That's not a market wide trend. That's the anomaly where the 1% of successful captives (the small amount who are actually making big money ..) have found an IA book for sale that they're rolling into their companies startup enhanced commission plan. I know Allstate pays 48% that scales down over time so yes...if you're a successful captive & find an IA for sale...it's time to open a scratch location and roll a book for a quick buck. That's not the norm, that's a savvy captive (yikes now that's an oxymoron!)
This does make a lot more sense, although I am talking about existing indy agents rolling established books into either nationwide or Allstate. It doesn't seem worth the time and effort to have to put in the 5 years into the contract in order to sell the book.