Business Model

Executives look forward to opportunity with WFG

The World Financial Group business model offers a unique opportunity to help make financial independence and business ownership accessible to a variety of individuals from a wide range of backgrounds. 

Some of our diverse array of clients even choose to become independent business owners themselves. Many of them have built successful financial services organizations using our proven system, a system that has produced thousands of successful financial professionals across North America.

Helping People Build Their Financial Futures

WFG agents share financial knowledge, best practices, and strategies for life insurance protection, retirement savings and education planning to help clients build better futures.

People celebrating recently acquired financial freedom.

Become a WFG Agent

WFG financial professionals have access to the training necessary to become a licensed life insurance agent as well as mentoring and support from the WFG home office and fellow WFG agents that is necessary to launch a business. WFG offers state-of-the-art technology, business-building guidance, and marketing resources to help you promote, monitor, and grow your business. We built this program to support aspiring financial professionals with everything they need to get started, are you up for the challenge?

Licensed agent taking courses to become better entrepreneur.

The WFG Difference

The WFG business model allows ambitious entrepreneurs to build a financial services organization on your terms. Full time or part time. Day or night. Scale without limits.

Traditional Agency

Traditional business model for insurance agents.

Business owners hire and train team members to work for the firm. Only top business owners have the opportunity to reach the highest level contract. Team members seeking higher contracts venture out to find new business or start their own firm.

Our Business Model

WFG business model.

Business owners recruit and train other owners to work as a team. Any business owner has the opportunity to reach the highest level contract. Business owners work together as equals helping each other succeed. Growth and income are scalable based on individual business goals.

WFG: Where Entrepreneurs Succeed*

The amount WFGIA has paid in comissions has steadily risen over the last several years.

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Chart Summary
COMMISSIONS

*Many people have experienced various levels of success with World Financial Group Insurance Agency, LLC. However, each individual’s experiences vary. This statement is not intended to nor does it represent that any individual results are representative of what all participants achieve when following the company’s system.

Year Amount
2011 $299.90 M
2015 $732.60 M
2020 $965.00 M
2021 $1100.00 M

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COMMISSIONS

*Many people have experienced various levels of success with World Financial Group Insurance Agency, LLC. However, each individual’s experiences vary. This statement is not intended to nor does it represent that any individual results are representative of what all participants achieve when following the company’s system.

Average Earnings of Full-Time Agents

The WFG compensation offered by our business platform are unlike anything else offered in the financial industry.  The following are the average and highest earnings for a rolling 12-month period through December 31, 2022 for North American agents who held life, securities, and/or investment advisory licenses.

Leadership Level
Tier 1 (0-3 Years Experience)
Tier 2 (4-7 Years Experience)
Tier 3 (8-10 Years Experience)
Average Earnings
$88,0752
$315,2783
$831,8224

2Based on average earnings in 2022 which included commissions and overrides, for U.S. and Canadian agents who are at the WFG field level of Senior Marketing Director, have a tenure of three (3) years or less with WFG and sold at least one policy in 2022. Earnings listed are in U.S. dollars. 

3Based on average earnings in 2022, which included commissions and overrides, for U.S. and Canadian agents who are at the WFG field level of Executive Marketing Director, have a tenure of four (4) to seven (7) years with WFG and sold at least one policy in 2022. Earnings listed are in U.S. dollars.  

4Based on average earnings in 2022, which included commissions and overrides, for U.S. and Canadian agents who are at the CEO Marketing Director or higher WFG field level, have a tenure of eight (8) to 10 years with WFG and sold at least one policy in 2022. Earnings listed are in U.S. dollars.

Four Ways to Build Income

WFG offers one of the industry’s most robust compensation plans on a diversified product portfolio. As you advance through the ranks and build your business, you can earn more money while helping more people.

Expansion Income

Expansion Income as a WFG Insurance Agent

You’re free to expand your business anywhere in the US or Canada – the WFG platform supports your efforts and help you support your organization.5

Personal Income

Earn personal income with WFG

Earn a commission when you write new business and, as you reach preset levels, your commission percentage increases.

Bonus Income

Bonus Income as a WFG Insurance Agent

Qualified agents earn bonus income, which grows based on the entire company’s production, that can multiply and compound your earning potential.

Agency Income

Agency income with WFG

As your business grows, you can build a team by mentoring and developing newly licensed agents. As they write new business, you earn a percentage of their sales through overrides.

5 Certain restrictions apply to expansion. Additionally, agents must be licensed in the states in which they offer services.