November 1, 2016

Leadership Promotion Guidelines

Building Your Empire:

The most exciting thing about the WorkFORCE opportunity is the ability to build a business of your own. We’ve specifically engineered our compensation plan to appeal to those with an entrepreneurial mindset. We don’t believe you’ll find a more aggressive and simple pathway to achieving your financial goals, no matter how lofty they may be.

We facilitate this growth through our membership in the Family Heritage Leadership Academy (FHLA). FHLA is an invite-only quarterly leadership training at the Torchmark corporate office in McKinney, TX. Each level builds on the levels preceding it and is a proven way to supercharge your business growth. Click here for details on the course content.


Entry Level – Sales Professional: Learn how to bring on new clients and invite candidates into our interview process
We reward all our new agents for referring in new agents from Day 1

  • Personal sales contract of 30% first-year commission and 2% lifetime renewals.
    • This section details how to accelerate your commissions through leveraging agency building and the FHL Career Track, but if you prefer to be a “lone wolf”, your personal sales contract will automatically increase from 30% up to 60% based on lifetime personal production.
  • 5% first-year override on the agents you refer (or “source”)
    • NOTE: Commissions paid on all sales forever as long as you are active and appointed

Promotion 1 – Team Leader: Model the process by having new agents follow you and observe how you do business
Qualification: Personally produce $30,000 NAP or have 14 Submits and 1 Personal Recruit in a Quarter

  • Every week you or one of your agents submits even one piece of business counts as a “SUBMIT
  • Personal sales contract increases to 35% first-year
  • Earn an additional 5% first-year override and 1% lifetime renewals on agents you train

Promotion 2 – Field Director: Take 100% responsibility for training new agents
Qualification: Team production of $75,000, 30 Submits, and 1 Personal Recruit in a Quarter

  • Team production includes personal sales
  • Personal sales contract increases to 40% first-year
  • Mentor your Team Leaders on how to manage their Sales Professionals’ activity to hit their sales goals
    • NOTE: Promotion is achieved and reviewed on a quarterly basis; one-quarter grace period to maintain.

Promotion 3 – Market Director: Run your own interview process, on-boarding and licensing all new hires
Qualification: Team production of $125,000, 50 Submits, and 3 Personal Recruits in a Quarter

  • Personal sales contract increases to 45% first-year and 3% renewal
  • Earn an additional 5% override on all new team members you interview, hire, get licensed, and get qualified for sales academy
  • Responsible for 25% of all operational expenses in running your business
    • NOTE: Promotion is achieved and reviewed on a quarterly basis; one-quarter grace period to maintain.

Promotion 4 – Regional Director: Open an office to support your agency growth
Qualification: Team production of $175,000, 70 Submits, and 6 Personal Recruits in a Quarter

  • Personal sales contract increases to 50% first-year
  • Manage entire override contract of 20% first-year and 3% renewal
  • All Team Leader, Field Director, and Market Director overrides are paid out of your override contract
    • If you hire a Sales Professional with no one else in the hierarchy, you earn 20% first-year override and 3% renewal override
    • If you have other Team Leaders, Field Directors or Market Directors in your Agent’s hierarchy, those overrides are paid from your 20/3 contract
  • Responsible for all interviewing, hiring, on-boarding and training of everyone on your team
  • Responsible for 50% of all operational expenses in running your business
    • NOTE: Promotion is achieved and reviewed on a quarterly basis; one-quarter grace period to maintain.

Promotion 5 – National Director: Agency Owner in training
Qualification: Team production of $250,000, 100 Submits, and 9 Personal Recruits in a Quarter

  • Personal sales contract increases to 55% first-year
  • Participate in exclusive training and mentoring from Agency Owner and the National Sales Staff of Family Heritage Life
    • NOTE: Promotion is achieved and reviewed on a quarterly basis; one-quarter grace period to maintain.

Promotion 6 – Agency Owner Candidate: 
Qualification: Team production of $375,000, 150 Submits, and 12 Personal Recruits in a Quarter

  • Personal sales contract increases to 60% first-year
  • Recognition in FHL publications, on conference calls, and at annual meetings
  • Responsible for the same reporting, leadership and management on their group as Agency Owner
  • Maintain this level of production for 4 quarters and you will qualify to “break off” from WorkFORCE and brand your own company
    • NOTE: Promotion is achieved and reviewed on a quarterly basis; one-quarter grace period to maintain.