Annuity Brokerage



We recognize the commitment of our financial professionals to their clients. We offer generous incentives to reward them for their dedication and service, including Gradient Shares, Gradient Gala, Gradient Summit, and the Jet Set Giveaway.

Gradient Shares: Profit Units

For every $1 million of paid annuity premium and $100,000 of target life premium, our financial professionals earn 1 Profit Unit. At the end of each calendar year, we put a portion of our profits into a pool to give to our plan participants. Each unit will be assigned a value based on the amount in the pool divided by the number of units in the program. Units accrue based on actual production written. Units will accumulate every year with NO LIMIT to the units our plan participants can earn, and they continue to get paid on past production.

We also allow them to carry over their units every year.

Our goal is to reward our financial professionals for their loyalty throughout the year as well as maximize their current business model. To make a significant impact on their current year growth, we pay double Profit Units each year for their current production. This enhanced benefit means more money for continued loyalty and provides a tremendous opportunity for new producers.

Gradient Shares: Marketing Units

Every day, we help our financial professionals continue their education, reach more investors, and enhance their existing marketing and technology. We offset or fully pay for marketing expenses when they place their business with us. And as an added incentive, we provide progressive increases with each increase in production.

Gradient Gala & Grand Gala



As one of the elite financial professionals in the country, you know that being successful in this business takes hard work, dedication, and let's face it, a little bit of luck. That's why you're invited to join leading financial professionals from across the country to the 2017 Gradient Gala, where you can experience the luck of the Irish in the stunning country of Ireland.

The 2017 Gradient Grand Gala and Gradient Gala will offer you the chance to experience Ireland like never before. With perfectly manicured golf courses overlooking scenic oceanside cliffs and tranquil gardens nestled between castles and libraries, there's something for everyone to indulge in.

Production through Gradient Investments now counts toward your ticket to Gradient Grand Gala and upgrades along the way.

The rules are simple:

  1. You must pay for a minimum of $3 million of fixed annuity production through Gradient Annuity Brokerage or equivalent life insurance.
  2. Once you hit the minimum life and annuity production, AUM growth through Gradient Investments starts counting toward the next qualification level. AUM growth is measured as total change in AUM during the qualification period.

Gradient Gala Qualification Details:

  • $3 million premium*^
    • 1 entry (2 guests)
  • $9 million premium**^
    • 1 entry (2 guests) + accomodation and/or travel upgrades

Gradient Grand Gala Qualification Details:

  • $12 million premium**^
    • 1 entry (2 guests) Gradient Grand Gala + 1 entry (2 guests) Gradient Gala


* Paid annual fixed annuity or equivalent target life premium or a combination thereof.

** Paid annual fixed annuity, equivalent target life premium, AUM through Gradient Investments as measured by total change in AUM during the period, or a combination thereof. A minimum of $3 million of paid annual fixed annuity and/or equivalent target life premium is required before AUM through Gradient Investments may count toward qualification requirements.

^ Guaranteed rate annuity and SPIA production calculated at one-half credit. Qualifier must be in good standing with Gradient Annuity Brokerage, Gradient Life Brokerage, and Gradient Investments for production to qualify. Some restrictions may apply. Click here for disclaimer.

Gradient Summit

January 3-6, 2017

Gradient Summit is our annual training event attended by over 400 participants and located in resort destinations across the country. This is your opportunity to connect with other top financial services professionals for valuable leadership and sales training.

Year after year, Gradient Summit is packed with a powerful lineup of charismatic speakers covering topics that will stimulate your vision and redefine what “growth” and “success” means for your practice. Our experts’ powerful presentations provide you with exclusive and critical industry insights, and your dynamic interactions with other top financial services professionals will also help to enhance your knowledge of the best practices.

Join us for the 2017 Gradient Summit and let your practice ascend to new heights of success all year long!

Amelia Island, Florida

The 2017 Gradient Summit is hosted at The Ritz-Carlton, Amelia Island, on the historic Amelia Island in northeast Florida. This luxury destination is located 30 minutes from the Jacksonville International Airport.

Amelia Island, Florida is where Southern charm meets the sea and live oaks meet white sandy beaches. The barrier island offers miles of dazzling coastlines and lush maritime forests, making it the ideal destination for nature lovers. Plus, the island’s storied past remains as entrancing and enticing as ever, and its roots are clearly preserved in the 50-block downtown historic district, which includes a wealth of Amelia Island fine dining, artisanal shops, and museums to browse along its cobblestone streets.

The Ritz-Carlton, Amelia Island, is one of the most exquisite Florida resorts, and you are encouraged to revel in the stunning coastal views from the private balcony of your luxurious guest room. Play 18 holes on The Ritz-Carlton private golf course, lined with ancient, moss-covered oaks. Surrender to serenity at The Ritz-Carlton spa. And, let the extravagance of this coastal resort serve as the backdrop for you to rediscover your professional spirit in 2017.

Come to the 2017 Gradient Summit on Amelia Island and discover paradise!

An Opportunity for Recognition

Gradient Summit is your opportunity to be recognized for your extraordinary work. Through our Gradient Shares program, you will earn a handsome check $10,000 - $20,000 - $30,000 or more. Top attendees from each Gradient company will also earn a spot on the stage during our awards ceremony.

Super Elite VIP Bonus!

Gradient Super Elite status plus qualify production allows you to join other “very important producers” and their guests for an extra night of hotel accommodations, airport arrival transfer, private entertainment and dinner, and a golf or spa outing prior to Gradient Summit.

Paid annual fixed annuity premium and/or equivalent target life premium or a combination thereof. Some restrictions may apply. See for complete details.

Jet Set Vacation

Imagine skiing in Aspen, then relaxing on the beaches of Malibu the next day. Perhaps golfing at Pinehurst followed by Broadway show in The City That Never Sleeps.

Two financial professionals will have the opportunity to win a jet set vacation traveling aboard our Beechcraft Premier 1 jet. Each winner will choose two (2) destinations of their choice inside the contiguous United States for a four (4) day, three (3) night trip with (5) five of their closest friends and family. Each winner will receive $3,000 cash for lodging, food and activities.

Qualification based on overall production and growth. Where do you want to be in 2015?

* Jet Set Giveaway travel must be within one year of the date awarded.