Important Clarification: Cauldron Insurance Agency, LLC is NOT a multi-level marketing (MLM) company, pyramid scheme, or network marketing organization. We are a legitimately licensed insurance agency operating under traditional insurance industry hierarchical agency structures, wherein agents may earn override commissions on the production of agents they recruit and mentor, which is a standard and legal practice in the insurance industry and fundamentally different from MLM business models. While our compensation structure may include override commissions on downline production, all agents primarily earn income through direct insurance sales to consumers, not through recruitment fees, membership purchases, inventory requirements, or mandatory product purchases. There are no registration fees, sign-up costs, or upfront payments required to join the Agency. However, you are responsible for obtaining and maintaining your own state insurance licenses, which require separate fees paid directly to state insurance departments, licensing authorities, and examination providers. These licensing costs, including pre-licensing education courses, examination fees, license application fees, background check fees, fingerprinting costs, continuing education requirements, and license renewal fees, are standard regulatory requirements for all insurance professionals and are not paid to the Agency. The Agency does not profit from or receive any portion of these mandatory licensing expenses. Our business model is regulated by state insurance departments, not as an MLM or business opportunity. Any commission calculations, income projections, earnings estimates, bonus structures, or compensation illustrations displayed or discussed within this system, during recruitment, or in any Agency materials are provided for informational and planning purposes only and do not constitute a guarantee, promise, representation, or warranty of actual income, earnings, or financial results. Actual commission payments and earnings are highly variable and are contingent upon numerous factors including but not limited to: insurance carrier payment terms, schedules, and commission structures; successful policy issuance, underwriting approval, and activation; timely policyholder premium payments and policy funding; policy persistency, retention rates, and renewal percentages; chargebacks resulting from policy cancellations, lapses, or non-payment; compliance with all carrier requirements, Agency standards, and regulatory obligations; achievement of production quotas, quality metrics, and performance benchmarks; state-specific insurance regulations and licensing requirements; market conditions, economic factors, and competitive landscape; individual sales volume, product mix, and client demographics; personal effort, time investment, sales skills, and business acumen; prior experience, training completion, and professional development; business expenses, marketing costs, and operational overhead; and applicable federal and state tax obligations.

Income Disclosure and Earnings Disclaimer: In accordance with Federal Trade Commission (FTC) guidelines, Truth in Advertising standards, and state insurance regulations, Cauldron Insurance Agency, LLC is required to provide the following earnings disclosure to all prospective independent insurance agents.

Individual results vary significantly. Success in insurance sales requires substantial personal effort, financial investment, and time commitment with no assurance of profit or income. Most new insurance agents do not earn substantial income in their first year, and many do not achieve profitability. Past performance, testimonials, or earnings of other agents do not predict, guarantee, or indicate future results. The highest-earning agents represent a small percentage of the total agent population and typically have years of experience, established client bases, and significant personal networks. Cauldron Insurance Agency, LLC makes no representations, warranties, or guarantees regarding your potential income, earnings capacity, or financial success. You should not rely on any earnings projections, income estimates, or compensation illustrations when making business, financial, or career decisions. You are solely responsible for evaluating your own financial situation, business viability, and risk tolerance. As an independent contractor, you are responsible for all business expenses, tax obligations, professional liability insurance, licensing fees, continuing education costs, and regulatory compliance. No employment relationship, employee benefits, salary guarantees, or minimum income commitments are provided or implied. Registration does not constitute an offer of employment or guarantee of business opportunity success.