Most agents spend their careers focused only on personal production — chasing commission checks with no endgame in sight. But the agents who win big are building something different: a recurring income stream that combines their own Medicare sales with override income from a downline of Virtual Producers writing P&C. That layered model creates both cash flow today and a sellable business tomorrow.

This isn’t theory — it’s proven math. Medicare books routinely sell for 6× renewal income, and P&C books command 2.5× annual revenue. When you combine both streams and let the income compound year over year, you’re not just building income — you’re building a walk-away asset worth millions.