So I was about to become a captive agent yesterday with a company most of you don't like. I have never sold FE so I figured I need training. Why not go to a agency that does that? What's the point of me getting higher payouts if I don't know how to sell and service. They emailed me the contract and the kool-aid I had been sipping that tasted so good a day ago became a toxin.I knew I would be getting 80% and was ok with that. What I did not know was how much less I would be getting just for mode of payment 40% if they use a debit card. Is that normal?