Income Disclosure Statement

Effective Date: June 8, 2025 • Last Updated: June 8, 2025

Virtual Sales Pros LLC and the Giddens Organization are committed to transparency about income potential. This Income Disclosure Statement is provided in accordance with Federal Trade Commission (FTC) guidelines to give prospective agents a realistic picture of what participants in our sales opportunity earn.

Important: The figures below reflect actual compensation earned by active agents within the Giddens Organization. Individual results vary significantly based on effort, experience, market conditions, licensing status, and time committed to the business.

Average Annual Earnings

Metric	Amount
Average Annual Earnings (Active Agents)	$50,000

Important Qualifications

The average figure above reflects agents who were actively working during the applicable period. When considering this opportunity, you should understand the following:

These are commission-based positions. There is no base salary or guaranteed income.
Earnings are directly tied to the number of policies sold and the agent's persistence rate (how long clients remain policyholders).
Many new agents earn significantly less than the average during their first months while building their client base and completing licensing requirements.
Some agents earn more than the average; others earn less. The average does not represent a typical or guaranteed result.
Figures do not account for business expenses agents may incur, including licensing fees, exam costs, or other independent contractor costs.
Agents must obtain and maintain a valid state insurance license to sell products. Licensing requirements and costs vary by state.

What Affects Your Earnings

Income in this opportunity is self-directed and performance-based. Key factors that influence earnings include:

Hours worked: agents who commit more time consistently earn more
Sales activity: the number of appointments set and presentations made
Product knowledge: agents with stronger product understanding close at higher rates
Persistence: maintaining client relationships and minimizing policy lapses
Team building: agents who develop and lead a downline earn additional override income
Geographic market: some territories have higher density of qualified leads

No Earnings Guarantee

Nothing in this disclosure, in our recruiting materials, or in any conversation with a recruiter or agent constitutes a guarantee of income. Statements like "six-figure potential" or "unlimited earnings" describe the theoretical maximum possible under the compensation structure — not typical results. Your results will depend entirely on your own effort, skill, and business development.

Independent Contractor Status

Agents affiliated with Virtual Sales Pros LLC and the Giddens Organization are independent contractors, not employees. As independent contractors, agents are responsible for their own taxes, expenses, and compliance with applicable laws. This opportunity does not include employee benefits such as health insurance, paid time off, or retirement contributions from the Company.

Contact Us

If you have questions about this Income Disclosure Statement or want to discuss earnings potential before applying, please contact us:

Company: Virtual Sales Pros LLC / Giddens Organization
Email: tcrouchbusiness@gmail.com

This Income Disclosure Statement was prepared for informational purposes. It does not constitute legal or financial advice. Past earnings of other agents are not a guarantee of your future results. You should independently evaluate this business opportunity before making any financial commitment.