Five Rings Financial Compensation Plan Explained (2026)

💰The Key Number

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
• Insurance residuals are typically 2-5% of premium after year 1

View Full Policy Pitfalls Report

Want to understand these issues in depth? Read: 7 Structural Flaws in MLM Compensation Plans →

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Source: https://fiveringsfinancial.com

📖

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