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Refer an Agent. Get Paid

Spread the Word is CHC's referral program. When an agent you refer submits their first app, you earn $200 in exclusive lead credits — and $300 more plus a $500 cash bonus when they hit their 10th.

Building a Team Before $1M AV?

You can start recruiting from day one. Agents you bring in before you hit $1M in annualized volume will be automatically transferred to your downline once you reach that threshold.

How it works

Four Steps From Referral to Payout

No paperwork from you — recruiting handles intake. You spot the agent, we onboard them.

1

You Spot the Agent

Friend, former colleague, someone you'd want on the team. Any licensed (or willing-to-license) candidate counts.

2

You Submit the Form

One Microsoft Forms intake — name, license info, your name as referring manager. Takes under two minutes.

3

CHC Onboards Them

Contracting handles W9, license verification, voided check, E&O. You don't have to chase paperwork.

4

You Get Paid

Lead credits on their first and 10th submitted app. Cash bonus follows when they hit the 10th app milestone.

Bonus structure

How the Payouts Stack

Three components, paid as your referred agent submits apps.

Tier 1

$200

Exclusive Lead Credits

First Submitted App

Credit toward exclusive leads when your referred agent submits their very first application.

Tier 2

$300

Additional Lead Credits

10th Submitted App

Additional credits when your referred agent reaches their 10th submitted application.

Tier 3

$500

Cash Bonus · Paid Out

10th Submitted App

Cash bonus paid directly to you when your referred agent hits their 10th app milestone.

Spread the word

Know Someone Who Should Be on This Team?

Submit the contracting request now — recruiting follows up within two business days.

For Manager Use Only

CHC New Agent Contracting Request

Use the link below to submit a contracting request for a new recruit. The agent will receive a link to complete and upload the required paperwork. Missing, illegible, or incomplete documentation will fall to the end of the queue.

Required from recruits:

Completed W9Valid Health & Life residentVoided check / Bank noticeCurrent E&O coverage
Frequently asked questions

Recruiting & Contracting Workflow

Pulled from CHC's actual contracting FAQ — answers managers ask most often.

How do I invite an agent to contract with CHC and sell its products?

Who is my upline / direct manager?

What is my Direct Manager's / Upline's LifeX Agent ID?

I completed onboarding weeks ago and haven't heard back. What do I do?

How do I update my states / licenses for carriers?

How does a new agent get a CHC email address?

My referred agent's TopBroker isn't working.

My referred agent didn't get their commissions. What's wrong?

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