IUL (Indexed Universal Life) Advisor — Ai Merchantry™

Description

At Ai Merchantry™, we believe life insurance is more than protection — it’s a strategy for building wealth, creating legacy, and providing peace of mind. Our IUL Advisors specialize in designing cash-value life insurance solutions that serve as both a safety net and a wealth-building tool.

We’re seeking Financial Advisors who want to serve with intention — those who lead with empathy, think strategically, and act with care. This role is ideal for professionals ready to elevate their purpose while being part of something larger than a firm — a movement.

This is a commission-only opportunity for entrepreneurial professionals ready to educate clients, design strategies, and build their own book of business within Ai Merchantry’s platform.

Key Focus Areas for Ai Merchantry Financial Advisors:

• Collaborate with Wealth & Insurance Advisors to deliver IUL solutions that fit within a client’s broader financial plan.

• Demonstrate advanced fluency in IUL structures, including policy design, premium funding, loan strategies, and long-term performance.

• Prepare client recommendations by analyzing product illustrations, structuring policies for both protection and cash accumulation.

• Support client meetings by preparing visuals, explaining policy mechanics, and driving intentional follow-up.

• Mentor & support teammates by sharing IUL insights, training junior staff, and modeling ethical policy design.

• Act as a secondary advisor on complex IUL cases, progressing toward independent client management.

• Advance execution skills by handling policy applications, underwriting coordination, and in-force management.

• Understand and manage processes including compliance documentation, carrier submissions, and suitability requirements.

• Maintain strong relationships with carrier partners and COIs to expand reach and support team revenue growth.

Qualifications & Requirements

• Bachelor’s degree preferred; advanced education a plus

• 4–8 years of financial services, insurance, or advanced life insurance planning experience (preferred)

• Active Life & Health license required

• Advanced knowledge of Indexed Universal Life products and their role in wealth-building, estate planning, and retirement strategies

• Proficiency with illustration tools, policy design software, and platforms like Asset-Map™, Ensight, Salesforce, DocuSign, and Microsoft 365

• Strong communication and presentation skills — able to simplify complex product mechanics for clients

Core Competencies

• Client-Centered Education – Explains IUL in clear, relatable ways that empower client decision-making

• Ownership Mindset – Takes responsibility for building and managing a personal book of business

• Analytical Thinking – Structures policies and funding strategies with precision and intention

• Relationship Building – Develops long-term trust with clients, advisors, and carrier partners

• Clear Communication – Delivers technical strategies in language clients understand

• Ethical Standards – Designs policies in the client’s best interest — never overpromising or misrepresenting outcomes

• Collaboration – Works within Ai Merchantry’s fractional family office model to integrate IUL into broader planning

Role Expectations

This position description provides a general overview of the expectations and responsibilities of the role. As our business continues to evolve, additional responsibilities may be introduced or adjusted to reflect the dynamic needs of our clients, partners, and advisors. Advisors are expected to embrace flexibility, growth, and innovation as they build their book of business within the Ai Merchantry framework.

Role Structure & Earning Opportunity — IUL Advisor

This role is designed for entrepreneurial professionals who want to build a book of business centered on Indexed Universal Life (IUL) — a powerful tool for protection, wealth-building, and legacy creation.

At Ai Merchantry™, you’ll operate as an independent, commission-only advisor, supported by our platform of tools, training, and branded programs. This means your earnings are not capped by a salary but instead reflect your ability to educate clients, design strategic policies, and grow lasting relationships.

As an IUL Advisor, your income is determined by:

• New policy placements and case designs

• Premium volume and funding strategies (including advanced solutions like Kaizen™ Premium Financing)

• Ongoing service and policy management, which create renewal commissions and client retention opportunities

• Client and community engagement, including participation in Ai Merchantry workshops, webinars, and impact programs

There is no base salary. Compensation is 100% commission-based, scalable, and directly aligned with your effort, activity, and the value you create for clients. Many IUL Advisors build six-figure incomes within 18–36 months, with unlimited potential for growth.

Compensation & Commission Structure

This is a 100% commission-based role. Compensation is paid directly through contracted carriers and is based on product type, premium volume, and case design.

Your income is determined by:

• New IUL placements and policy designs

• Premium financing and advanced case strategies (e.g., Kaizen™)

• Client retention, in-force management, and additional funding strategies

• Participation in Ai Merchantry programs and client workshops

There is no base salary and no income cap — income potential is directly tied to your ability to design, educate, and build client trust.

At Ai Merchantry™, you’re not limited by a ceiling — you’re empowered by a platform.

What Determines Your Income? — IUL Advisor

At Ai Merchantry™, your income as an IUL Advisor is commission-only and uncapped — a direct reflection of the relationships you build, the strategies you design, and the clients you serve. Your earnings grow as your book of business grows, with both upfront commissions and renewal income tied to long-term client service.

Key Factors That Determine Income

1. Policy Design & Placement

   • The number of Indexed Universal Life (IUL) policies you design and place.

   • Properly structured solutions that balance protection with long-term cash value growth.

2. Premium Volume & Funding Strategies

   • Higher premiums and advanced funding methods (monthly, annual, lump sum) drive compensation.

   • Advanced case strategies like Kaizen™ Premium Financing offer larger premium opportunities.

3. Client Retention & Reviews

   • Annual client reviews and ongoing in-force policy management generate renewal commissions and strengthen trust.

4. Advanced Solutions & Case Complexity

   • Incorporating IUL into retirement income planning, estate strategies, and legacy planning creates greater case value.

5. Lead Generation & Marketing

   • Leveraging Ai Merchantry tools like LifeLink™, Asset-Map™, Ensight™, and Patrick Kelly’s Tax-Free Retirement webinars to attract and educate new clients.

6. Collaboration & Community Engagement

   • Working with other advisors, Centers of Influence (COIs), and Ai Merchantry programs like Blueprints to Black Wealth™, BOSS™, and We-LL Care™ expands opportunities.

The Bottom Line

Your income is determined by how consistently and intentionally you educate, serve, and follow up with clients. At Ai Merchantry™, we provide the platform, programs, and tools — but you control the pace, growth, and direction of your business.

🕊 There’s no ceiling. Only opportunity — to Live Well. Leave Well.™

Advisor Engagement Details & Expectations

Physical Requirements & Work Environment

Ai Merchantry™ is a platform that empowers licensed professionals to build their own book of business while leveraging digital tools, strategic partnerships, and flexible support models.

This is a remote-friendly, commission-only opportunity, allowing advisors to work from a location of their choice. While the majority of tasks can be performed virtually, the role does require:

• The ability to sit for extended periods and use a computer for daily planning and client communication

• Occasional in-person meetings, events, or seminars (as scheduled by you or your team)

• Comfort handling light materials such as marketing kits, iPads, or promotional materials (typically under 15 pounds)

Reasonable accommodations will be made for individuals with disabilities to ensure success in both digital and in-person environments.

U.S. Eligibility Requirements

To engage with Ai Merchantry™ as a licensed financial advisor, applicants must meet the following criteria:

• Must be 18 years of age or older

• Must hold or obtain appropriate state insurance and/or financial licenses

• Must be legally authorized to work in the United States; Ai Merchantry™ may request verification of identity and work authorization in accordance with I-9 and E-Verify standards

• Must be willing to undergo a background check as part of our commitment to professionalism, ethics, and fiduciary integrity

• May be asked to sign a Confidentiality and Non-Solicitation Agreement to protect client relationships and brand standards

What You Can Expect from Us

At Ai Merchantry™, you're not just earning commissions — you're building a business, a legacy, and a community of impact. Here's what sets our platform apart:

• Access to advanced case design tools like Ensight™, Asset-Map™, and carrier illustration systems

• Training and mentorship on IUL strategies, including retirement income, estate planning, and premium financing

• Marketing funnels, lead generation support, and co-hosted events featuring strategies like Kaizen™ and Patrick Kelly’s Tax-Free Retirement™

• Community-driven programs like Blueprints to Black Wealth™, We-LL Care™, and Protected Tomorrows™ to help expand your reach

• A culture rooted in ownership, communication, intentionality, balance, and legacy-building

At Ai Merchantry™, we don’t promise a job — we invite you to build a practice of purpose.

Our Commitment to Diversity & Inclusion

We believe in the full participation of all professionals in a safe, respectful, and growth-centered environment. Ai Merchantry™ proudly embraces diversity in all its forms and recruits advisors without regard to race, gender identity, age, disability, religion, sexual orientation, veteran status, or any other protected category.

Your values matter here. Your story matters here.

Let’s build something meaningful — together.