How We Beat Your Current Annuity Commission
Starting comp needs no experience and no production minimum. Strong producers are contracted higher — and our job is to beat your current commission, carrier by carrier.
Updated October 2026
Short answer: BetterAnnuityComp.com’s sole job is to beat your current annuity commission, starting with a carrier-by-carrier annuity commission comparison on Zoom. If you’re stuck at your current commission level or simply want higher commission, this is for you. Starting comp is for every producer, including new producers with no experience, and there is no production minimum. If you have strong production to show, or you are an established agency, a financial advisor or financial firm, or a healthcare agency already writing annuities, you can earn much higher commission: submit your application, schedule a Zoom, and we review your current commission levels carrier by carrier and contract you above them — with full back office support, case management, carrier contracting and sales tools included.
Our mission
Our mission is to give annuity producers the true commission they deserve. Our job — and our main focus — is to beat the commission level you are contracted at today, whether you are a solo agent, an established agency, a financial advisor or financial firm, or a healthcare agency. Everything else we do, from case management to carrier contracting, is built to support that.
How our annuity commission comparison works
- Submit your application. Use the application for your type: solo producer, agency, financial advisor or financial firm, or healthcare agency. It takes a few minutes.
- Schedule a Zoom. After we review your application, we set up a Zoom call at a time that works for you.
- Share your current commission levels. Bring your current contract level or commission schedule for each carrier you write and the products you sell most.
- We compare carrier by carrier. We line up your current levels against what we can contract you at, carrier by carrier and product by product.
- We contract you above your current levels. No matter your current commission level, if you meet our minimum requirements (solo producers have none), you automatically get higher commission than where you are today, and you see your new levels before you decide anything.
- Get contracted and keep writing. Swift onboarding and carrier contracting, then case management and back office support behind every case.
Starting comp needs no experience — no production minimum
The annuity carrier list publishes starting comp for 68 carriers and 345 products, by term, commission option and issue age. Every producer qualifies for that starting comp, including new producers with no experience; there is no production minimum. It is not the ceiling. If you have strong production to show, we contract you above our starting comp, and agencies with a downline, financial advisors and financial firms, and healthcare agencies can earn much higher commission too — our job is to beat the level you are at today, not just match the published starting comp.
New or experienced
Every producer, including new producers with no experience, qualifies for our published starting comp on every product — no production minimum — with the same case management, back office support and tools as everyone else.
Strong production to show
We contract you above our starting comp. Bring your current levels to a Zoom call and we contract you above them, carrier by carrier.
Who we beat current commission levels for
Solo agents
Independent annuity producers at any experience level, including new producers — no minimum requirements and no production minimum. Solo producer application.
Established agencies
Keep your agents and book, earn overrides on your downline, run LOA or direct-to-carrier, and get contracting for your team. Agency application.
Financial advisors and financial firms
RIAs, IARs, hybrid advisors, insurance-licensed planners and their firms, with Roth, RMD, 72(t) and Social Security planning tools. Advisor application.
Healthcare agencies
Medicare and health agencies adding annuities to the clients they already serve, exempt from the producer requirements. Healthcare agency application.
What to bring to your Zoom call
- Your current commission schedule or contract level for each carrier you write
- The carriers you are appointed with today
- The annuity products you sell most and your typical premium size
- Roughly how much annuity premium you wrote in the last 12 months
- For agencies: your number of downline agents and whether they are paid through an LOA model or direct-to-carrier
- Any vesting, release or book-ownership terms in your current contract
Recent commission statements help us match your exact levels. Please don’t send Social Security numbers or bank details through the application.
Everything included when we beat your commission
Higher commission
Our job is to beat your current commission on each carrier you write. Starting comp is published by product, term, option and issue age.
Case management
Pre-submission review to prevent NIGO, best-interest paperwork review, 1035 and transfer tracking, and carrier follow-up through issue.
Back office support
Commission, appointment, license, AML and training tracking, plus carrier communication.
Swift onboarding and contracting
One streamlined contracting process across 68 annuity carriers.
Sales tools
Real-time annuity rate tracking, SPIA comparison software, and 72(t), Social Security, RMD and stretch IRA calculators.
Marketing and sales systems
Retirement-income sales system, Roth conversion software, Social Security seminars and done-for-you client campaigns.
See everything in case management, back office and sales tools. Some marketing and practice-building programs are delivered by independent partners and may carry their own fees.
Frequently asked questions
Can BetterAnnuityComp.com beat my current annuity commission?
That is our sole job: no matter your current commission level, if you meet our minimum requirements (solo producers have none), you automatically get higher commission than where you are today. Starting comp is for every producer, including new producers with no experience, and there is no production minimum. If you have strong production to show, we contract you above our starting comp, and established agencies, financial advisors and financial firms, and healthcare agencies can earn above it too. Submit your application, schedule a Zoom and share your current commission levels by carrier. We compare them carrier by carrier and contract you above them, with full back office support, case management, carrier contracting and sales tools included.
Is there a production minimum for starting comp?
No. Starting comp has no experience requirement and no minimum production, so new producers with no experience start at it too. If you have strong production to show, we contract you above our starting comp — and our job is to beat your current commission.
Is the starting comp on the carrier list the most I can earn?
No. Starting comp is for every producer, with no experience requirement and no production minimum. If you have strong production to show, we contract you above it, agencies can earn much higher too, and our job is to beat the level you are contracted at today.
How does the commission comparison work?
Submit the application for your type, then schedule a Zoom. On the call we review your current commission levels for each carrier you write, compare them carrier by carrier and product by product, and show you where we beat them. Contracting comes next, once you have seen the comparison.
What should I bring to the Zoom call?
Your current commission schedule or contract level for each carrier you write, the carriers you are appointed with, the products you sell most and roughly how much annuity premium you wrote in the last 12 months. Agencies should also bring their downline count and whether agents are paid through an LOA model or direct-to-carrier.
Does this work for agencies, financial firms and healthcare agencies?
Yes. Our job is the same for solo agents, established agencies, financial advisors and financial firms, and healthcare agencies: review your current commission levels carrier by carrier and contract you above them, with full back office support, case management, carrier contracting and sales tools included.
Will I really get higher commission than I have now?
Yes, as long as you meet our minimum requirements, and solo producers have none. No matter your current commission level, you automatically get higher commission than where you are today; that is our job and our mission. On the Zoom call we compare your current levels carrier by carrier and show you your new levels before you move anything. Your contracting paperwork sets the final schedule.
Do I have to leave my current IMO to see the comparison?
No. The application and the Zoom review come first, so you can see where we beat your current commission before you decide anything. Moving existing contracts follows each carrier’s release rules.
Ready for us to beat your current annuity commission? Submit the application for your type, then schedule a Zoom.
BetterAnnuityComp.com is powered by BetterLifeQuotes.com. Commission comparisons are based on the information you share and carrier schedules in effect at the time; final compensation is set in your contracting paperwork.