Independent Agent vs Captive Agent

[vic120]

I'm an employee for a company that sells life insurance, I get a base hourly pay with commissions as a bonus monthly. However last year that all changed since the company wanted to save money so instead of at least giving a 30% commission on small production, now it is 0% with goals that are 200-300% higher than before. Imagine the quota being 6650 a month and then it jumps to 14,000-18,000 and if you don't hit 50% to goal you don't get 10% of what you wrote. They got greedy. Hence why I'm looking to leave and why I don't care if I'm hurting them by writing business as an independent outside of their business and then leaving.

Sometimes these changes can be the best thing for us

I used to work at a call center, Selling Maj med, and some MA plans, They switched to selling indemnity plans and cut commissions to all good products took away residuals from good products to move agents to sell bad more profitable products

It was the motivation I needed to make a change that led me to where I am now, had that not happened I probably would not have wanted to chance to lose my residuals to make a change