Created by John Ashworth | 608-338-5052 | [email protected]
Volume & contracts
Commission & expenses
High commission track — detail
Track comparison — net position
High commission track: gross commissions fund all expenses (agent, marketing, shortfall). Net retained cash and shortfall account both compound at the hi comm cash growth rate.
Low commission track: same expense structure at the lower commission rate. Shortfall account grows at 3% carrier rate.
Trust track: full preneed premium enters trust and compounds at the trust growth rate. No commissions are generated — agent comp and marketing are paid entirely out of pocket. Trust net position = trust excess earnings minus cumulative out-of-pocket expenses.
All figures are projections for illustrative purposes only.