Please Forgive a newby for the question.... I am a new agent....just licensed about 3mths. Looking at the Health Insurance biz...and from my calculations....this is what it will cost me to be independant and sell Health insurance. MTH COST -$750 for leads (100 leads) -$150 Novax, etc About 1k per month total Average Policy sold=$300 mth My comm is 20%= $60mth Have to sell....17 policies a mth to break even? What am i missing?