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WOW! First post and already bitch slappin someone.
If you don't think enough of yourself to email everyone as if you were a professional you will never be one. If you go on a sales call with wearing a T shirt and sandals you will not close many, if any sales. Your appearance on the net, discussion boards, and to your prospects has to create an impression that you are experienced and know your stuff. If you write using no caps, and are not aware of how you appear on the net, better to get a job then work on commission against pros. Look at he emails the pros on this discussion board use. Not sloppy, not lower case, not high school. Remember you are an unknown and can appear as a highly successful agent if you only try.
Any time you use the net get in the habit, good habits. Doesn't cost anything, just puts one to the test of how they think of themselves. Good luck. And read the little Red Book of Selling, or You Can Sell anything By Telephone or any other book on how to sell. Many years ago, before you were born, the salesmen who lasted read How to Sell The Sizzle, Not The Steak. It still applys in today's market.
DO NOT go independent until you go back to school and learn all about punctuation, business writing, letter writing and email writing. You need to become a professional if you intend to be on your own. You are probably a fast learner so it should be easy for you to correct bad habits.
heres the deal. ive just started as an agent for an independant agency in town who has contracts with many carriers for p&c and life and health. currently it is a good deal because they take care of all overhead and i have no experience. all i do is prospect and close. my split is straight 50% on commission and renewals.
right now it works because i am barely building a book of business and couldnt afford the overhead of owning my own agency.
but at what point is it time to leave? how big of a book would i have to have to self sustain? i guess what im wondering is
1 - how good is this deal im getting? the better i get and the more money i make, obviously the less i need this person ... theyre getting 50% off my back
2 - for those here who own their own agency, how much of your gross commission/renewal goes to overhead? im trying to find that magic number. there has to be a number after which its all profit (for example ... it costs 100k to run your office, so after 100k, its all profit).
the 50/50 split works right now because she does everyting (employs staff, eo insurance, services policies), but im just wondering how much that is really worth. if i make 50k a year in renewals, i COULD be making 100k if i was on my own (or could i? would my overhead eat it up?)
basically im wondering whats more valueable .... giving away 50% not to have a headache, or being independant and keeping all of it (including the headache of running everything).