Silverthorne Financial Group
Est. 2026 · Dubuque, Iowa · Independent life brokerage
Illustration only. Commission on issued & paid annual premium; advances and chargebacks follow carrier rules. Your level is set by production. No income is guaranteed.
Based on the trailing 3‑month average of issued & paid premium per month (yours, or your team’s), with 80% persistency to hold. Team commission at 135% also requires 6 producers each at $10K+/month. Rates by product are on the product chart. No income is guaranteed.
Silverthorne Financial Group
Est. 2026 · Dubuque, Iowa · Independent life brokerage
Two kinds of people build here. Pick yours.
Two kinds of people take this seat: independent producers who already write business, and high performers who know they’re meant for more than a salary and a 3% raise.
People who recruit, coach and run producing teams — in insurance, or leading sales teams anywhere else.
Silverthorne flips it: a direct path to higher commission for players, an agency path for leaders, and the machine underneath both.
Four things you won’t get at a job — or most IMOs.
Results depend on licenses, appointments, product mix, persistency and work. No income is guaranteed. Agency contracts and equity are separate written agreements.
Carrier appointment and state licensing timelines are set by carriers and states, not by us.
Commit to the system and budget $5K–$10K for leads. If the commissions from your first 60 days of business don’t cover your lead spend, we pay you back 50% of your lead spend, up to $2,500.
Terms apply. The 60 days start when you are contracted and appointed. Settled at day 90 on commissions from issued, paid and in‑force policies, net of chargebacks — not advances. 80% persistency required to qualify; any misrepresentation, improper replacement or SIU referral disqualifies. Activity is verified from our dialer and CRM. The lead budget is your own spend on your own leads; self‑gen is always an option. Full terms are given to you in writing before you start. This is a lead‑cost bonus, not a guarantee of income.
Hit the production number, your commission moves. No politics.
Contract, advances, chargebacks, release terms — before you sign.
Run by Family Fortress Life. Unprofitable campaigns get cut.
You’re paid to write business. Building a team is optional.
A person reads your application. Not a fit? You hear it on call one.
Team leader, live coaching and weekly reviews that don’t expire.
Cole Brayton built Silverthorne after watching good people feed structures that never paid them like owners. Every system here fixes something he hit himself — and now it goes to every producer, licensed or brand new, with a team leader in their corner from day one.
Cole Brayton · Founder & CEO
Our advertising partner
Our partner Family Fortress Life runs advertising in niche markets and sends the leads straight to you. Every dollar you put in goes to the ads — not to a middleman’s margin.
Family Fortress LLC is Silverthorne’s advertising partner. Ad platform costs apply. Lead volume and results vary by market and spend.
A slice of every company override buys ads — on the company’s dime. Those bonus leads go back to the team every week, split by who produced. Agents pay $0 for bonus leads.
Net AP = issued & paid minus that week’s chargebacks. Marginal tiers: each rate applies only to production inside its tier.
More sales → bigger overrides → bigger fund → more leads for everyone
Illustration only; names and figures are examples and planning assumptions. Higher tiers apply while bonus leads return 2.5×+ their cost and 90‑day lapse stays under 10%. A 90‑day lapse over 15% pauses an agent’s share. Bonus‑lead volume depends on company production and ad performance. No income is guaranteed.
GoHighLevel texts every new lead instantly — so they know your name, your number and their appointment time before they’ve put the phone down.
Family Fortress LifeExample message. Texts go only to people who request contact and give consent on the form; reply STOP to opt out.
Same hour. Same list. One of these agents spends it on hold with voicemail.
Illustration of a typical hour. Actual numbers vary with list quality, line count and contact rates. Dialing only to leads who requested contact, under federal and state calling rules.
Clear $100K/month in clean issued business and the door opens to your own agency contract.
Contracts, infrastructure and support without being treated like a trainee.
For high performers who know they’re meant for more than a salary. Trained by people who still write business — not a script and a prayer.
A straight conversation about your current contract, your persistency, your lead situation and what you want to stop doing. If the fit is there, we walk you through contracting. If it is not, we tell you.
It is for A+ players — independent producers already writing business, and high performers done with the W‑2 life — and A+ leaders who build and run teams and want to own their agency. If you want a W‑2 job with a guaranteed draw, this is not it.
Yes, if you will do the work. You get licensing support, a defined 90‑day ramp, the same systems our producers use, and a team leader reviewing your activity every week. Sales, athletics, military, trades, hospitality, business owners — the common thread is drive and coachability, not a license.
No. Recruiting is optional. You can make a living writing business. Leadership is a separate conversation for people who have already proven they can produce.
Budget $5K–$10K for your own leads and run the system exactly as taught — scripts, daily activity, every coaching session. If the commissions from your first 60 days of business do not cover your lead spend, we pay you back 50% of your lead spend, up to $2,500. The 60 days start when you are contracted and appointed, and it settles at day 90 on issued, paid and in‑force policies, net of chargebacks. You need 80% persistency to qualify, and chargebacks after settlement follow your normal producer agreement. Full terms are given to you in writing before you start. It is a lead‑cost bonus, not a guarantee of income.
You do, at cost. Self‑gen is always an option. If you want paid leads, ads run through Family Fortress LLC, our private ad company, with no markup on your spend. We track the numbers that decide whether it is profitable.
Advances follow each carrier’s schedule where the carrier allows them. You will see the full payment terms in writing before you contract.
They follow the business and the writing agent under carrier rules. We review persistency. We do not sell you a structure that only works if nobody lapses.
No. You are not required to recruit and you are not paid to recruit as the core model. Building a team later is a separate agreement with different work.
In some scenarios, yes. Dual appointment is allowed case by case, typically for team builders or high personal producers stuck at another IMO.
Team builders doing $100K+ a month in clean issued business can move to an agency contract: triple‑digit commissions on whole life, IUL and term, control of your agency and downline, and an equity opportunity in our future exit. Agency contracts and equity are separate written agreements, earned by production.
A person reads every application. If the fit is real, you get a conversation. If it isn’t, you get a straight no.
A person reads every one. If your drive, timing and standards line up, we’ll reach out with a time to talk. If not, you’ll get a straight no.