I am starting with Modern Woodmen of America soon and am starting to second guess the commission schedule based on things I've read here. Going from my memory of the contract I will be paid as follows: 40% on Term (4% renewals for 10 years) 40 - 65% on Universal and Whole Life depending on the specific product (7% renewals, for 10 years) 4% on annuities Monthly bonuses based on persistency and volume 55% on GDC of Financial Services (Mutual Funds etc..) Almost forgot to include: 2 year business building supplemental income (50% of commissions for first year and 25% in 2nd year; both capped at $2000 in any given month) I will be getting trained by the Regional Director who has been with the company for 20 years. I have access to free marketing materials (fliers/info sheets/booklets) and the company provides all fraternal program supplies that I need at no charge. Some supplies and marketing items will cost me. There is an advertising subsidy that I can qualify for based on my production. For the more experienced here; Does this look like a balanced/fair package? I am 100% new to this industry and am a bit concerned about working on 100% commission. I have worked in retail furniture management/sales in the past, but have spent the last 4 years as a CPA (auditor). How long before I can realistically expect to meet my income minimum requirement ($2000 per month after expenses) and replace my current income ($3800 per month after expenses)?