At GFI, your Contract Level determines your Pay Rate or how much commission you earn on production sale. Each level unlocks higher base rates, overrides, and leadership opportunities as you grow.
Contract Level | Pay Rate (aka Contract Rate) |
Representative (Rep) | 0% |
Associate | 30% |
Field Associate (FA) | 45% |
Senior Associate (SA) | 50% |
Marketing Director (MD) | 60% |
Senior Marketing Director (SMD) | 75% |
Executive Marketing Director (EMD) and up | 85% |
What these numbers mean:
Base Pay Rate is the minimum payout on most products.
Advancement happens through a combination of licensing and personal and team-production.
🎯 Field Training Roles: CFT and Elite Trainer
While your contract level controls how much you earn, these field training roles play a big part in how fast you promote.
🧭 Certified Field Trainer (CFT)
Once Net Licensed, you can become a CFT.
CFTs are allowed to take new agents into the field, lead by example, and earn training overrides.
To qualify, you typically need:
Your own sales pipeline
A working knowledge of MACHO
Approval from your upline trainer or MD
🏅 Elite Trainer
Elite Trainers are top-performing CFTs with a proven ability to launch and coach agents at scale.
They often:
Lead team Zooms or live trainings
Serve as mentors for new builders
Get additional leadership comp and team-building opportunities
🚀 How to Get Promoted at GFI
Advancement through Contract Levels are earned through a combination of licensing, personal production, and team growth. Each step up the ladder increases your Pay Rate and leadership opportunities. Promotions are evaluated and awarded weekly or monthly. Your upline and EMD will help you map out the fastest route based on your strengths. Here’s how it works:
🔰 Representative → Associate
Requirements:
Licensed and appointed
Submit and get paid on 1 policy
Recruit 1 new agent (licensed or in progress)
Attend required onboarding and field training
🎯 Associate → Senior Associate (SA)
Requirements:
Earn $1,000 in commission
Help 3 families (policy issued and paid)
Recruit 3 directs (1 of whom is licensed)
Complete 10 field training appointments
Participate in “CFT In Progress”
🧑💼 Senior Associate → Marketing Director (MD)
Requirements:
Help your team generate $20,000/month in agency production
Train at least 3 Net Licensed agents
Promote at least 1 CFT
⌚ Marketing Director → Executive Marketing Director (EMD)
Requirements:
Team must generate $50,000/month in production
Personally train 2 CFTs
Mentor and retain licensed team members
Must own a personal life policy
💍 EMD → National Vice President (NVP)
Requirements:
Minimum $100,000/month in total team production
Must have 3 MDs or above in separate legs
Must promote multiple EMDs
Attend all leadership trainings and planning calls
🏆 NVP → Senior Vice President (SVP)
Requirements:
Team must produce $200,000+/month
Develop 3+ strong legs with MDs or EMDs
Mentor at least one leg to NVP
Must be active in national recruiting and agency building