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团队建设 · 仅供签约伙伴Team Building · Contracted Partners Only收入怎么算、佣金比例怎么升、新人第一个月做什么、 一年做到十万美金需要什么条件，全部写在这里，公开可查，不靠口口相传。
How income is calculated, how commission levels move, what a new partner does in month one, and what a six-figure year actually requires. All written down, all checkable, not passed along by word of mouth.
本专区所有内容仅供团队签约经纪人内部培训使用，不可对外展示、转发或用于招募宣传。 文中所有收入数字均为制度说明与算例，不是收入承诺，也不代表任何个人的实际收入。 个人实际收入取决于个人业绩、团队业绩、执照状态与公司当期制度，差异极大。
Everything in this area is for internal training of contracted agents only. It may not be shown externally, forwarded, or used in recruiting materials. All income figures are structural explanations and worked examples, not income promises, and not representative of any individual's actual earnings. Actual results depend on personal production, team production, licensing status, and current company policy, and vary widely.
如果你是刚加入的新伙伴，建议按 01 → 04 的顺序读一遍，大约需要 40 分钟； 准备开始带人、考 CFT 的时候读 05 → 07；奖励、平台资源和表格随时查。
If you've just joined, read 01 → 04 in order; it takes about 40 minutes. When you start training people or preparing for CFT, read 05 → 07. Rewards, platform resources and forms are there whenever you need them.
佣金 Commission、提成 Override（级差 + 代差）、月奖金池 Bonus Pool、 利润分红 Profit Sharing。每一种都配完整算例。
Commission, override (spread + generation), the monthly bonus pool, and profit sharing, each with a full worked example.
02CA 45% 到 EFD 83% 的完整阶梯，团队晋升与个人晋升两条路的具体条件， 以及其他公司经纪人的佣金等级转换规则。
The full ladder from CA 45% to EFD 83%, the requirements for both the team and personal promotion tracks, and how commission levels transfer in from another company.
0330 天内 5 位伙伴、5 张单、共 15,000 点直升 60%。 两条路径做同样 5 万点，个人佣金差不多，差别在团队提成和带人。
Five partners, five cases, 15,000 points in 30 days, straight to 60%. Two paths to the same 50,000 points pay about the same personally; the difference is team override and leadership.
04培训单与实习单的区别与规则、LFTR 独立经纪人的条件、 CFT 认证培训师的考核，以及新人加入后的七步。
Training sales versus supervised sales, the LFTR requirements, the CFT certification, and the seven steps after someone joins.
05ABC 三方借力、新人进来后的 72 小时、九步带训流程、CFT 守则， 以及十条分单规则、八条金律和七种分单场景。
The ABC triangle, the first 72 hours, the nine-step field training process, CFT rules, and the ten split protocols, eight golden rules and seven split scenarios.
06团队 CFT 面试题库全部 46 题加 13 道补充题，每题的答题要点， 以及旧标准答案里必须改掉的七种说法。
All 46 questions from the team's CFT bank plus 13 supplementary ones, the points each answer should cover, and seven lines from the old model answers that must go.
07不能说的十二句和替代说法，加上 PFA 与国家人寿两本合规手册的要点：客户身份与反洗钱、签名与收保费、 替换、广告与微信、招募与晋升、投诉 48 小时。顶部有 31 页幻灯片。
The twelve lines not to say and what to say instead, plus the essentials of PFA's and National Life's compliance manuals: client ID and AML, signatures and premium, replacements, advertising and WeChat, recruiting and promotion, the 48-hour complaint rule. With a 31-slide deck on top.
08钻戒与钻表、定制西装夹克、豪华旅游 Super Trip 与精英旅游 Elite Trip， 以及历年目的地。
Diamond rings and watches, the custom jackets, the Super Trip and Elite Trip, and where they've gone each year.
09经纪人管理系统、学习社区、一对一导师、全美分公司网络、 线上线下培训与执照学习优惠。一次付费，终身学习。
The agent management platform, the learning community, one-on-one mentorship, the national office network, training online and in person, and the licensing discount.
10晋升用的 5530、总监承诺、内部转线、国家人寿委任与 E&O， 以及投保、保全、取款要填哪张表、发到哪个部门。
The 5530 promotion form, director pledge, internal transfers, National Life appointment and E&O, plus which form to file for new business, service and withdrawals, and where to send it.