IA Agreement Key Points
Important terms you agree to when becoming an IA.
Agreement Components
When you become an IA, you accept:
- 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
- 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
- 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
- Informal resolution
- Mediation
- 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