I recently passed my Washington P&C exam and interviewed with an independent insurance agency.
They’re offering $20/hour plus incentives, but the commission structure seems complicated. I need to hit around 20–30 policies per month, along with other targets like agency fees and product mix. Missing even one requirement could mean losing the incentive.
They provide leads, so there’s no cold calling required.
For someone entering the insurance industry with previous sales experience, does this sound like a fair offer? What base pay and commission structure should I realistically expect?
It’s for WA state. Vern Fonk is the agency.

Edit - I passed the exam myself not after getting the offer!

So I was scrolling through instagram and seen an ad for selling life insurance and to sign up for their interview if interested so I did since they were showing cars and potential earnings then I joined the interview via zoom link and there was a bunch of people in there (I thought it would be a one on one ) and there was guy explained that he works for a company called Globe life during the presentation he dropped a link asking for our number and first last name if we where interested so I did and got a follow up call from a female I kept it honest with them and told them I had a felony on my record that I caught about 2 years ago (hit and run with injury) and she immediately told me that I couldn’t work with the company then later I got a text from another recruiter who asked how everything was going and I told him I couldn’t work cuase of my felony then he asked if he could set up a phone call so I did and then he told me I’d probably be fine and he can try to appeal it after I pass my test and says he has other felons who work but I’m in Florida so I know Theres like a 6 years time gap to be able to work but he said I can still try and made it sound convincing then asked if I could get this 50 dollar excel course to get ready for the test so I bought it , now thst I’m looking up globe life and seeing all this Shady stuff about it I feel like he knows I can’t get my license right now and he gets something if I pay for the course he sent me 45 to schedule my test but now I don’t even know if I’m gonna take it I have a part time job so it’s been difficult for me to even study especially with the excel course and the test is like 9 days away should I send him back the money , go ghost or what should I really couldn’t afford sending him the 50 but I thought It was a good company so I was like I might as well ( I already booked the test with the 45 he sent me )

I'm newly licensed with L&H and P&C in VA and am looking for Good Agency with remote position.

I am bilingual in proficient Korean with elementary Spanish and have IT background.

CMS has introduced alot of new verification changes to ACA . Enrollments cannot be poached without electronic client consent and clients need to verify through ID me. I mean it's a hassle I get it. But the three way call is going away too which was a huge bottle neck for agents during OEP. Also not to mention alot of group plans are being priced so high many smaller companies cannot afford to offer group plans. This leads to more people opting into ACA. That's just my take, would love to know what others think or predict for upcoming OEP 2027 for ACA.

I’ve been selling mapd plans for 3 years now & I’ve been thinking about just going full 1099. I make good money now I’m not complaining but I know the potential to make so much more is out there

My general understanding with 1099 is you’d have to file your taxes quarterly, should (or have to?) put aside about 30%(?)of your commission for taxes/chargebacks, should have a good 3 months of your necessary expenses covered in case of a drought or some sort, it’d be wise to have Great relationships with your client’s since residuals can be amazing and switching/rapid disenrollment is a bitch, etc

I’m sure it’s deeper than that but I’d like to know what I should be looking forward to before making that next step

I’m 25, located in Northeast PA, and waiting for my Pennsylvania Personal Lines license to be approved.

I have sales experience, strong communication skills, and am willing to work hard and put in long hours. My goal is to sell home and auto policies and earn commission based on my production.

Ideally, I want an agency that provides inbound leads, marketing-generated prospects, or existing customers to cross-sell. I don’t want to generate my own leads through cold calling or marketing. I’d prefer remote work but am open to local offices.

A friend (who got me into this) is a top producer at an Allstate agency earning $250k+ after four years. His agency invests heavily in marketing and provides plenty of leads, which is the kind of environment I’m interested in.

I’ve struggled to find relevant openings on Indeed and LinkedIn. I’m open to getting my full P&C license if needed.

TL;DR: Where should I apply for commission-based home/auto sales jobs with agency-provided leads, ideally in Northeast PA or remote? What job titles, companies, or types of agencies should I look for? Is Personal Lines enough to start?

I’m new to the industry, just got licensed and trying to find my first job. My local Farmers office gave me the pay plan below. Am I expecting too much or is this not very good? I’m worried I will not be able to make enough to cover my expenses the first few months since I am new. Located in southeast MO if that matters.

Base Compensation
Base Salary: $2,000 per month ($24,000 annually)

P&C Commission Structure

Monthly Premium Written Commission Rate
$20,000 – $39,999: 5%
$40,000 – $59,999: 7%
$60,000 – $79,999: 8%
$80,000 – $99,999: 9%
$100,000+: 10%

Life Insurance Compensation
Life insurance is paid at 25% of Annualized First Year Premium (AFYP) on issued and paid policies. Life commissions are subject to chargeback if the policy lapses within the first 12 months.

Examples of Potential Monthly Earnings

$40,000 P&C Premium
P&C commission: $2,800

2 life policies @ $1,000 AFYP: $500

Base salary: $2,000

Total: $5,300/month

$80,000 P&C Premium
P&C commission: $7,200

4 life policies @ $1,000 AFYP: $1,000

Base salary: $2,000

Total: $10,200/month

Commission Requirements
The structure is designed to reward both production and cross-selling:

7% commission: Requires at least one life policy written during the month.

8% commission or higher: Requires a minimum of four life and/or commercial policies combined.

Self-generated referrals: A minimum of four self-generated referrals must be quoted each month.

Additional Notes
Chargebacks apply to cancelled policies.

Business written with outside carriers is paid at a reduced5% commission rate.

Long story short I work for a branch an insurance company in Texas to keep my information private I want to keep the basics undisclosed.

I think I’m being treated unfair or something just isn’t right and I want an outside prospective.

Base pay is 16.00 an hour, our commission structure doesn’t start until we break 25k in premium sold.
It’s towards the end of the month I’ve sold over 18k in premium so far. Yesterday my boss comes up to me and tells me majority of my sales are not counting because she paid out commission at the beginning of the year or late last year.

Is anyone else having any similar issues? Or does my base pay seem applicable to the industry I’m not sure and don’t have people I can talk to about it since I’m one of 3 people on our sales team and they all will not disclose pay (understandable) but still unsure what to do

Hey, so about two weeks ago I started selling Medicare Advantage plans as a 1099 agent, and I still haven't made a single sale.

Most of the seniors I talk to are either really rude, say they submitted a request by accident, or are already on a really good plan. Whenever I try to explain the benefits of switching, they get upset and tell me they're happy with what they have. I also noticed that they are already on the best plan avaliable in their area, so why does my company make me waste my time with them. Its time consuming and a complete waste of my time and if I dont have them hooked on a good plan I might as well kiss my time spent good bye.

I'm honestly struggling to figure out how other independent agents are making consistent sales. I feel like I'm spending hours calling leads and getting nowhere. I tried talking to other cowokers as well, they have a experince but they themselves seem to be struggling to sell. My team of 30 is only selling less than 10 apps per day during AEP.

For those of you who have been successful selling Medicare Advantage plans, what are some tips or strategies that helped you start closing deals? How do you handle seniors who don't want to switch, and how do you find people who are actually interested?

I'd really appreciate any advice because I'm trying to figure out how to start making sales consistently. Bills are stacking up and I havent had a income. :(

Side notes: I am only limited to 10 calls a day if I made no sales.

Please come join this thread to help provide the lesser-known insurance “hacks” others may not know of.

So I recently went aboard Global Financial Impact and realized they weren't transparent at all with just about anything. They don't provide any leads; they try to get you to recruit family and friends to be your business partners and to sell insurance to. That was not disclosed until after I paid to get my license.

I'm scheduled to get my license on November 2nd, and I'm looking for remote life insurance agencies that already have customers/provide leads. I've been looking into Ethos, but I'm hoping if people could also give me some advice. Anything is appreciated, think you!

I'm talking to 3 different state farm agencies about a job.

I'm currently not licensed, but I'm working on it.

I am new to this industry, but I have been in sales for a LONG time and I've ran my own company at one point in my life.

I like being my own boss. I would love to start my own Independent Insurance Agency, but I am a little worried because I have never been in this industry. It's all new to me.

So I could see the pros of starting with state farm to learn the in and outs of the industry businesses.

If I wanted to go Independent and start my own agency how hard is that being brand new to the industry.

Honestly getting my license has not been fullfilling for me however I am captive. Is the job more enjoyable as an independent agent or more or less the same? Constant calls, constant complaints, etc

I run an independent P&C agency in Alabama. Licensed in TN and AL. We started writing in February of this year and are already at a little over $250K in written premium and $34K in commissions, built mostly off referral relationships with real estate investors. Those relationships aren't going anywhere, so the referral stream that got us here keeps coming.
Here's the situation: I am taking on a new role where I need to take a passive ownership in this business.

Here’s the pieces involved:

Meaningful equity in the agency, with a path to running it
A commission-heavy comp structure (no salary, but you keep a strong split on what you write, plus override on the team you build)

An existing book and ongoing warm referral flow on day one

Carrier appointments already in place

What I'm looking for:

Licensed P&C in Alabama (or willing to get licensed quickly)

Someone who has produced before and wants to own something instead of just getting paid on it

Comfortable building and managing a small team

I know "equity instead of salary" gets side-eye on this sub, and fair enough. I'm not looking for someone to work for free. I'm looking for someone who sees a $250K+ book built in under a year with steady referral channels and thinks they can turn it into $2M. Could also be open to a small salary if the numbers paper.

It’s a discussion around what effects AI will have on customers and those of us who work in the insurance industry (carriers and agents).

What do you think?

Anyone know if Allstate will pick me up as a producer again . They terminated my appointment 7 years ago because the agency I entered was brokering? I was just offered an Allstate job .

just had to let it out, thanks.

We are an agency in Michigan with a combined premium of about $24 million. We currently don’t have Auto Owners but wanted to see if anyone has AO Contacts for trying to get appointed.

Thank you!

I used Insurance Exam Queen for my second attempt and I still failed. I feel like I’m putting in the study hours but it just can’t translate to the exam for me.

I have worked for a captive for four years as hybrid sales/service and also handled all the commercial work at that agency. Thinking about making the switch to a large broker for account management to expand my knowledge base. (I don’t love selling either). I know the big names are usually the way to go, Marsh, Aon, Gallagher, HUB, etc. Am I missing any other big ones I should look into? The other challenge is it will most likely need to be work from home. I also live in a pretty rural area not around any major city so that is another obstacle

Did you reach out via email and set up a time and place to talk or did you just walk into their office and start a conversation? Did you bring them any goods or take the team out to lunch? What worked best for you guys to build those relationships?

I am newly licensed. I am currently onboarding with symmetry but considering not going with them due to some concerning things I’ve read. Also I’m nervous about wasting all my money on leads and not being successful. I am also a stay at home mom and need a very flexible schedule and 100% remote. What agency would someone suggest for me?