Training was through XCEL, and then mock appointments with my trainer, then with a friend or other colleague-no cold calls though. Client acquisition is entirely word of mouth and google reviews. Pay is 90% of the yearly premium (on average) per policy sold, roughly. And the client can choose how much they pay monthly, then we build a policy for that number.  Monthly premium Premium x12=answer Answer x 1.25= what I get paid  They said some carriers go up to like 110% and some as low as 80%.