IA Agreement Key Points

Important terms you agree to when becoming an IA.

Agreement Components

When you become an IA, you accept:

Component	What It Covers
IA Application	Your enrollment details
Policies & Procedures	Rules for IA conduct
Compensation Plan	How you earn
Terms of Service	Platform usage

Key Contractual Terms

Independent Contractor Status

Term	Meaning
Not an employee	You're self-employed
No benefits	No insurance, retirement, etc.
Own taxes	You handle your tax obligations
Own expenses	Business costs are yours

Code of Ethics

You agree to:

• Act with honesty and integrity
• Represent products accurately
• Comply with all laws
• Respect other IAs' rights
• Not make unauthorized claims

Prohibited Activities

You must NOT:

• Make income guarantees
• Present CSR as an investment
• Make unauthorized product claims
• Cross-recruit (recruit from other lines)
• Operate in unauthorized territories
• Use unauthorized marketing

Compliance Requirements

You must:

• Complete required training
• Submit marketing for approval
• Follow all Policies & Procedures
• Maintain accurate records
• Cooperate with investigations

Important Disclaimers in Agreement

Area	Disclaimer
Income	No guarantees; results vary
Success	Depends on individual effort
Product value	Market conditions apply
Position	Subject to compliance

Termination Provisions

The company may terminate your position for:

• Policy violations
• Agreement breaches
• Illegal activity
• Misrepresentation
• Non-compliance

Dispute Resolution

Step	Process
1	Informal resolution
2	Mediation
3	Binding arbitration

Key Acknowledgments

By accepting, you acknowledge:

• You've read all documents
• You understand the terms
• You're not relying on verbal promises
• Income depends on your efforts
• Position is subject to compliance