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The reason may be because those who do "want to work" already are. Those who don't want to are spending their time looking for that magic something that will bring clients to them without them having to spend any time doing it.
This job should be called "prospecting for insurance", not "selling insurance". Prospecting is work, selling is the fun easy part.
Run an ad stating that you are looking for insurance agents to prospect for clients and I'll bet no one answers. However, run an ad that says earn big commissions "selling" insurance and I'll bet you are swamped with applicants.
Very good point Frank.