What's In It For You

There are three types of rewards in a career with wfla:

Financial Rewards
Personal Satisfaction
Professional Growth

The financial rewards of a wfla Agent's career are unlimited. The key thing that an agent should remember is that he/she gets paid based upon his/her production. You, the agent, are in complete control of how much income you earn.

wfla makes a significant investment in new Associate Agents by providing a salary plus commission arrangement for those candidates without prior experience. It allows you to earn an income while you are learning about the industry and the business. Combining this feature with the bonus program, the Associate Agent Contract is quite lucrative. The Agency Manager will have a detailed discussion with you concerning the compensation plan before you are offered a Full-Time Contract.

For those Agents who perform well and attain certain production levels, wfla provides annual trips to such exotic places as the Bahamas, the Caribbean or Mexico.

Your Agency Manager will go through a breakdown of the business and our expectations of you, so that you can gather a better understanding of what a new Associate Agent can reasonably expect to earn in his/her first year.

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Personal Satisfaction

When Agents are asked what they find most rewarding about their career, one of the most frequent answers is the personal satisfaction that comes from helping people protect their families and their futures. An Agent provides a service that is matched by only a few professionals. Similar to a doctor, an Agent helps people deal with problems that can have serious effects on an individual and a family. Financial health and well-being are no less important than physical health. There is no more satisfying feeling than knowing you were able to make it possible for a family to achieve its goals in spite of the devastating emotional and financial impact of the loss of a loved one. For most professionals, providing life insurance is not just a job, but a life's work to be proud of. Few careers offer the satisfaction of knowing you made a real difference in people's lives.

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Professional Growth

Another positive feature of the wfla Agent's career that creates satisfaction is knowing that there is the opportunity for continued professional growth and development. Early in your career, emphasis is on the basics. Later on, there are seminars and meetings devoted to education in more advanced topics. Outside of wfla, there are professional development programs that lead to degrees in insurance and financial consultation--Fraternal Insurance Counsellor (FIC) and Fraternal Insurance Counsellor Fellow (FICF), Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC), and Life Underwriters Training Council Fellow (LUTCF).

FIC/FICF
The Fraternal Insurance Counsellor (FIC) program consists of three sections: Part I: Basic, Part II: Intermediate, and Part III: Advanced. The Agent earns the FIC designation upon the completion of exams in each area. This education provides a better understanding of fraternalism and service to clients in the field of individual life sales.

Graduate courses are also available to continue to expand learning in the areas of estate planning, business insurance and financial planning concepts. At the completion of these courses, the agents earn the prestigious Fraternal Insurance Counselors Fellow (FICF) designation.

CLU/ChFC
The Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) programs consist of a series of courses in general areas such as insurance law, income tax law, employee group benefits, estate planning, retirement needs, etc., and specific insurance and financial security areas such as business insurance, employee pensions, and investments. The courses can be taken on a self-study basis or in a classroom setting. There are a total of ten courses required for each designation or thirteen if both designations are attained. Successful completion of the course work requires passing a series of standardized tests. wfla reimburses Agents who successfully pass courses and encourages all to pursue their degree. It is strongly recommended that you begin your progress toward the CLU and/or ChFC designations early in your career.

LUTCF
The Life Underwriters Training Council also offers courses aimed at professional education and development that are credited toward a LUTCF designation. These courses are reimbursed by wfla and cover such areas as Business Insurance, Multi-Lines, Disability, Personal Lines, Financial Planning, and Advanced Sales.

MDRT
In addition, there are industry associations that provide fellowships and education. The Million-Dollar Round Table is the premier industry association. Members qualify by attaining a predetermined commission level in life insurance, disability insurance, and annuity sales during a given year. Educational programs, local and national meetings, and marketing materials are some of the outstanding benefits of belonging to MDRT.

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