Make sure to add all writing numbers to HCMS. Downlines can’t contract under you if corporate doesn’t have your up-to-date contracting information.

HCMS is also used for IP reports, if you have missing carriers you may miss comp increases/bonuses.

Comp increases and upline changes can only be done once every 30 days. 

Overrides will be paid directly to you from the carriers

Carriers require the upline to have a license to get overrides on sales in some states. Please see below for list of carriers/states.

Some of the carriers have different comp groups than FFL.

• For example, Corebridge only has 80% and 90% comp. If you earn an increase to 85% with FFL, it will not show up on Corebridge. If you and your downline are in the same “comp group” with a carrier, you won’t get an override.