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On a scale of 1 to 10, where are you?

When we started the company in 2009, we asked ourselves this question. It was our way of checking our commitment to—and appreciation for—our clients and agents. It holds us accountable to the highest standard possible.

Our answer was—and still is—10 out of 10.

Leadership • Compensation • Culture • Recognition • Partnerships • Marketing • Technology

For each of these critical areas, we ask ourselves 2 questions to help you grow your income fast and and build your business strong...

Where are you on that? And how do you get to 10?

Appreciation Financial Appreciation Financial

Appreciation is our inspiration, our attitude, and our promise to everyone.

With humble beginnings in a garage, Appreciation Financial first served some of the most underappreciated workers in America—teachers. Our focus has broadened today with thousands of agents and hundreds of offices across the nation, but our name continues to define our character. Everything about our people and platform serves one purpose—to make you an appreciated member of our family.

The 1 and 10 embedded in our name is a constant reminder of our commitment.

Commitment, excellence, and doing the right thing is a challenging standard. We use the 1 to 10 scale as our gut check. Asking each other where we are on the scale is our version of iron sharpening iron. We'll start by asking YOU now, on a scale of 1 to 10: How committed are you to your clients, to your values, and to the goals you've set for yourself? If you want the success that comes from accountability, you're in the right place.

It's the entire team's full commitment and constant gratitude that defines our company, culture, strength, and success. We make the people we serve feel appreciated, we make our agents feel appreciated, and we seek people who appreciate the magnitude of this opportunity.
- Terry Kennedy, AF Founder & CEO
People in a business meeting

Accelerate Your Success with Leadership that Scores 10 out of 10

Our leaders will be with you every step of the way. They're committed to your success. And when you commit to their coaching, you'll tap into a constant stream of training, encouragement, recognition, mentorship, and friendship—exactly what everyone starting and growing a business needs.

Leverage our leadership. Contact us to learn more.

Appreciation Financial

The AF System: Never Run Out of Leads or Appointments

Set just 5 appointments from your warm market using the AF System

Set just 5 appointments from your warm market

  • Access to Appreciation Financial's corporate client database

  • Pre-scheduled Zoom appointments with qualified leads

  • Training from leaders with years of experience in the field

  • In-person events in local school districts and your warm market

Digital Marketing To Build Your Brand And Prospect Everywhere

On the web, on social media, on presentations, at events, and in the office—you can launch your personal brand and create instant professional credibility with an unrivaled comprehensive digital marketing suite of tools.

  • Email Marketing

  • Leads & Appointments

  • Websites & Click Funnels

  • Social Media Management

  • Prospecting Videos

  • Online Presentations

Without credibility, no one takes you seriously in our industry. Our tools always impress—and that means people pay attention and prospects get excited. Our marketing rocks!

- Genna Whitmyer, AF Agent

Expand your team and business nationally with zero region limits.

  • Teams in49 cities

  • Serving teachers in over12,000 districts

  • Agents in all50 states

With elite financial products, worksite access, and potential clients nationwide, a career with Appreciation Financial is expanding the earning potential and long lasting stability of your income.

4 Value Principles that Define the AF Family

We pursue these ideals every day with C.A.N.I. (Constant and Never-Ending Improvement)

  • Perseverance

    Coachable and accountable, we have the grit to keep going when others quit, to finish the races we start, and to make it to the top together.

  • Ownership

    With the character to do the right thing no matter what, we take responsibility for our goals, our clients, and our team members.

  • Greatness

    All in, all out, all the way. That's how we play. By showing how capable, tenacious, and bold we are, we give others permission to do the same.

  • Empowerment

    We equip others with skills to be independent and strong. With each person we uplift and enable, we all become more powerful and free.

The Appreciation Family cares about the stories of our agents.

That's because we've witnessed so many of them unfold. Our leaders and agents have walked alongside each other through weddings, funerals, graduations, defeats, and victories. In an industry with so much turnover, our family stays, connects, supports, and celebrates each other.

What's your story?Contact Us—We want to hear about you...

One thing that's ever present in the AF community is recognition. If you love affirmation and appreciation for your hard work—you'll be delighted.

- Jim Hinton, AF Agent

A Culture That Elevates Recognition & Achievement

We believe the hard work of the Appreciation Family deserves to be recognized and rewarded in style. That means unforgettable award ceremonies and incentive reward milestones. It also means international trips and ongoing team events across America, each packed with celebratory acknowledgement for our agents—just like you'd expect from a family that truly cares about each other.

Reward Trips

  • $100k Getaway Trip

    This annual trip rewards team members with enduring memories and well deserved relaxation for their hard work.

  • Presidents Circle Trip

    Agents who earn $250,000 during a set qualifying period enjoy rest, relaxation, and adventure on this annual excursion.

  • 'See The People' Contest

    Agents, who follow our core model by serving clients in person and out and about, can qualify for our bonus contest.

Incentive Gifts

  • $50k Earner Brietling Watch

    When you hit $50k in a rolling 30 day period as an Appreciation Financial agent, you'll receive our prestigous first incentive gift—an exquisite Brietling watch. Join the ranks and wear it with pride.

  • $100k Earner Company Ring

    Agents who reach $100k of earning in a rolling 365 day period are awarded with our distinguished blue saphire company ring. Show it off and when it gets noticed, share your success helping families.

Events That Move Your Team Forward

  • Annual Conventions Celebrate and Remember for a Lifetime

    Annual conventions are for more than training, recognition, and strategy preparation for the next year. They commemorate our agents' incredible achievements and accomplishments from the past year and cement our goals for the next one.

  • Summits Throughout the Year and Throughout the Nation

    Four times each year at accessible locations, the Appreciation Family gathers for intensive training summits. You'll learn about products and services, licenses, leadership, success insights, entrepreneurship, and experience the power of our culture.