Renewal Income Breakdown and Income Calculator - Applicable to only Buffett ETPAD staff

BSH Advantages


Until further notice, all new sales reps hired to the Exclusive Territory Preset Appointment Division (ETPAD) of Buffett Senior Healthcare Corp. (BSH) are GUARANTEED a minimum $75,000.00 first-year sales income. New hires must request a binding agreement from the company before starting a position to be applicable to this income guarantee.

This furthermore states that in the unlikely event an individual were to make under the minimum $75,000.00 sales income level by the end of their 1st year of active full-time field sales work, then Buffett Senior Healthcare® will reimburse the difference to them in one lump sum payment.*

*This guarantee ONLY applies to individuals that are hired into this specific sales division of BSH. The other 14 sales divisions of Buffett Senior Healthcare Corp. are not eligible for this income guarantee.

BSH Associate Renewal / Residual Income - SCROLL DOWN TO USE INCOME CALCULATOR

Protecting our senior citizen clients from all of the outstanding cost of healthcare risks with the very best of the best products is always the most essential aspect of what we do with BSH. On the other hand, we all have families to feed and bills to pay. In less than a year on staff with BSH, most top 30% producers are easily earning a large enough monthly renewal / residual income from their prior months sales to pay all of their normal monthly bills. This allows their continual new sales upfront commissions to be disposal income well above and beyond their costs of living. That being said, financial security is yet another reason why we are with Buffett Senior Healthcare Corp.

Simply put, beyond just the award-winning training, quality preset daily appointments, universal support, top-rated carriers, best products, sharply growing senior market, and a sales career that is unaffected by the economy, selling for BSH provides associates an even higher level of incredible financial security. Every new sale of our primary Medicare Supplement product that an associate with BSH makes will not only pay them upfront commission on each, but also continues to pay them residual ("renewal") commission starting in their 2nd month and continuing each following month. All of the below will be explained in full detail, if you qualify for a personal one-on-one 2nd interview with a manager over your state. For now, to put this in basic perspective, consider the below illustration. 

For example: Let's say a new associate, "John Smith", sells 30 of these policies during his first month with BSH. John will initially be paid an upfront commission on each of those policies once issued. Starting his 2nd month on staff, John will earn additional income by way of renewal commission on those same 30 policies he sold during his first month, and that will continue for every following month.

John gets a little better and sells 40 policies during his second month on staff while earning his renewals from his 1st month of sales. He again receives his usual upfront commission on each of his second month sales, but during his 3rd month on staff he will be earning a monthly renewal income on a total of 70 policies (30 sold first month + 40 sold second month). John has more than doubled the renewal income he made during his 2nd month because he is now being paid renewals on both of the two prior months’ worth of sales that he made his first and second month on staff.

By this point going into his third month, John has become well experienced on how to sell his primary Medicare Supplement product. So, he sells 50 policies during his third month on staff. Then, during John's 4th month he is now earning renewal income on a total of 120 policies from his first, second, and third month of sales.

If John continues at the rate of selling 50 more policies each month, then during his 5th month he will be earning renewals income on 170 policies.

During his 6th month 220 policies.

During his 7th month 270 polices.

During his 8th month 320 policies, then 370 during his 9th month, then 420 during his 10th month, and so forth and so on...

Thus, given the above example, hopefully you can now visualize the earning power that a decent performing associate can make with the benefit of "stacking" one month of sales upon another month of sales and the renewal commission income associated with each following month as an associate's block of total sales volume continues to grow. This is the financial security that was mentioned at the top of this web page. You should also now understand why in previous pages of this website such important emphasis is placed on the BSH high-volume of sales requirement. If you do not understand this by now, then you have not read the previous pages of this website in enough detail. Please go back and start reading this website again from the beginning, as the remainder of the website will be much more meaningful to you if you have complete knowledge of this before continuing.


Income Calculator

Buffett ETPAD Income Calculator

Use the below income calculator to determine your commissions! In our Exclusive Territory Preset Appointment Division (ETPAD) of Buffett, the average producer sells 7 Medicare Supplement applications per week at 9-month advance (not including any cross-marketed product income, thus income below is very conservative). Bottom 50% producers average 5 applications, top 5% average 16 applications per week. Determine your income expectations as they relate to average and above average sales volumes. Also, forecast your future renewals!

Average Premium per month
  Commission level
Monthly commission earned
Commission per application
  Applications per week
Gross Medicare Supplement Commission income per week
    (not including Expense Pay or avg. amount of cross-marketed products)
Average Premium per month
Average Annualized Premium
  Applications written per week
Renewal Premium from above business
  Renewal Commission percentage

Forecasted renewal commission per year for years 2-10 based on the sales from above week*

*(NOT including instant renewals paid first-year starting in Month 2 and continuing until Month 12 when it becomes 5%, then 7%, and as high as 12% for top five percent first-year producers!)


All Buffett Senior Healthcare® positions in this division are reserved for ONLY THE RIGHT PERSON! Anyone can get a contract with us, VERY, VERY few get the position this site is describing to include the preset appointments, the training, continual training, support, advancement opportunities, high-high volume of sales, Exclusive Territories, etc... The particular position this website is describing is NOT for most people and certainly only offered to the very few.


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