The Opportunity

A ladder you actually own

Moiseshield Financial is an independent life insurance marketing organization. Every agent contracts directly with the carrier at their own level — and the carrier pays you directly. Build a team, and you keep a 10% override on every level between you and your agents.

1. Contract direct

You contract directly with the carrier at your level. The carrier pays you — no commissions pass through an upline's hands.

2. Earn your level

Seven levels from 70% (Sapphire Broker) to 130% (Diamond Shield), each 10% higher than the one below.

3. Build your team

Bring up agents below you and earn a 10% override on every contract level between you and them.

The seven contract levels

Each level is 10% higher than the one below. Leaders earn only the 10% spread per level — there are no generational overrides or bonus pools.

70% → 130%

Level

Payout

Override

Sapphire Broker

Starting level — direct carrier contract.

70%

—

Emerald Senior Broker

10% higher than Sapphire Broker.

80%

+10% / level

Ruby Field Director

10% higher than Emerald Senior Broker.

90%

+10% / level

Diamond Director

10% higher than Ruby Field Director.

100%

+10% / level

Regional Vice President (RVP)

10% higher than Diamond Director.

110%

+10% / level

Senior RVP

10% higher than RVP.

120%

+10% / level

Diamond Shield

Top level — 10% higher than Senior RVP.

130%

+10% / level

The 10% spread, in practice

Build a team. Earn on every level.

You’re contracted at 100% (Diamond Director). You bring up 10 agents at 70% (Sapphire Broker) — three contract levels below you. The carrier pays each agent directly, then pays you a 10% override on every level between you and them. Three levels, 10% each: a 30% spread on every policy your team writes.

Your level

100%

Diamond Director

Your team

10 agents

Sapphire Broker · 70%

Override

30%

3 levels × 10%

You contract direct — the carrier pays you
Override = 10% × number of levels between you and your agent
No generational overrides, no bonus pools
Your book and your team are yours to keep

Illustrative override

10 agents · 5 policies / day each · $1,000 avg first-year premium

Daily override

$15,000

Monthly override

20 working days

$300,000

Annual override

12 months

$3,600,000

Illustrative example only. Actual overrides depend on premium, product, carrier schedule, persistency, and production. The carrier pays agents and uplines directly — no commissions pass through your downline.

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