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Unlike LH, it is difficult to get appointed with many of the best P&C carriers. They are quite selective in certain areas to avoid over saturating areas with too many agents but they want to see significant production.
Would you say thats something a "good" agent can overcome?
Or is that something where some areas just are tough if barriers to entry (market access) too high?
When I considered P & C before it seemed like a real kinda catch 22. Production or no market access. So kinda hard to start independent. I was not interested in starting captive. Maybe I didn't see a good path for me.