Pay for production — never for the people still training.
Here is the whole card. The agency is billed, never the agent — and only for producers: the people writing approved business and the people actively training agents. Trainees never count, and your own seat never bills at all. Each producer is priced in brackets that get cheaper as you grow, so the agency that develops the most producers gets the best rate.
Every agent is free while they train
A new agent in training never adds to your bill — and never has a payment relationship with us at all. The agency is billed, never the agent.
A seat counts only once they're producing
Producing means real output: approved business on the books, or agents under active development. An agent who writes counts. A trainer who develops counts. Nothing else does.
Your rate falls as you grow
Producers are priced in brackets, and every bracket is cheaper than the one before it. A new producer never costs more than the ones before them, the rate steps down at every bracket, and nobody already on the bill is ever repriced.
It stacks like income tax brackets — and only ever in your favor.
Your first ten producers each bill at $20 a month. Producers eleven through twenty bill at $15, the next ten at $10, and everyone past thirty at $5. Reaching a new bracket only prices the people inside it — adding a producer never reprices the ones you already have.
Twelve producers, stacked
Ten producers at $20 each make $200. Two more at $15 each make $30. Total: $230 a month.
That is all “marginal” pricing means: each producer is priced by the bracket they land in. The first ten never move, no matter how big the agency gets.
Which of these is you?
One price could never be fair to both a single agency and an IMO with agencies reporting up through several levels. So there are two cards — and if you run one agency, only the first one is ever yours.
Your own agency
The whole bill for almost every agency.
You get the entire platform and the entire training system for every person on your roster. What you pay is set only by your producers — the people writing approved business and the people actively training agents — each billed at their bracket's rate.
| Your producers | Each / month |
|---|---|
| 1 – 10 | $20 |
| 11 – 20 | $15 |
| 21 – 30 | $10 |
| 31 and up | $5 |
- Everything: operations, AdvisorQuest, analytics
- Every agent on the roster, trainees included
- Billed per producer: approved business, or agents under development
- Trainees and people who are paused or gone never count
- Your own seat never counts — even if you write business yourself
Agencies in your downline
A second card — only if whole agencies report up to you.
Skip this one if you run a single agency; it will never apply to you. If you are an IMO or MGA and agencies with their own books sit beneath you, each of them pays its own card above for its own shop. You pay this one for the view across all of them — set by every producer in your downline, all the way down, on its own, lower ladder.
| Downline producers | Each / month |
|---|---|
| 1 – 50 | $6 |
| 51 – 100 | $5 |
| 101 – 150 | $4 |
| 151 – 200 | $3 |
| 201 – 250 | $2 |
| 251 and up | $1 |
- Production rolled up across every agency beneath you
- Reporting that spans agencies, not just your own
- Counts every producer at every level below you
- Downline owners count here — their seat is free only on their own card
- Largest hierarchies are negotiated directly
Think of it like a franchise. Each downline agency pays for its own shop; the upline pays for the view across all of them. And because the downline card falls with every fifty producers, the bill grows more slowly than the hierarchy it covers — the bigger your downline, the less each producer in it costs you.
A per-seat price taxes the exact thing you need to do most.
Recruiting is the growth engine of an agency, and most software bills you for it the moment a recruit exists. So the tool you bought to help you grow starts charging you for growing, and you end up hesitating over exactly the recruit you should be signing. Here, nobody is on the bill until they produce.
How a seat actually works
In training
A recruit gets the whole platform and the whole training path, and adds nothing to your bill. Not a discounted seat — no seat. An agency with twenty people working through licensing pays for none of them.
Producing: approved business
When an agent's first policy is approved — not submitted, approved — they start counting. Nobody flips a switch; it follows the business on the books, which means the cost follows your revenue, not your headcount.
Producing: agents of their own
A trainer actively developing agents counts too, even if their own book is quiet — turning out producers is production. A trainer title with nobody to train and no book of their own bills nothing at all.
Your own seat never bills — you pay for the people you develop, never for yourself. Anyone paused or no longer with the agency drops off the count. The roster shows who is producing, who is training, and who is neither, so you always know exactly what you are paying for.
Growth should lower your rate, not arrive as a surprise invoice.
Flat bands hold still and then jump; a flat per-seat price charges the hundredth person what it charged the first. Brackets do neither. Each producer has a small, known price, and that price never goes up as the agency gets bigger — it steps down at every bracket.
Hiring does not change the bill
Sign three recruits on Monday and none of them adds a seat, because none of them are producing yet. The only way a recruit touches the bill is by giving an idle trainer someone to develop — and then it is the trainer who counts, because they are producing.
You can work out the number yourself
Count your producers, read the card, add it up. No seat audit, no quote to wait on — it is arithmetic you can run on a napkin, and your billing page shows the same count we bill on.
Moving up means it worked
Your bill only grows when someone starts writing approved business or developing agents of their own. That is the one moment a price increase is easy to justify, because the thing that caused it also paid for it.
Growth lowers your rate
Every bracket is cheaper than the last. The producer who takes you past ten costs less than any of the first ten, and past thirty a producer costs a quarter of what your first one did.
No cliffs
Producer number eleven costs $15. Not a jump to the next band, not a repriced agency — fifteen dollars, for one more person writing business. There is no headcount where the bill suddenly lurches.
Never a reason to hold someone back
Under flat bands, an owner one producer short of the next band has a quiet reason to slow down. Under the card the next producer never costs more than any before them, so the math and the growth point the same way.
What you would actually pay.
The card is easier to see against a real agency than in the abstract. Here is the arithmetic, line by line, exactly as the bill computes it.
Twelve producers on the roster — agents writing approved business and trainers developing agents — plus however many recruits are still coming up.
12 producers
Producers eleven and twelve bill at $15, and the first ten are untouched. Every recruit still in training adds nothing, and neither does your own seat.
Twenty-five producers. The agency has outgrown two brackets and is part-way into the third.
25 producers
The five newest producers are the cheapest on the bill. A flat per-seat price would charge them the same as the first — and charge for every trainee too.
An IMO with 870 producers across every agency beneath it, at every level of the downline.
870 downline producers
This is the downline card alone; the IMO's own agency pays its own line from the first card. Each downline agency pays its own first card for its own shop, too.
Count your producers. That's your bill.
Want us to walk it with you? Tell us how many people are producing, and whether whole agencies report up to you. Running a very large hierarchy, or want to pay for the year up front? Ask — those terms we set together.
We publish the card, not a price-game.