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Insurance noodle is better for the Allstate/farmers agent who wants to sell on the side.
and void their contract and get terminated.
Splash: Big Red is a cluster. He is the only cluster that offers P and C. He is the definition of a cluster. The all knowing cluster. An oracle to boot.
Joining a cluster is one of the most most complex decisions to make. It will be a decision that affects you for a very long time. As with any other decision do research on what the group can offer you. I find that the code of ethics and how they moderate your agency is one of the more important topics rather then just focusing on markets and commission percentages. Do they accept each application with your best intentions in mind or do you they just want to fill a premium volume requirement? Will they thoroughly review your application? etc...
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Clusters that openly state their code of ethics and mindset on members is a great sign!!! UNITED VALLEY is a great example look at their website and code of ethics part!