Vested means YOU will continue receiving your renewals as long as the premium is paid by your clients. SO, how long do you have to be with a company before you are VESTED? Some companies take 2-10yrs while other companies NEVER ALLOW YOU TO BECOME VESTED, is this fair to your family? Leaving a legacy to your next generation is what we focus on, therefore our agents are VESTED day 1. We believe that because YOU were working hard to provide for your family, the money should continue to your family.