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3.) Lastly...if there is no way to get at 100%+ commission working directly with the insurance carriers ....what IMO would be best to link up with where I can bring other downline agents in at whatever % I wish?
100%... of what? Everybody is so concerned with the % that they forget the $ behind the %.
Which would you rather have: 100% of $1,000?
or
80% of $50,000?
Of course, it all depends on your focus. You did say final expense and medicare supplements.
Here's my best business advice: Prove that you can do it yourself. If the current IMO or company won't pay you more... you can find somewhere else that will based on a proven track record. Just like anything else in life, you have to pay your dues. If you can be successful right out of the gate, then your "dues" is a little less compensation while you prove yourself. If you're NOT successful out of the gate, your dues will be everything else you learn until you figure it out... or you go another direction. If you can't do it, then you probably shouldn't be recruiting agents to learn from you either.