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[quote]A 55-75% expense ratio[/quote] Absolutely. If you’re maintaining yours is better then I doubt you’re telling the truth about your agency. Unless you don’t have an office, employees or do any marketing....

[quote]How many customers don’t care what they are purchasing and don’t want to be educated, they just want the cheapest policy because it’s all the same in their mind? [/quote] Never had a client complain of having too much coverage or low deductibles when a claim occurred. But they always swor...

[quote]That helps, thanks! Based on what I am learning this might be my route. I Like the idea of building a local base and my personality relates well with seniors Ive learned. Im also in an area with an aging population and lower income (smaller town near CLT) and can deal with the slow start wit...

[quote]What is the comm structure like for med supps, roughly? I have a friend who started a few years ago and I think he was telling me he was getting 20% years 1-5 then 0-2% years 6+. I could be way off on that though. How is persistency? Do you still have people from year 1-2 with you? Is the g...

This is my 6th year independent. I work primarily T65’s so I’m mostly face to face because it helps retention though I do some business (referrals and xfers) over the phone. Probably 75% in person outside of AEP. It’s definitely something you can do part time and keep your day job, unlike P&C. ...

[quote]Exactly. A 10 million dollar book is generating 1.1-1.5 mill in revenue annually[/quote] But you’re netting 25-45%. So that’s like $675k on the high end, $275k on the low. And that’s at least half a dozen employees, 6 figure marketing budget, and a 5k lease. You can do that as a solo Medi...

Life, yes. Health? No. Health is renewal based just like P&C. Medicare and ACA are probably easier and quicker to make +$250k. P&C may have a higher ceiling but it’s harder and requires a lot more time and capital. You can make $250 to $500k as a health agent working out of your home. To ma...

Patriots beat the Rams 13-3. Beat the Seahawks on a pick in the endzone. Brady had all of 145 yards and 1 TD in his first Super Bowl. So, the “Mahomes has the defense to thank for this one” would take away at least half of Brady’s if applied equally....

Seems to me if you believe the NFL is scripted you should put all your money on the Chiefs and retire comfortably. Otherwise you’re just yapping and don’t believe what you’re saying. Also, the Super Bowl is 2 days away and the only threads about the Super Bowl are about Taylor Swift. So yall ...

It isn’t “that simple” whatsoever. First, you are making up your own definition of “cost of production”. Second, labor is subject to the same laws of supply and demand that all other goods are subject to. Low wage labor is low wage for a reason, the jobs require little to no skills, and there is a...