The IMO model explained — and why the top-tier bonus products end up allocated to high-volume distributors while most agents work with second-tier options.
Ten products across eight carriers — from Athene’s A+ Performance Elite to AuguStar’s 31% bonus Omega Plus. Bonus structures, index options, suitability profiles, and why clients aged 50–75 respond.
100% on self-generated cases. Up to 50/50 on leads we provide. 1 year of free leads for agents joining now. Direct carrier payments — no middleman delay.
From application to contracted in 5–7 business days. We handle carrier contracting on your behalf. Product training included. Case support on every submission.
30 minutes. No fluff. See exactly what’s on the shelf and what you’d earn.
Agent information only. Not shared with third parties. You’ll receive the Zoom link in your confirmation email.
Your Zoom link is on its way to your inbox. Rick personally reviews all registrations before the webinar.
Plus Axonic Trailhead 10 PLUS (23% bonus, 60-day rate lock) and Ibexis WealthDefender Series (5/7/10-yr terms). View all 10 products →
We initiate contracting with all eight carriers on your behalf — 5–7 days.
Rick walks you through the shelf — features, suitability, objection handling.
Submit your first case. Carrier pays commission direct. We support every application.
In most cases, yes. Many of our agents work with other organizations simultaneously. Cadbury’s carrier relationships are additive. Some captive arrangements may restrict outside contracting — Rick will walk through that with you during onboarding.
Directly from the carrier to you. We don’t hold or route your commissions. The carrier pays on their standard schedule.
Our 8 carriers collectively cover most US states. Cadbury actively contracts agents in FL, NJ, PA, and CA. Many products are available in additional states — Rick will confirm availability for your specific state during onboarding.
Yes. Rick provides full product training to every new agent. You don’t need prior FIA experience to join — just an active life & annuity license in an eligible state.
30 minutes. See the product shelf, the commission structure, and the onboarding timeline. If it’s the right fit, you can apply the same day.