Posted many times on the old board, but this is my first post on the new board. I received my license in December, and I'm ready to take the plunge. Understanding that I intend to be indpendent, I realize that I should spend some time in the field working for another company first. Have been looking at Banker's Life, or Union Bankers, any feedback about these companies? Rip off report has only one complaint on Banker's Life, and none on Union Bankers. Looking for 3 to 6 months of experience. Also, how do renewals work, I read about them all the time on here, but can't recall anybody ever giving a percentage or dollar amount on them. A $4000.00 policy at 20% pays $800.00 commission, but what is the typical renewal amount on that transaction for the second year, and beyond. Are renewals paid as earned, or in advance. Just trying to put a budget in place. Thanks to this Forum, and the great people on here, I am looking forward to getting started.