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事业机会The Opportunity不需要背景，不需要本钱，不需要辞掉现在的工作。 你需要的是一套能跟着走的系统、一群愿意带你的人，以及开口的勇气——前两样我们准备好了。
No background required, no capital, no need to quit your job. What you need is a system to follow, people willing to bring you along, and the willingness to start conversations. We've got the first two covered.
没有打卡，没有坐班。很多伙伴是在原有工作之余开始的， 每周留出 8–10 小时就能跑起来，做到一定规模再考虑全职。
No clock to punch. Many partners start alongside an existing job — eight to ten hours a week is enough to get moving, and going full-time is a choice you make later, from a position of strength.
四种收入叠加：佣金、团队提成、月奖金池、利润分红。 佣金比例从 45% 一路走到 83%，而且只升不降—— 今年谈成的每一步，明年都还在。
Four streams stack: commission, team override, the monthly bonus pool, and profit sharing. Your commission rate climbs from 45% toward 83% and never moves back down — every step you earn this year is still yours next year.
你卖的不是商品，是一个家庭在最坏情况下的底气。 很多伙伴留下来的真正原因，是第一次帮客户完成理赔之后那通电话。
You're not moving a product — you're building the thing a family stands on when the worst happens. For a lot of partners, what made this permanent was the phone call after their first claim was paid.
这个行业淘汰人的方式很简单：把新人扔出去自己摸索。我们的做法相反—— 在你还讲不清产品之前，永远有人陪你上场。
The usual way this industry loses people is by sending them out alone to figure it out. We do the opposite: until you can explain the product cold, someone goes with you.
入职后至少 3 次一对一：产品、系统与佣金、执照准备。 之后随时可以约，不限次数，终身免费。
At least three sessions after you join — product, system and compensation, licensing prep. After that, book whenever you want, as often as you want, at no cost.
前几张单由认证培训师（CFT）带着完成，你负责听和学， 他负责跑完整个流程——而这几张单的业绩和佣金，你有一半。
Your first cases are run by a Certified Field Trainer while you watch and learn. They handle the process end to end — and you keep half the production and commission.
数十家分公司、数百位认证培训师。外州有客户或朋友想了解， 不用飞过去，就近找一家办公室就行。
Dozens of offices and hundreds of certified trainers. A client or a friend in another state can walk into a local office instead of waiting for you to fly out.
每周线下大课（Irvine、West Covina）与线上 Zoom 培训， 中英文都有；执照考试有中文辅导。
Weekly in-person classes in Irvine and West Covina plus live Zoom sessions, in both languages, with Chinese-language support for exam prep.
这大概是所有能做到六位数收入的事业里，门槛最低的一种。
Among careers that can reach six figures, the barrier here is about as low as it gets.
换来的是：管理后台、学习社区、终身一对一导师、 全美办公室网络、中英双语培训、线下大课。一次付费，终身使用。
Covers the back office, the learning community, lifetime one-on-one mentorship, the national office network, bilingual training, and in-person classes. Paid once, used forever.
原价 $220，团队优惠后 $30 + $6 申报费。 12 小时课程，考过就是你自己的执照，走到哪里都带得走。
List price $220, discounted to $30 plus a $6 filing fee. A 12-hour course, and the license is yours to keep wherever you go.
兼职起步的建议投入。时间自己排， 晚上和周末都可以，不影响现在的工作。
A workable part-time commitment. You choose the hours — evenings and weekends work fine, with no disruption to your current job.
另需各州标准的考试费、指模费与商业保险（E&O）。保险经纪为佣金制的独立承包人工作，收入取决于个人投入与业绩。 State exam, fingerprinting, and E&O fees also apply. Insurance brokerage is commission-based independent contractor work; results depend on your own effort and production.
不靠悟性，不靠运气。每一周做什么都写下来了。
Not a test of instinct or luck. What happens each week is written down.
注册管理后台与学习社区，用优惠码开始执照课程， 约好第一次一对一。这一周主要是听和读。
Register on the back office and learning community, start the licensing course with the discount, and book your first one-on-one. This week is listening and reading.
完成 3 次一对一培训，读完产品与系统的核心文章，开始列名单。 前几次邀约由培训师陪你做，你在旁边学怎么开口。
Complete the three one-on-ones, work through the core product and system articles, and start your name list. A trainer runs the first invitations with you so you learn how it sounds.
培训师带着完成前几张单，你负责听和学。 执照流程同步推进，两件事不冲突，时间不浪费。
A trainer leads your first cases while you learn. Licensing runs in parallel, so nothing waits on anything else.
执照下来后自己完整跑流程，培训师在旁监督。 完成 3 张实习单、招募 3 位伙伴，就成为可以独立招募与开单的 LFTR—— 从这一步开始，团队提成也是你的了。
Once licensed, you run the full process with a trainer observing. Three supervised sales and three recruits make you an LFTR, able to recruit and write on your own — and from that point, team override is yours too.
可以，而且大多数人都没有。我们最优秀的一批伙伴来自完全不相关的行业—— 餐饮、工程、教师、全职妈妈。需要的只是通过执照考试， 剩下的培训体系会补上。比起行业经验，我们更看重你愿不愿意把一件事讲清楚。
Yes, and most people don't have one. Some of our strongest partners came from completely unrelated fields — restaurants, engineering, teaching, full-time parenting. All you need is to pass the license exam; the training system supplies the rest. We care far more about whether you'll take the time to explain something clearly.
可以，而且我们建议这样开始。每周 8–10 小时就能跑起来， 不用辞职，不用赌上现在的收入。等到副业收入稳定超过主业，再决定要不要全职—— 这个顺序对家庭最友好。
Yes, and we recommend starting that way. Eight to ten hours a week is enough. No resignation, nothing wagered against your current income. When the side income consistently passes the day job, then you decide — that order is the easiest on a family.
完全不用。现役从业人员可以用过去三年中任意一年的 1099 佣金记录， 直接对应经理甚至区域经理级别的佣金比例——$10 万对应 70%， $17.5 万对应 75%，$25 万对应 77%。你之前积累的成绩，在这里是算数的。
Not at all. Active producers can use a 1099 from any of the past three years to map straight to manager or even regional-level commission — $100k maps to 70%, $175k to 75%, $250k to 77%. What you've already built counts here.
制度是公开的，你可以自己算。一张 10,000 点的单， 60% 比例就是 $6,000；个人业绩做到 18 万点、按最保守的方式计算 （完全不含任何团队提成）就是 $108,000，同时还够到经理资格、月奖金池、 钻戒与奖励旅游。完整算法在 内部制度文档里，每一步都能自己验算。 （以上为制度算例，实际收入取决于个人投入与业绩。）
The structure is public, so you can run it yourself. A 10,000-point case at 60% pays $6,000. At 180,000 personal points, the most conservative calculation — counting no team override at all — is $108,000, and it simultaneously qualifies you for manager, the monthly bonus pool, the diamond ring and the incentive trip. The full arithmetic is in the internal documentation, every step checkable. (A structural example; actual results depend on your own effort and production.)
开始会从熟人圈起步，因为信任成本最低、成功率最高。 但真正做起来之后，绝大部分业务来自转介绍—— 一个客户满意了会带来三个，这才是这份事业能越做越轻松的原因。 我们的培训里有专门的转介绍与陌生市场模块。
You start with people you know, because trust is already there and the success rate is highest. But once you're running, most business comes from referrals — one happy client brings three more. That's why this work gets easier rather than harder, and we train specifically for referrals and cold market.
不是。这是一家持牌保险经纪机构，收入全部来自实际售出的保险产品佣金， 由承保的保险公司（国家人寿、Corebridge 等）直接支付。 加入不需要购买产品，不需要囤货，也没有加盟费。 团队提成是对培训与管理工作的报酬，与整个保险代理行业的通行做法一致。 公司和每一位经纪人的执照状态，都可以在各州保险监管部门的网站上公开查询。
No. This is a licensed insurance brokerage. All income comes from commissions on insurance actually sold, paid directly by the issuing carriers — National Life Group, Corebridge and others. Joining requires no product purchase, no inventory, and no franchise fee. Team override compensates training and management work, exactly as it does across the insurance agency industry. Company and individual license status is public on every state insurance department's website.
可以。团队培训中英双语进行，执照考试有中文辅导， 服务的客户群体也以华人社区为主——中文其实是优势， 因为能把这些概念讲清楚的华人经纪人并不多。
That works. Training runs in both languages, there's Chinese-language exam support, and much of the client base is in the Chinese community — Chinese is an advantage here, because there aren't many agents who can explain these concepts clearly in it.
周二晚上的产品大课和商机讲座对外开放，线上线下都可以。 来看看我们怎么讲东西、团队是什么氛围，再考虑要不要开始。
Our Tuesday product class and opportunity session are open, in person or on Zoom. See how we explain things and what the room feels like, then think about whether to start.