Five Rings Financial Compensation Plan Explained (2026)
Simple breakdown: how much you actually earn per customer
Last updated: March 22, 2026
Varies by rank/volume
This company uses a commission structure without fixed per-customer residual
🎯 Income Goal Calculator
How big does your team need to be to hit your income goal?
| Monthly Goal | Team Size Needed | Notes |
|---|---|---|
| $1,000/mo | Varies | Depends on sales volume and rank |
| $3,000/mo | Varies | Depends on team building and rank |
| $10,000/mo | Varies / Requires team | Requires significant team building |
Too variable to calculate — depends heavily on insurance policy sizes and mix
📋 How It Works
Five Rings Financial pays commissions on insurance sales plus overrides on downline agents. The recurring residual on an insurance policy is the annual renewal commission — typically 2-5% of premium after the first year. For a $200/yr term life policy, that is $4-10/yr in residual. Building meaningful income requires either large premium clients or a large recruiting downline.
📊 Commission Levels Breakdown
| Level | $/Customer/Month | Notes |
|---|---|---|
| Direct insurance sale commission | $8.00 | Estimated ~5-15% override on annual premium; on $160/yr avg term life = ~$8/mo residual |
| Downline override | $3.00 | Override commission on downline agent sales |
📅 Monthly Requirements
State insurance license required; monthly fees vary by state
Commission schedule not publicly available — provided only after agent appointment. Per-customer residual cannot be verified without official carrier commission schedules. Insurance renewal commissions typically 2-5% annually but varies by carrier and policy type. Request the full commission schedule before joining.
⚠️ Key Gotchas
- Insurance residuals are paid annually (not monthly) and diminish after year 1
- State licensing required before earning — cost and time investment upfront
- Company not BBB accredited
- Income primarily from recruiting downline agents rather than insurance renewals
- No public income disclosure
Want to understand these issues in depth? Read: 7 Structural Flaws in MLM Compensation Plans →
Compare with Alternatives
See how Five Rings Financial's per-customer earnings compare to other opportunities
Source: https://fiveringsfinancial.com
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