BUILD A
$3,500,000
LEGACY
The Farmers Retail Program offers one of the most generous bonus structures in the industry — up to 340% bonus on new business commissions, plus an $11,000 startup package and $18,000 in lead funding over 36 months.
Four Pillars of Growth
The Farmers Retail Program is engineered to launch and scale your agency with a combination of upfront capital, performance bonuses, and lead funding.
Startup & Fast Start Bonus
A $5,000 Signing Bonus plus a $6,000 Exterior Branding Bonus gives you immediate capital to launch. Add up to $10,000 in Fast Start Bonuses on qualifying new business commissions written before appointment, and you hit the ground running with real momentum.
Monthly Bonus Program
A 36-month quarterly tier system rewards your growing production. Qualify for Tier A and earn up to 340% bonus on NB commissions, stepping down each quarter.
Monthly Lead Opportunity
Receive up to $500/month in Agency Growth Leads Bucks to fuel your pipeline. That is $18,000 in lead funding over the full 36-month program.
Recurring Revenue & Equity
Insurance is a recurring revenue business — every policy you write keeps paying you year after year through renewals, so your income compounds over time. That same renewal book is a sellable asset: agencies routinely trade for a multiple of annual revenue, meaning the book you build today can become a significant payout when you are ready to retire or exit.
The Quarterly Tier System
Your tier is determined each quarter by your agency's total NB commission production relative to your Area's quarterly targets. Q1 is guaranteed at Tier A (340%).
Build Your Team
Add producers, set their performance level, and watch your 10-year earnings projection update in real time — including renewal income, growth, and milestone views at years 5 and 10.
10-Year Earnings Horizon
- Commissions
- Renewals
- Bonuses
Estimate Your Take-Home
Subtract your operating expenses from projected revenue to see your owner's income.
Producer Payroll
Applied to your 1 producer listed above.
Operating Expenses
Enter your monthly costs — we'll project them across the selected horizon.
Ready to Build Your
Farmers Agency?
Take the next step toward agency ownership. Connect with a District Manager who will walk you through the program, answer your questions, and help you get started.