It's not 1M sales la... if I remember correctly, for 2016 it's about RM500k in collected premiums.

But you are correct, the income depends on the commission structure, some are 35%, some 25%, some 10%, some just dump their own money into insurance company's unit trust kaw kaw to achieve MDRT but commission 2% only.

Income/commission also different between the lowly agent to the agency managers, so can't guess the income unless more info provided .

There is no short cut in life. Anyway MDRT is supposed to be a branding for insurance agent but some have gamed it so that they are MDRT but no solid income one.

But those solid MDRT, 55% commission for leaders is RM275k (assume RM500k is the criteria for MDRT). That is still income level above many. Even for those first year agents who achieve a solid MDRT, income is about RM200k (40% commission). Not bad compensation for those who work hard.