I think this refutes the idea that insurers are out to get agents:
"Based on insurer reported information, spending on "agents and brokers fees andcommissions" increased $2.4 billion to $6.9 billion from 2018 to 2023 – a 19% compoundaverage growth rate (CAGR). By comparison, over the same time period spending on "directsales salaries and benefits" increased from $1.5 billion to $2.2 billion, a 7% CAGR."
"Based on insurer reported information, spending on "agents and brokers fees andcommissions" increased $2.4 billion to $6.9 billion from 2018 to 2023 – a 19% compoundaverage growth rate (CAGR). By comparison, over the same time period spending on "directsales salaries and benefits" increased from $1.5 billion to $2.2 billion, a 7% CAGR."