question on going independant.

As hard as you are working now it would be easy to see you succeeding on the independent side. Consider P/C. Anyone who can make the phone calls you make every day - let's just say I'd put money on your success. I've been independent for a little over one year and doing well and I don't work near as hard as you do. Those who quote the most usually make the most money. Hard work and persistence goes a long way.
 
You close 1 in 4 but only have a 2% closing percentage? 2% of what? You said you make around 175-250 calls per day?

This all sounds like... fuzzy math...:cool:
 
To give you a realistic answer, Paul, the commission contracts available to you are much better as an independent agent. Sure you pay for your own leads, but I would suspect you are currently either hourly or on a 10-15% commission contract? Am I close?

What state are you in?
 
That's less than a 5% contract! Street level is 20%.

At street level, a 20% contract on a $300/month premium sale would pay you:

$480-$720 on an 8-12 month advance contract

or

$60 every month the insured pays his/her premium on an as earned contract (first 12 months)

Are you stating currently you would only get $150 on a $300/month sale?
 
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