Here are a few reasons that most agents fail. Feel free to add your own. Many agents think that they really are agents. Look up the legal definition of "agent." Then realize you are a “salesperson.” The only thing that you get paid to do is to sell. The way that most insurance companies and their agencies teach agents to sell benefits the companies and their managers far more than it benefits the agents. You frequently hear about top producers who earn huge commissions. What you are not told is that, with the exception of managers, the average gross earnings of all agents is about $45,000 per year. So, after struggling for four or five years it is unlikely that most agents that survive will be highly successful. You also are not told that most really successful agents have spent their own money on excellent sales training and have years of sales experience. Most agents who fail never learn a complete, modern sales process. So they get stuck doing ineffective things like cold-calling, need analyses, showing prospects their pain, preparing proposals, persuading, and convincing. All that, while trying to get poorly qualified prospects to buy. By the time most agents realize that they need sales training, they have no ability to pay for it.