼
Presentations61.9% of health Qs · org 66%
13
$184.62$246.00−25% ▼
Sales84.6% of presentations · org 61%
11
$218.18$389.00−44% ▼
🎯 The diagnosiswhere your money is actually leaking
Your problem is the top of the funnel, and only the top. You pay 45% more than the org to get a pickup — and then you beat the org at every single stage after it. Conversation, health questions, presentation, close: all better than average, and your close rate is 39% above org.
Translation: you are an elite closer being fed too few conversations. Nothing in your selling needs work. Your list quality and your dial window do. Fix the pickup rate and every downstream number moves without you learning a single new thing.
What that’s worth: get your pickup rate from 20.1% to the org’s 22% on the same 443 dials → 8 more pickups → 3 more conversations → 1 more presentation → roughly $2,400 more AP. Get it to 26% and you add $7,900.
📈 Cost per sale, six monthsthe only cost number that matters
March
$4864 sales
April
$4085 sales
May
$4424 sales
June
$3217 sales
July
$2229 sales
August
$21811 sales
$486 → $218 in five months. You are buying a client for less than half what you paid in March, and the org average is $389. This line falling is the single best proof that the training is working — and it is the number to show a recruit.
📅 Aug 1 – Aug 23 ▾
The carrier you write is a business decision, not a preference. Same client, same effort — and a 35-point difference in whether the money ever arrives. This is where "Ethos is option four" stops being an opinion.
🏢 Carrier performance — your book, trailing 12 monthsissue · speed · chargeback · persistency
CARRIERPOLICIESISSUE RATEDAYS TO ISSUEDAYS TO PAYCHARGEBACKPERSISTENCYAVG APVERDICT
Americo3196%633.1%95.4%$1,284🥇 OPTION ONE
Transamerica1894%834.0%93.8%$1,610🥈 OPTION TWO
Corebridge1291%1195.2%92.1%$4,940💰 SLOW PAY · BIG AP
Foresters989%935.8%91.2%$1,146✅ 100% BONUSABLE
Mutual of Omaha1487%1236.4%90.6%$3,210✅ SOLID
F&G785%1437.1%89.4%$2,080⚖️ SITUATIONAL
Ethos1661%211914.2%81.3%$1,092⚠️ OPTION FOUR
Aetna488%1036.0%90.1%$1,340🚫 STOP WRITING
💸 What Ethos actually cost yousame 16 policies, run through Americo instead
Written on Ethos
10 issuedof 16 · 61%
Same 16 on Americo
15 issuedof 16 · 96%
The gap
5 policies~$5,460 AP
Five families you sold who never got covered, ~$5,460 of AP that evaporated, a 14.2% chargeback rate feeding your Debt tab, and 81.3% persistency dragging your bonus percentage down. Plus Ethos has no usable debt tracking — so their chargebacks arrive as surprises, on you and on your upline.
📈 Persistency — the number that scales your bonusstay above 90% or the bonus shrinks
90%+ — full bonus
100%of qualified bonus
Below 90%
95%
Below 85%
85%
Below 80%
75%
Below 70%
50%
Below 50%
0%
You are at 93.1% — full bonus. But your Ethos book sits at 81.3%, and it is 16 of your policies. Every Ethos policy you write pulls your blended persistency toward the cliff. Writing less Ethos is worth more than writing more of anything else.
🏢 Who actually pays yousubmitted → issued → in your pocket · YTD
SUBMITTEDISSUEDPAID TO YOU
American Amicable
$48,900
Americo
$39,400
Corebridge
$28,600
Transamerica
$16,200
Mutual of Omaha
$7,100
F&G
$2,680
🗺️ STATES — WHERE YOU WRITE, WHAT IT PAYS
Where you write changes what you make. Same script, same carriers — different close rates, different premium, different persistency. Which state to license in next should fall out of this page, not out of a hunch.
🗺 States you’re licensed intrailing 12 months · your book
StatePoliciesIssued APAvg APClose ratePersistencyCost/saleVerdict
Texas · home78$196,400$2,51884.6%93.1%$218CORE
Louisiana11$24,100$2,19171.0%88.4%$304STEADY
Oklahoma6$11,900$1,98366.7%86.0%$381THIN
New Mexico2$3,240$1,62050.0%—$612NOT WORKING IT
Texas is 82% of your book and your best number in every column. That is not a problem — it is a moat. But a licence you don’t work is a licence you paid for twice: the fee, and the CE hours to keep it. New Mexico has produced 2 policies in twelve months. Either work it or let it go.
🎯 Where to license nextranked on market, not on proximity
StateOrg close rateOrg avg APLicence costExam / CEAgents thereTime to first saleSignal
Florida79%$3,140$5540 hrs3118 daysDO THIS ONE
Georgia76%$2,880$12020 hrs1424 daysSTRONG
Arizona74%$2,640$1200 hrs921 daysEASY ENTRY
Tennessee72%$2,410$5020 hrs629 daysWATCH
California61%$2,190$18852 hrs347 daysNOT WORTH IT YET
Florida is the call. Highest org close rate, highest average premium in the org, cheapest licence on the board, and 31 agents already producing there — which means the scripts, the carriers and the objections are already solved. You would be walking into a paved road, not clearing one.
California looks big and is a trap right now. 52 CE hours, the most expensive licence, the lowest close rate in the org, and only 3 agents to learn from. Population is not a market. Solved process is a market.

Team Hierarchy

The tree, top down. You at the root, your directs on the branch line, their legs breaking off below — every node carries comp and month-to-date.
  • AM
    ANGEL MORENO “OAKMAN”
    NEW ERA FINANCIAL · FOUNDER
    115%
    $196.6K TEAM MTD · RECORD $161K
    • CA
      Caleb
      DIRECT · BUILDER
      100%
      $61.3K TEAM MTD
      • BR
        Braden
        AGENT
        90%
        $14.2K MTD
      • AN
        Anthony
        AGENT
        85%
        $9.8K MTD
      • +
        + LEG
        ADD AGENT
        —
    • MA
      Mario
      DIRECT
      95%
      $24.6K MTD
    • DA
      Daniel
      DIRECT
      95%
      $21.9K MTD
    • AD
      Adrian
      DIRECT
      90%
      $17.4K MTD
    • DV
      Dave
      DIRECT
      85%
      $12.7K MTD
LIVE BUILD: TAP A NODE → THEIR PRODUCTION, THEIR PYRAMID, THEIR PAY · PINCH + ZOOM + DRAGDEMO DATA — ROLLS UP FROM REAL PRODUCTION

Inbox

Every conversation — call and text from your New Era number, one thread per person, threads live on the record. One inbox, filtered. Never four inboxes.
ALL6 LEADS2 CLIENTS1 RECRUITS2 AGENTS1

Social Hub

Announcements, news, events, team chat. The day this shipped, the outside chat apps died.
🎥
DevelopmentHop in anytime — opens the team video room.
📢 ANNOUNCEMENTS+ ADD
🎯 GOAL HIT · DAILYAnthony Rodriguez crossed their daily lineauto-posted · 6:34 PM
TARGET$400 AP
HIT$1,433 AP
“It shows improvement in my skills.”
📣 TEAMTraining camp moves to 9 AM FridayAngel Moreno · yesterday
📅 UPCOMING EVENTS+ ADD
Thursday · SRS Liftoff 7 PM
Friday · Hot Topic role play 10 AM
📰 NEWS
NE
New Era Financial · Jun 15 · 🌐 Public

The Insurance That Pays You While You’re Alive

Protects your family forever — and builds tax-free wealth on the side. One policy with living benefits, a permanent death benefit, and cash-value growth.

🤍 23💬 Comment
NE
New Era Financial · Jun 15 · 🌐 Public

Built for Nurses & Healthcare Workers

Insurance that pays YOU if you’re diagnosed with cancer, a heart attack, stroke, or ALS — tax-free living benefits while you’re alive, plus family protection.

🤍 17💬 Comment
💬 CHATevery chat you need — nothing outside
🌐 NEW ERA3 🛡️ TEAM MORENO 👑 ADMIN 👤 DMs1

🌐 NEW ERA = everyone on the platform · 🛡️ TEAM = auto-created for every manager’s team · 👑 ADMIN = direct line to Zoe/Emma · 👤 DMs = 1-on-1 with anybody. Nobody creates these — the org chart does.

🔗 ADDITIONAL SOCIAL CHANNELS — THE STANDING ZOOM ROOMS
🪝 NEW ERA DIALS
OUR channel — live dials + live trainings. This is the room.
JOIN ↗
⭐ ALL STAR DIALS
The whole entity — org-wide trainings, on the calendar too.
JOIN ↗
🏗️ FFL BUILDERS CALL
Mondays · 11 AM Central. Builders only need one hour a week — this is it.
JOIN ↗
LIVE BUILD: ZOOM WEB SDK EMBEDS THESE ROOMS INSIDE NEOS — JOIN WITHOUT LEAVING THE SITE, PANEL RIDES ALONGALL THREE AUTO-POST TO YOUR CALENDAR

Become Agent

Three shelves, strict order: Become Agent → Exam Prep → Bootcamp. Unlicensed agents see ONLY these — the product paths appear when the license does. This is where you live until you pass your state exam. Study hours are logged by the course — they feed The Clock and your upline’s board.
⚖️
Weekly compliance training. Every Monday, Rul-e issues a 10-question quiz built from YOUR common compliance flags — health, annuities, general rules — scored off your actual dialed calls. Personalized by your mistakes, not generic.
🔒 LOCKED UNTIL LICENSED — Bootcamp opens when contracting is submitted. Training Camp opens when Bootcamp is done. Then full-time dialing — and the product paths (FEX · IUL · Term · MP), Dialer Mastery, Leads Import live there. One zone at a time.

AI Tools

The corner crew. They open in a SIDE PANEL that rides shotgun — pinned on screen while you move through any part of NEOS.
OPENS AS A DOCK — STAYS UP WHILE YOU WORK🤖 BUTTON BOTTOM-RIGHT = SAME PANEL, FROM ANY PAGE
🧭
SIDEKICK
THE NAVIGATOR

Ask “how do I…” — it answers with the exact clicks, then takes you there.

🥊
SELL-E
THE CORNER COACH

Your corner coach. Tap the objection — get the say, word for word.

🧮
QUOTE-E
THE NUMBERS

Client + health picture in → carrier order out. FEX · Term · IUL.

⚖️
RUL-E
THE WATCHDOG · ON DECK

The watchdog — licenses, documents, fraud flags. On deck.

🧰
MY THIRD-PARTY AI
QUICK LINKS · OPENS IN A TAB
DEMO — SCRIPTED BRAINS. R7: DEV WIRES REAL MODEL + NEOS DATA (LIBRARY · UW GRIDS · TRIPLE-A GUIDE · WRITE HISTORY)

Competitions

Brackets, races, prizes. March Madness energy — in house, on the wall, all season.
🎖 TRAINING CAMP MODES — THE WAR BOARD, INSIDE NEOS
TEAMS AUTO-PULL FROM CAMP DAY 3 · PICK TEAMS ⛶ TV DISPLAY MODE · ADMIN-LOCKED EDITING
⚡ THE FIRST 48
FIRST TEAM FULLY PAID WINS · FASTEST, NOT MOST · every rookie writes, every policy must ISSUE & PAY
31:26:44
TIME REMAINING
#TEAM / MANAGERTIME CLOSEDPOLICIESSTATUS
1stTEAM SAVAGE · J. Castillo16:34:123 / 3 issuedPAID ✓ 🏆
2ndTEAM MAMBA · M. Reyes—2 / 3 issuedACTIVE
3rdTEAM WARDADDY · T. Booker—1 / 3 issuedACTIVE
—TEAM YOUNGBLOOD · D. Vance—0 / 3DNQ
THE FIRST 48 TAKES PRECEDENCE OVER EVERYTHING — OAKMAN
🔥 ACTIVE NOW
🏆 THE BRACKET 🏁 TEAM RACE ➕ CREATE COMPETITION
🥇 THROWDOWN — 1v1 SALES BRACKET · WEEK 3live AP · advances Sunday night · winner: 50-lead pack + the belt
QUARTERS SEMIS THE CHIP SEMIS QUARTERS MORENO$12.4K TORRES$7.1K NGUYEN$8.8K OKAFOR$10.2K WASHINGTON$15.9K BEARDEN$9.3K CASTILLO$6.5K RAMIREZ$11.7K MORENOLIVE OKAFORLIVE WASHINGTONLIVE RAMIREZLIVE 🏆 50-LEAD PACK + THE BELT

Gold = leading their matchup on LIVE issued AP. Bracket advances automatically Sunday night — nobody enters scores, the system already knows. Same engine runs TEAM brackets (manager vs manager, total team AP).

🏁 TEAM RACE — AUGUST · FIRST TO $150Kmanager teams · total team AP · prize: team steak night + first pick on the next lead drop
🛡️ TEAM WASHINGTON
$117K
🛡️ TEAM MORENO
$106K
🛡️ TEAM RAMIREZ
$83K
🛡️ TEAM OKAFOR
$70K
🏆 COMPETITION ENGINE — BUILD IT, LAUNCH IT, RUN IT LIVEadmins + managers · scores pull from live production, never typed in · the +SALE buttons are demo stand-ins for real deal records
NAME IT
FORMAT
DIVISION
CLOCK (HRS)
BRACKET = 6 MANAGERS · 2 AGENTS EACH · AGENT SALES MOVE THEIR MANAGER THROUGH THE ROUNDS · TOP AP ADVANCES

Calendar

Everything with a time on it · your booking link: neos.newerafinancial.co/book/angel
GOOGLE CALENDAR · 2-WAY SYNC
📖 THE LEGEND & STANDING EVENTS — WHAT EVERYTHING MEANS
THE LEGEND
📌Thumbtack — Builders Call · Mondays 11 AM Central
🎂Birthday cake — client birthdays — a CALL, not a text
💰Money bag — policy draft day → payout expected +72h (Corebridge rolls a week)
📋Clipboard — policy effective / cash-out dates
🎥Camera — live rooms — join from Social Hub → Additional Channels
STANDING EVENTS — EVERY WEEK, NO EXCEPTIONS
🧲New Era Business Overview — Tue & Thu · 7 PM · newerahires.com
🏢Group Interview · ZOOM — booked after BOM + film homework — OAKMAN runs it
🪝Live dial blocks — daily · neweradials.com
⭐All Star trainings — per schedule · allstardials.com
AUGUST 2026
CLIENTS · drafts · appointments RECRUITING · BOMs · orientation · exams · contracting TRAINING · daily · Zoom · 1-on-1s URGENT — needs a call today AUG SUBMIT SO FAR: $26,590

Lead Store

Premium leads at partner cost. Two clicks, straight into your Book of Business.
WALLET $1,250
🤖 LEAD RANKER BAKED IN — POOLS ARRIVE PRE-ORDERED BY CLOSE PROBABILITY · EVERY SOURCE GRADED ON STATS → LEAD ECONOMICS
01AT COST — THE PARTNERSHIPSourced through our acquisition partner at cost. No vendor margin between you and the lead. Price on the card is the price.
02STRAIGHT INTO YOUR BOOKNo email sheets, no CSV imports. Orders land in Book of Business → Leads the moment they fill — tagged by source, ready to dial from MMA.
03GRADED IN THE OPENEvery source here is scored on Stats → Lead ROI next to every outside vendor — ours included. If our leads stop being the best line on that board, the board will say so.
🎲 Your numbers with store leadslive from Lead ROI · August
RETURN PER $1$11.08org avg $4.90
COST PER SALE$218org avg $389
SALE PROBABILITY8.1%store leads · vs 1.7% aged
LAST ORDER62 leads58 dialed · 5 sold · $12,090 back
ORDER FLOW PREVIEW — ACKNOWLEDGE THE ORDER (every order, every time)
  • Leads are raw inquiries, not appointments. No guarantee of contact rate, conversion, or ROI — the Lead ROI board shows the real numbers instead.
  • Replacement, not refund: disconnected numbers (we verify), duplicates within 60 days, out of territory, over age — within 72 hours, up to 20% of the order. “Didn’t answer” and “didn’t buy” don’t qualify.
  • Worked leads come back: dial them, log dispositions, and unsold leads can be returned to the Gold Mine for house credit.
DATED AUTOMATICALLY · AUG 17, 2026 · LOGGED TO YOUR ORDER RECORD
🛍 The shelf — premium only, on purpose  no bargain-bin data · the Gold Mine already covers aged, free · pricing set at launch
🎖VETERANS LIFE INSURANCE

Veterans and spouses, targeted by branch and service era. High trust, high pickup — they answer for people who respect the uniform.

HIGH INTENTBRANCH-TARGETEDREAL-TIME
COMING SOON
🚛TRUCKERS · IUL

OTR drivers and owner-operators by CDL status and route. 1099 income, no employer coverage, cash-value need — the highest average AP on the shelf.

BIG APCDL-TARGETEDIUL-QUALIFIED
COMING SOON
📞LIVE TRANSFERS · INBOUND CALLS

Live callers routed to you in real time — pay per billable call with a billing buffer, wallet-funded, licensed-states routing only.

PAY PER CALLBILLING BUFFERGO-LIVE WIZARD
COMING SOON
IN THE LAB
👪FINAL EXPENSE · BENEFICIARY-VERIFIED

SMS-confirmed FE inquiries with beneficiary name + relationship captured — pre-fills the deal form and seeds the referral engine before the first dial. Live in the lab — first shelf SKU you can order today.

SMS-CONFIRMEDBENEFICIARY DATAEXCLUSIVE
LIVE · IN THE LAB
FOR THE DEV
🔄 A worked lead has three doorsdial it, log it — then it never just dies in a CSV
🤝TRANSFER ITHand it to anyone in your direct downline — two clicks, full history attached, shows up in their Book of Business tagged with who it came from. Your overflow is a rookie’s pipeline.
🏠POOL ITDrop it into one of your lead pools below — the whole crew you’ve shared the pool with can attack it. Best for volume you’ll never get back to.
💰SELL IT BACKWorked, disposition logged, didn’t sell → $1–$2 house credit per lead toward your next order. Nothing crazy — but dead leads paying for live ones. It returns to the Gold Mine either way.
⛏️ Lead Poolsstop handing leads out one at a time — pool them, point the team at them
YOURS — YOU MANAGESHARED WITH YOU — DIAL ONLYOWNER VIEW — YOU SEE ALL (OAKMAN · DEV · MAIN ADMINS)
⛏️ THE GOLD MINE MAIN POOL · EVERYONEevery manager’s aged drops + all buybacks · every rookie starts here day one · LEADS HERE ARE UNTRANSFERABLE — dial them where they sit
4,318 leadsall 50 agents🟢 9 dialing right nowOPEN
OAKMAN’S ROOKIE POOLowner: you · fresh overflow + transfers · shared with every rookie in your downline
240 leads12 rookies🟢 3 dialingMANAGE
WIFI TO WEALTH POOLowner: Caleb Reeves · his team only · managers make their own
118 leads6 agents🟢 2 dialingVIEW
CLOSERS ONLY · HOT CALLBACKSowner: you · hand-picked list of 5 · pools can be as tight as you want
37 leads5 closersidleMANAGE
The rule of pools: the MAIN pool belongs to the agency and everyone dials it — that IS the Gold Mine. Gold Mine leads are UNTRANSFERABLE — anyone can deposit, nobody pulls them out; you dial them where they sit. Every manager gets their own pools, shared with their directs or a hand-picked list — so putting a new agent to work is one action: add them to the pool, they see the whole stack, the whole crew attacks it at once. Owner sees every dial and every disposition on their pool. Visibility law: OAKMAN + dev + main admins see EVERY pool. Managers and agents see only pools shared with them. Managers create their own pools, decide who’s in, add and transfer leads freely — except into or out of the Gold Mine.

The Network

The people we vouch for, in one place. Your client needs a credit fix before they qualify? You have a name in ten seconds — not a group chat.
🔧
TEMPLATE ROSTER — THESE ARE NOT REAL PEOPLE.
This is the blueprint of what The Network will look like. Real, vetted partners drop into these slots as OAKMAN signs them off.
EVERY PARTNER OAKMAN-VETTEDSEND INTRO → LOGGED ON YOUR PIPELINE🔒 ONLY OAKMAN + ADMINS ADD PARTNERSLEAD VENDORS: BACKED, NOT OWNED — WE GIVE YOU OPTIONS, THE LEAD ROI BOARD KEEPS THEM HONESTTHE LOOP: YOUR CLIENT → PARTNER → BACK TO YOU
🎯
DOMINION LEAD CO.
LEAD VENDOR✅ VERIFIED — REAL PARTNER

Known for the AI dialer — volume calling. Great lane for NEW agents: the dialer does the grinding while you learn to talk. We back them; we don’t own them — options.

THE LINK
🌐dominion-leads.com
🎯 ORDER LEADS ↗
🐐
GOAT LEADS
LEAD VENDOR✅ VERIFIED — REAL PARTNER

Has everything. Best in class: 🚚 trucker leads · 🌱 IUL leads · 🎖️ vet leads. Most known for high intent, the blend, and aged. Order through the partner link so it tracks to the agency relationship.

THE LINK
🌐goatleads.com · New Era partner link
🐐 ORDER LEADS ↗
🔥
HEATER LEADS
LEAD VENDOR✅ VERIFIED — REAL PARTNER

Premium, high-quality campaigns — when you want the best data, not the most. Also strong on 🚚 truckers and 🎖️ vet leads.

THE LINK
🌐heaterleads.com · New Era partner link
🔥 ORDER LEADS ↗
🧾
RISESCORE CREDIT
CREDIT REPAIRTEMPLATE

Client can’t qualify because of credit? 60–90 day repair sprints. They fix it — and send the client BACK to you ready to write.

DIRECT CONTACT
👤Marcus Delgado · (210) 555-0147
WHY WE VOUCH
🎯Send-back rate 94% — your client stays YOUR client
🤝 SEND INTRO
🏦
LONE STAR BANKING GROUP
BANKINGTEMPLATE

Business accounts for new agents and LLCs — the Chase-preferred setup from Recruiting Step Zero, without the branch runaround.

DIRECT CONTACT
👤Priya Shah · (210) 555-0163
WHY WE VOUCH
🎯Same-week account opens for New Era agents
🤝 SEND INTRO
🏡
ALAMO HOME LENDING
MORTGAGE & REAL ESTATETEMPLATE

Purchase + refi. Every closing they run is a mortgage-protection lead for us — the referral flows both directions.

DIRECT CONTACT
👤Jake Rivera · (210) 555-0128
WHY WE VOUCH
🎯Two-way referral partner since 2025
🤝 SEND INTRO
📈
BEXAR PROPERTY GROUP
REAL ESTATE INVESTINGTEMPLATE

For clients — and agents — ready to put commissions to work. Off-market SATX inventory, first-deal walkthroughs.

DIRECT CONTACT
👤Tony Casillas · (210) 555-0181
WHY WE VOUCH
🎯Builders park profits here — OAKMAN-vetted
🤝 SEND INTRO
💼
SUMMIT WEALTH PARTNERS
FINANCIAL ADVISORTEMPLATE

401k/IRA rollovers and planning beyond our shelf. When the client needs more than an annuity — this is the handoff.

DIRECT CONTACT
👤Dana Okafor · (512) 555-0194
WHY WE VOUCH
🎯Fiduciary · sends annuity-fit clients back to us
🤝 SEND INTRO
🧮
LEDGER & LINE CPA
TAX & CPATEMPLATE

1099 agent taxes done right: quarterly estimates, write-offs, S-corp elections when your production justifies it.

DIRECT CONTACT
👤Sofia Marin · (210) 555-0139
WHY WE VOUCH
🎯Knows the FFL comp structure cold
🤝 SEND INTRO
⚖️
TREVINO LAW
LEGALTEMPLATE

Contracts, LLC disputes, agent agreements. The call you make BEFORE you sign, not after it goes sideways.

DIRECT CONTACT
👤Robert Trevino · (210) 555-0172
WHY WE VOUCH
🎯Flat-rate reviews for New Era agents
🤝 SEND INTRO
🚀
LAUNCHDOCS
BUSINESS FORMATIONTEMPLATE

LLC + EIN in 48 hours — the Step Zero requirement before your first Indeed ad goes live. Flat fee, no upsells.

DIRECT CONTACT
👤Kim Nguyen · (737) 555-0155
WHY WE VOUCH
🎯Every new builder’s first stop
🤝 SEND INTRO
🔒
+ ADD PARTNER
OWNER & ADMINS ONLY.
Agents can NOMINATE a partner — OAKMAN vets, OAKMAN adds.
The rule of the Network: partners earn the card by sending business BACK. Every intro is logged — who you sent, when, and whether the client came back to your pipeline. A partner who only takes gets cut.
DEMO — DUMMY PARTNERS & NUMBERS. REAL ROSTER DROPS IN AS OAKMAN VETS THEM. R6: INTRO BUTTON WIRES TO INBOX + PIPELINE LOG

Sites & Cards

Your brand, in the OS. Four weapons, one identity — a card scan becomes a lead, a page visit becomes a record on your pipeline. Nothing leaks.
🌐 RECRUITING → RECRUITS🛡️ CLIENT SITE → BUYERS🎥 WATCH LINK → WARM MARKET💼 CARD → EVERYONE YOU MEET
🌐
MY RECRUITING SITE
LIVE
apply.newerafinancial.co/angel-moreno

Your clone of the master funnel — YOUR name, headshot, Calendly. THE link for Indeed double-apply, DMs, and warm-market recruits. The apply form IS the intake.

👁️ PREVIEW
⚡ WHAT HAPPENS WHEN THEY HIT APPLY
1  Apply form — contact, licensing status, commitment check, resume
2  Lands on YOUR pipeline — attribution locked
3  Pre-hire portal — finish application, book BOM
4  BOM → you decide
5  HIRE → NEOS invite fires automatically
41 VISITS9 APPLIES22% CONV3 IN PRE-HIRE
🛡️
MY CLIENT SITE
LIVE
verified-life-insurance-amoreno.netlify.app

The site you send BUYERS — your headshot, 50-state credentials, reviews, all five products, full 7-step online application. Link → applied, without you on the phone.

👁️ PREVIEW
EVERY AGENT GETS THEIR OWN SUBDOMAINAPPS → YOUR PIPELINE
🎥
MY WATCH LINK
LIVE
watch.newerafinancial.co/angel-moreno

The bone you throw — two videos, ~30 min. Your ref carries through: when they text “all in,” NEOS already knows they’re yours.

💼
MY DIGITAL CARD
LIVE
AM
ANGEL MORENO
FOUNDER · NEW ERA FINANCIAL
📞 (210) 555–0100
✉️ angel@newerafinancial.co
🔖 NPN 21482930 · Licensed · TX
🌐 apply.newerafinancial.co/angel-moreno
SCAN → SAVES CONTACT + OPENS YOUR SITEEVERY SCAN LOGGED AS A LEAD TOUCH
DEMO — R8 SITES ENGINE: TEMPLATES CLONED PER AGENT, EDITABLE IN-APP, AUTO-WIRED TO YOUR PIPELINEREPLACES THE GHL PAGES — APPLY FORM + PRE-HIRE PORTAL GO NEOS-NATIVE

Support Center

Something broken? Something confusing? It gets handled here — and you can watch it get handled.
🧭
ASK SIDEKICK FIRST. Most tickets are “how do I…” questions — Sidekick answers those in ten seconds, with the clicks.
🎫 NEW TICKET
AVG FIRST RESPONSE: 4 HRSROUTES TO: ZOE · EMMA BY CATEGORY🔒 FULL TICKET BOARD: ADMINS + DEVELOPER ONLY — EVERYONE ELSE (OAKMAN INCLUDED) SEES ONLY THEIR OWN
📋 MY TICKETS
✅
#1042 · TECH · RESOLVED IN 3 HRSDialer wouldn’t load my pool“Pool permissions were reset — fixed, and we patched why. — Zoe”
RESOLVED
🔧
#1057 · PAY & COMP · OPENED YESTERDAYComp shows 85% — I hit the 90% milestone“Verifying with carrier statements, answer by Friday. — Emma”
IN PROGRESS
DEMO TICKETS — LIVE BUILD: FULL THREAD PER TICKET, STATUS PINGS IN YOUR INBOX

Settings

Same bones, your flavor. Style and theme live here now — off the topbar, out of the way.
🎨 STYLE PACK
GOLD STANDARD
The house colors. The default. The one on the wall.
ICE
Cold-blooded. For the closers who never sweat.
PLATINUM
Above gold. Earned, not picked — but preview away.
🌓 THEME
🛠️ SYSTEM
BUILD: AUG 23 · R66VIEW AS: TOPBAR 👁AI CORNER: TOPBAR 🤖NOTIFICATIONS · PROFILE · SECURITY — WIRED IN LIVE BUILD
🔑 ACCOUNT & SECURITY
Emaila•••••@gmail.com
Phone(210) •••-••14 — where your clients text back
Password•••••••••• · last changed Jul 30, 2026
Two-Factor AuthSMS code at every new device login
FORCED ON 🛡️
🔔 NOTIFICATIONS
IN-APPSMSEMAIL💥 Deal pops (TV wall & ticker)🎯 Goal milestones & ring closes📅 Calendar · BOM · standing events🏆 Leaderboard position changes🎫 Ticket replies & system notices💼 Payout posted · chargeback alerts
NO QUIET HOURS ON DIAL BLOCKS — THE STANDARD DOESN’T SLEEP. EVERYTHING ELSE RESPECTS 9PM–7AM.
💼 BUSINESS IDENTITY
Licenses on fileNPN 21473388 · TX resident · active thru 02/28/2027
Your apply linkapply.newerafinancial.co/oakman
Your client linknewerafinancial.co/protect/oakmanwhat you text LEADS & CLIENTS — your face, your booking, quote request form. Feeds Book of Business.
Booking linkcalendly.com/oakman-newera · feeds your Calendar + Sites & Cards
E-signature on fileAngel Moreno
🔒 SESSIONS
This device · Mac · ChromeSan Antonio, TX · active now
CURRENT
iPhone · NEOS PWASan Antonio, TX · 2h ago
📷 PROFILE PHOTO — ONE PICTURE, EVERYWHERE
AM
Auto-syncs to: Leaderboard · TV Wall deal pops · Business card · Sites & Cards · your client + apply pages
PROFESSIONAL PHOTO ONLY — CHEST UP, SUIT OR BUSINESS DRESS, CLEAN BACKGROUND, FACE VISIBLE. NO HATS, NO SUNGLASSES, NO PARTY PICS. THIS FACE GOES ON EVERYTHING — LEADERBOARD, TV WALL, BUSINESS CARD, YOUR CLIENT PAGES. MANAGER APPROVES BEFORE IT GOES LIVE.
💳 PLAN & BILLING
Account typeYour seat and comp track
INDEPENDENT · 85% · DESK
NEOS seat$100/mo · next bill Sep 1, 2026
ACTIVE
Desk fee$300/mo · due the FIRST FRIDAY of every month · late the Friday after · first 2 months freeReminder the 1st → hard ping Friday morning → late flag to you + your manager the following Friday
AUG PAID ✓
Card on fileVISA •••• 4412 · exp 07/28
Lead wallet auto-reloadReload $500 when balance drops under $100 — the $500/wk standard never lapses
Payment historyEvery seat, booth & lead charge — itemized
BILLING QUESTION? OPEN A TICKET — SUPPORT CENTER → BILLING. NEVER ARGUE MONEY IN THE HALLWAY.

The Road In

This is what a NEW AGENT sees — the pre-hire portal, live, inside NEOS. Locked stages, one step touchable, the sequencing law enforced.
🚨 APPLYING FOR YOUR LICENSE — READ THIS BEFORE YOU CLICK ANYTHING
1. APPLY IN YOUR OWN STATE. This first license is your RESIDENT LICENSE — your home state, period. Every state you add after this will be a NON-RESIDENT license stacked on top of it.
2. PICK THE LIFE LINE. When it asks the license type, choose the LIFE-ONLY line — the option that says LIFE (General Lines – Life / Life Agent). Not health, not property, not adjuster. The one that says LIFE.
3. WRONG STATE OR WRONG LINE = WEEKS LOST. Anything looks different → ask your manager BEFORE you submit.
🛑 STATE GOTCHAS — THE 4 THAT TRIP EVERYBODY (NON-RES ADDS)
CALIFORNIA — NOT a Texas or Florida resident? CA requires an ADDITIONAL fingerprint, approval runs ~3 WEEKS. Buy it early, not the week you need it. CA non-res requirements →
FLORIDA — fingerprint REQUIRED for the non-resident license. No print, no license.
GEORGIA — citizenship AFFIDAVIT required with the application.
ALABAMA — additional identity verification required on top of the standard app.
Everything else usually issues in 1–3 days on NIPR with no extras. RUL-E knows these too — ask before you buy.
THE REAL PORTAL — EMBEDDEDRECRUIT SEES ONLY THIS + CALENDAR + INBOX + SUPPORTOPEN FULL PORTAL ↗

Notifications

Everything that pinged you — filterable, markable, nothing lost.
ALL💰 MONEY🤝 TEAM⚠️ ALERTS
👑
12 MIN AGO · LEADERBOARDYou moved to #3 on the weekly board — $526 behind D. Okafor
UNREAD
💰
44 MIN AGO · PRODUCTIONClose posted: R. Vega — $1,455 AP · Americo FE
UNREAD
⚠️
2 HRS AGO · RECRUITINGExam stalled: K. in Stage 2 for 11 days (avg is 2)
UNREAD
🤝
YESTERDAY · RECRUITINGNew applicant via your link: T. Nguyen
📅
YESTERDAY · CALENDAROffer call with M. Akoi today 3 PM
💰
TUESDAY · MY PAYDeposit confirmed: $1,314 · Americo · Aug 9 drafts
DEMO — LIVE BUILD: EVERY PING PERSISTS HERE, TAP A ROW → JUMPS TO THE SOURCE

Back Office

The owner’s chair. One theme at a time — pick your lane.
📊 OVERVIEW 📤 PREMIUM UPLOADS 🧮 COMP GRIDS 💰 PAYROLL 📉 KPI WATCH🔮 PROJECTIONS🪑 DESK RENT💵 LIVE REVENUE📚 CATALOG
📥 APPLICATIONS INBOX — HOUSE VIEW (OWNER / ADMIN)
Every application from the public door, attributed by slug. HIRE fires the tokened seat invite with the role baked in. House-pool applicants get assigned a sponsor here — or move anyone later in the org tree.
K. Delgadovia /angel · applied 1h ago · TCPA ✓
YOURS
S. Whitmorevia /kramirez · applied 4h ago · TCPA ✓
K. RAMIREZ
P. Okaforno slug · applied 6h ago · TCPA ✓
HOUSE POOL
L. Traskno slug · applied 2d ago · TCPA ✓
HOUSE POOL
DEV: LIST = applications TABLE · HIRE → INVITE W/ ROLE+SPONSOR → SEAT ON ACCEPT · HOUSE POOL ASSIGN = SPONSOR PICKER · RE-TREE = ORG CHART DRAG (OWNER)
$196.6KISSUED PAID · MTD
23ACTIVE WRITERS
91.2%PERSISTENCY · BONUS SAFE
17APPS PENDING ISSUE
NEEDS YOUR EYES TODAY
⬆️
2 PROMOTIONS PENDING SIGN-OFFJalen Buffalo → 100% · Alex Perez → 95% — in COMP GRIDS
🚨
3 RED FLAGS ON KPI WATCHDial hours ×2 · persistency dip ×1 — in KPI WATCH
📤
1 STATEMENT NEEDS REVIEWCorebridge Aug wk3 — 2 unmatched policies — in PREMIUM UPLOADS
🌳 THE FULL TREE LIVES IN TEAM HIERARCHY
🧭 MONTHLY IP REPORT — UPLOAD & RECONCILE (WEEK 5)
Upload the carrier IP report CSV once week 5 closes. NEOS cross-references every agent’s SUBMIT log against ISSUED — each agent gets their month-end report in My Pay → Statements: the exact policies missing (policy # · client · carrier · premium) with the did-it-issue question. YES answers auto-queue policy audits.
DEV: PARSE CSV → MATCH ON POLICY # / AGENT NPN → DIFF vs DEAL RECORDS → PER-AGENT REPORT + NOTIFICATION BLAST → YES-ANSWERS AUTO-EMAIL Ed Terrell CC AP@FFL → AUDIT TRACKER IN THIS TAB
CSV / PDF — premium auto-matches to agents & policies
RECENT STATEMENTS
✓
AMERICO · AUG WK346 of 46 policies matched · $41.2K premium posted
✓
TRANSAMERICA · AUG WK331 of 31 matched · $28.7K posted
⚠️
COREBRIDGE · AUG WK32 unmatched policies → tap to resolve · $19.4K held
CARRIER × PRODUCT COMMISSION GUIDE — WHAT EACH PRODUCT PAYS AT YOUR CONTRACT LEVEL
💵 MAIN CARRIERS (80 → 145)
CONTRACTAmerico Eagle SelectAmerico TermAetna Whole LifeAmAm Senior ChoiceAmAm IUL (Int. Health)Trans Express SolutionTrans Express GradedTrans Financial FoundationCorebridge SIWLCorebridge GRADEDCorebridge GIWLMoO Final ExpenseMoO IUL ExpressMoO Children’s WLEthos TruStage TAWL
145135%145%144%125%105%140%100%110%–––125%130%100%120%
140135%140%144%125%105%140%100%110%132%70%80%125%130%100%120%
135130%135%137%120%100%135%95%105%127%67.5%77.5%120%125%97%115%
130125%130%130%115%95%130%90%100%122%65%75%115%120%95%110%
125120%125%125%110%90%125%85%95%117%62.5%72.5%110%115%92%105%
120115%120%120%105%85%120%80%90%112%60%70%105%110%90%100%
115110%115%115%100%80%115%75%85%107%57.5%67.5%100%105%85%95%
110105%110%107.5%95%75%110%70%80%102%55%65%95%100%80%90%
105100%105%100%90%70%105%65%75%97%52.5%62.5%90%95%75%85%
10095%100%92.5%85%76%100%60%70%92%50%60%86%90%70%82.5%
9590%95%85%80%60%95%55%65%87%47.5%57.5%82%85%65%80%
9085%90%77.5%75%55%90%50%60%82%47.5%57.5%78%80%60%77.5%
8580%85%70%70%50%85%45%55%77%45%55%74%75%55%75%
8075%80%70%65%45%80%40%50%72%45%55%70%70%50%72.5%
🛡️ CHUBB — ON FILE ONLY, NOT CURRENTLY WRITING (PREFERRED / STANDARD / SUB-STD / GRADED · ages 0–75 / 76–80)
📞 (801) 658-9911 · support.chubb@insuranceadmin.com · REP: Sherisse Greene · sherisse.greene@chubb.com — ON FILE IF WE EVER NEED THEM
CONTRACTPREFERREDSTANDARDSUB-STDGRADED
145130/100%112/82%104/74%65/35%
140125/95%108/78%100/70%63/33%
135120/90%104/74%96/66%60/30%
130115/85%99/69%92/62%58/28%
125110/80%95/65%88/58%55/25%
120105/75%91/61%84/54%53/23%
115100/70%86/56%80/50%50/20%
11095/65%82/52%76/46%48/18%
10590/60%78/48%72/42%45/15%
10085/55%73/43%68/38%43/13%
9580/50%69/39%64/34%40/10%
9075/45%65/35%60/30%37/7%
8570/40%60/30%56/26%35/5%
8065/35%56/26%52/22%32/2%
7560/30%52/22%48/18%30/0%
7055/25%47/17%44/14%27/0%
6550/20%43/13%40/10%25/0%
COMMISSIONS MAY DIFFER BY TERM, AGE AND GRADED — THE CARRIER STATEMENT IS FINALGRADED & GIWL PAY LESS FOR A REASON — PLACE LEVEL WHEN HEALTH ALLOWS (SEE UW WAR ROOM)
THE GRID — TX COMP
70 SPONSORED85 IND90 · $15K95 · $20K100 · $25K105 · $35K110 · $45K115 · VP ENTRY
PROMOTIONS PENDING — YOUR SIGN-OFF
⬆️
JALEN BUFFALO → 100%2nd consecutive $25K month · qualifies clean
⬆️
ALEX PEREZ → 95%$20K hit · month two in progress
$38,240NEXT RUN · FRIDAY · 19 AGENTS
$112.5KADVANCES OUTSTANDING
$3,180CHARGEBACKS · MTD · 4 POLICIES
CARRIER DEBT WATCH
⚠️
2 AGENTS OVER $1K CARRIER DEBTGarnishment applies to bonuses per FFL rules — conservation plan queued with their managers
🚨
DIAL HOURS UNDER STANDARD · 2 AGENTSRio J. 11.2 hrs (std 25) · Isaiah 16.8 hrs — flagged for Friday 1-on-1s
⚠️
PERSISTENCY DIP · 1 AGENT79.4% — below 80 cuts the bonus tier · coaching + conservation call queued
📥
MISSING POLICY UPLOADS · 3 AGENTSGateway/HTMS outstanding — “one policy away from a bonus” · auto-reminders sent
DEMO NUMBERS — LIVE BUILD ROLLS UP FROM CARRIER FEEDS + CONVOSO
🪑 DESK RENT BOARD — AUGUST 2026
COLLECTED $3,200 / $5,3003 OUTSTANDING · 1 LATERULE: DUE THE FIRST FRIDAY · LATE THE FRIDAY AFTER · 2 FREE MONTHS FOR NEW INDEPENDENTS — SAME LINE AS THE ORIENTATION SITE
AGENTSEATJUNJULAUGSTATUSADMIN CHECK-OFF
J. CastilloDesk✓✓✓PAID ✓
M. ReyesDesk✓✓✓PAID ✓
T. BookerDesk✓✓✗LATE · DAY 22 🚨
D. VanceDeskFREEFREE✗FREE MONTHS DONE · DUE
S. OseiDeskFREE✓✗DUE
K. BroussardOffice · $1,000✓✓✓PAID ✓
ZELLE = V1: AGENT PAYS → ADMIN CHECKS OFF ON RECEIPT. DEV V2: STRIPE ACH AUTOPAY ON THE 1st — RECONCILES ITSELF, THIS BOARD GOES READ-ONLY.LATE >30 DAYS = DESK GOES BACK IN THE POOL. THE STANDARD IS THE STANDARD.
🔮 THE OWNER’S CRYSTAL BALL. Platform revenue (leads + seats) splits 50/50 OAKMAN ÷ DEV. Rent is OAKMAN-only — your building, not the platform. Change any assumption; everything recomputes live.
⚙️ ASSUMPTIONS
IN-HOUSE AGENTS / SEATS
AGENT GROWTH / MO
NEOS SEAT $ / AGENT / MO
LEADS / AGENT / WK
LEAD COST $
IN-HOUSE LEAD $
3RD-PARTY LEADS / WK
3RD-PARTY UPCHARGE $
3RD-PARTY GROWTH / MO (LEADS/WK)
BOOTH DESKS (× $300)
PRIVATE OFFICES (× $1,000)
💰 MONTHLY REVENUE — MONTH 1
🤝 THE 50/50 SPLIT — REAL PROBABILITY MARGINS
📈 PROJECTED vs ACTUAL — 12 MONTHS
▬ PROJECTED▬ ACTUAL — REALIZEDLIVE BUILD: ACTUALS AUTO-FILL FROM REAL SALES, REAL TIME
🔒 OWNER + DEVELOPER ONLY — ADMINS NEVER SEE PAYROLL, SPLITS, OR PROJECTIONS
📚 THE CATALOG — EDIT ONCE, FEEDS EVERYTHING. This is the single admin list of carriers, products, and comp percentages. Change it here → Quote-E ladders, the Carriers page, App Guides, and every comp calculation update everywhere. Nobody hand-edits a dropdown ever again. (The one Closio feature we didn’t have — now we do.)
🏦 CARRIERS & PRODUCTS
🏦
ACTIVEAmericoEagle Select 1 · Eagle Select 2 · HMS · Payment Protector — 100% bonusable
🏦
ACTIVECorebridgeSIWL · GIWL · Select-a-Term — 100% bonusable life
🏦
ACTIVETransamericaExpress · Trendsetter LB · FFIUL — 100% bonusable
🏦
ACTIVEAmerican AmicableSenior Choice · Intelligent Choice IUL — 100/100
🏦
ACTIVEMutual of OmahaLiving Promise · TLE · IUL Express — 50/50 · ONLY IUL UNDER $50K
🏦
ACTIVENational Life GroupFlexLife · term — 25% life / 100% IUL
🏦
ACTIVEF&GPathsetter · Everlast — 25/75
🏦
ACTIVEAetna (CVS)Accendo — 86–89 lane
🏦
PHASING OUTEthos · TruStageinstant issue — last resort
➕
OWNER / ADMIN+ ADD CARRIER / PRODUCTName · portal URL · products · comp grid · bonusable % · UW rules → feeds the whole OS
🔒 OWNER + ADMINS · DEMO — R8 WIRES THE REAL SINGLE SOURCE OF TRUTH
💵 THE ACTUALS — WHAT’S REALLY COMING IN, RIGHT NOW. Projections are the plan; this is the receipt. Every stream, live — and the delta chip tells you if reality is beating the plan or falling behind it. Live build: every number here is a running total off real events (lead orders, seat billing, rent ledger) — nothing typed.
🟢 LIVE — UPDATINGAUGUST · MONTH TO DATEVS PROJECTION PACE (DAY 22 OF 31)
🎯 IN-HOUSE LEAD SALES
$18,433
4,608 leads × $4 margin · MTD
▲ 101% OF PACE
🌐 3RD-PARTY LEAD SALES
$8,120
541 leads × $15 upcharge · MTD
▼ 88% OF PACE — PUSH THE OUTSIDE CHANNEL
🖥️ NEOS SEATS
$5,000
50 seats × $100 · billed the 1st · 0 churn
✅ 100% COLLECTED
🏢 RENT — OAKMAN ONLY
$8,200
14 desks + 4 offices · 17 of 18 paid
1 DESK UNPAID — CHASE IT
💰 TOTAL ACTUAL · MTD
$39,753
vs $37,033 projected pace · +$2,720 AHEAD
🤝 THE SPLIT — MTD ACTUAL
PLATFORM POOL (SPLITS)
$31,553
leads + seats actual
👑 OAKMAN · MTD
$23,977
50% pool + rent collected
🛠️ DEV · MTD
$15,776
50% pool
⚡ THE FEED — MONEY EVENTS AS THEY LAND
🎯
2 MIN AGOJ. Castillo ordered 40 leads — +$160 margin
+$160
🌐
18 MIN AGOOutside order (Team Rodriguez, FFL) — 25 leads × $15
+$375
🏢
1 HR AGOOffice #3 rent cleared — D. Okafor
+$1,000
🔒 OWNER + DEVELOPER ONLY · DEMO NUMBERS — LIVE BUILD STREAMS FROM THE REAL LEDGER
New Era Financial TODAY · ANNUAL PREMIUM --:--
🚨 DEAL CLOSED
LIVE UPDATES THE SECOND A DEAL POSTS ← → TO SWITCH BOARDS

ADD

🔔 NOTIFICATIONS

👑 You moved to #3 on the weekly board — $526 behind D. Okafor.12 min ago
💰 Close posted: R. Vega — $1,455 AP · Americo FE.44 min ago
⚠ Exam stalled: K. in Stage 2 for 11 days (avg is 2).2h ago
🤝 New applicant via your link: T. Nguyen.Yesterday
📅 Offer call with M. Akoi today 3 PM.Yesterday
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Pick a start day, then an end day — or just double-tap one day.
🤖
AI CORNER
pinned — keep working, I ride along
🧭 SIDEKICK🥊 SELL-E🧮 QUOTE-E⚖️ RUL-E
MONEY PATHS
Activate the dialerOrder leadsUpload leadsFind my paymentsChargebacks
RUN THE BUSINESS
Add a clientEdit a clientAdd a recruitCalendarFind the scriptsMy comp levelMy watch link
THE STRIKE SYSTEM — TRIPLE-A DOCTRINE
S-0 Ignore & Advance · S-1 Say-This VERBATIM · S-2 Same say, different energy · S-3 Alternate angle — still stalling? Call it, next number. (Phases 1–2)
PHASE 3 RULE: in the application you do NOT stop unless hard-blocked. Rotate LOGIC → REASSURANCE → HUMOR → BACKUP. SSN first, then banking. UNLIMITED SWINGS.
QUICK REFERENCE — PICK THE PHASE
🔴 PHASE 1 — INTRO · FIRST 90 SECONDS
⚾ CURVE BALLS — WHEN THEY THROW OFF-SPEED
⚾ “My family will figure it out when I’m gone.”
“They will. But wouldn’t it be better to leave them with peace of mind instead of paperwork and debt?” Because I’m sure you would hate to be remembered as a bill to pay, correct?
⚾ “Idc what they do w my body / throw me in the ocean / bury me in the backyard”
Hey listen man, if that were legal I’d save myself the money and do the same (laugh)… We don’t want (beneficiary name) getting into any trouble. That being said, did you have anything in place that might help cover those expenses?
⚾ “I’m going to live forever.”
“If that works out, I’ll be the first to ask you your secret. But just in case… let’s make sure your family’s covered.” (Continue on with the script.)
⚾ “I’m gonna have my body donated to science.”
Perfect — so you were just looking to get something in place to cover any other expenses, plus leave money behind for the loved ones, right?
⚾ “I have coverage through my job.”
That’s good! That benefit may help… But the issue with policies from your job is you’re only covered until you retire, and of course no one plans on working until they pass… So we don’t want to count that as coverage… That being said, did you have anything else that might help cover those expenses? Continue with the script.
⚾ “I have that paid through the Neptune Society / American Legion”
Perfect — so you were just looking to get something in place to cover any other expenses, plus leave money behind for the loved ones, right? Continue with the script.
⚾ “I don’t know if I want to be buried or cremated.”
(Not an objection — handle it:) Ok, well a cremation is about half the price of a burial, so if you’re looking to keep the budget lower I’d recommend cremation. Does that help you make a decision?
STILL CAN’T DECIDE: What we’ll do then is go with the burial because it’s the more expensive of the two. If you do decide to be buried, your funeral is fully covered — and if you ever change your mind, that just leaves extra money for (beneficiary) to keep. Does that make sense?
⚾ “I don’t need it — cremations are only $900 where I’m from.”
I really wish that were the case. You know how it is — usually it’s just an ad to catch your attention, but realistically they charge transportation, storing of the body, the urn, all types of fees — and it ends up costing closer to $5,000. So do you have anything to cover that cost?
🟡 PHASE 2 — DISCOVERY & WHY
⚾ CURVE BALLS — WHEN THEY THROW OFF-SPEED
⚾ “I can save that money each month instead!”
Of course you could — the issue with that is you could pass away before you save up the money. With this, all you need is 1 premium made and you’re fully covered… Does that make sense? Then go back to the script…
⚾ “My kids could sell my house to pay for the funeral.”
That’s great — if the plan is to sell the home, of course they can and get some money from the sale. But the issue is it takes months to get the home on the market, sold, and closed. So most families get something in place to have funds immediately… Does that make sense?
⚾ “I’ll do a payment plan with the funeral home.”
Of course you could — the issue is you may not make all the payments before you pass, which would leave your family coming out of pocket. With this, all you need is 1 premium made and you’re fully covered… Does that make sense?
🟢 PHASE 3 — APPLICATION · UNLIMITED SWINGS
⚾ CURVE BALLS — WHEN THEY THROW OFF-SPEED
⚾ “(Replacing) Let me call my other company first and make sure I can cancel.”
I completely understand — nobody wants to pay for two policies. They shouldn’t give you any issue canceling. The main thing is we need to know you’re actually ELIGIBLE for this coverage before you cancel the other one. Last thing we want is you canceled one and couldn’t be approved for the other. So it’s important we take care of this one first.
⚾ “(On banking) I’m driving.”
I completely understand — do you mind pulling over for a minute just so we can go ahead and wrap this up?
PUSH BACK: I hate to be a bother… but I know neither of us wants to spend another 30 minutes starting this application over. Pull over — it’ll take a minute and we’ll get this wrapped up. Then back to the script…
🌳 “ALREADY HAVE COVERAGE” — THE TREE
✅ TRIPLE-A GUIDE + DECISION TREE — WIRED VERBATIMSKILLS ON DECK: CALL GRADER · FOLLOW-UP WRITER · VM DROPS
⛑️ FEX🏡 TERM🌱 IUL
AGE
STATE
SEX
NICOTINE
TELL IT WHAT’S GOING ON — TYPE OR CHECK, SAME BRAIN
HEALTH PICTURE — CHECK WHAT APPLIES
OPTION A ($ FACE)
OPTION B — READ FIRST
OPTION C ($ FACE)
🔍 WHERE THESE NUMBERS COME FROM
The prices = DEMO MATH. A ballpark FEX curve ($/mo per $1,000 of face, age 50–85, ×0.85 female, ×1.45 smoker, ×carrier multiplier). Realistic shape — NOT live rates. In the live build this runs the Insurance Toolkits rating API — the same engine behind your FEX/Term/IUL lite quoters — so the dollars become real.
The carrier ORDER = real. It runs the underwriting rules straight off the New Era FEX cheat sheet: Corebridge takes COPD + stage-1 cancer + A1C≤8.6 · Eagle Select 2 is the heart/smoker lane · Trans owns 80+ · Aetna 86–89 healthy · GIWL when nothing else fits.
DEMO RATES — LIVE BUILD WIRES TOOLKITS RATINGFULL FEX QUOTERFULL TERMFULL IUL
⚖️ THE THREE JOBS — WHAT RUL-E WATCHES
1 · License & compliance watch — reads your license wall + vault; lapses ping you AND your upline before a carrier finds out.
2 · Right docs, right client — disclosures, replacement forms, beneficiary confirmations, every policy.
3 · Fraud watch — same client written multiple times, rapid rewrites → auto-flag to the upline. Rewrite churn = chargebacks = everybody’s persistency.
🪪 YOUR LICENSE DECK — CHECK A STATE
ASK BEFORE YOU DO IT — QUICK CHECKS
Client can’t be there — can I answer for them?Can I close a client in a state I’m not licensed in?Is my AML still good?What states am I on deck in?When is my CE due?Can I text this lead?What does a non-res license cost?
DEMO ANSWERS — LIVE BUILD READS YOUR LICENSE WALL, VAULT + WRITE HISTORY
✎ CUSTOMIZE MODE — drag any card. Leaderboard and Goals stay pinned.