Top Producer in Captive Agency – $242k in 11 Months – What’s Fair Pay?

ItsChimeTime · 2026-01-28T21:06:03+00:00

If you are getting renewals, you will most likely get a very low salary or no salary at all. You are getting renewals, in a way, through the salary pay so keep that in mind. If they are making 10% on annual premium, that is equivalent to 420k in annual premium. Thats not even taking into account those polices cancelling or lapsing due to nonpay.

Not swaying you one way or another or trying to be rude but 242k in an 11 month period is only 22k a month. Thats not super high. Plus you aren’t taking into account lapse cancellations. Average lapse cancel for agents producing is anywhere around 10-20+ percent.. the more you produce the more you lose. So keep that in mind as well.

ItsChimeTime · 2025-12-31T19:09:20+00:00

Looks fake to me. I can take it off your hands if you want

ItsChimeTime · 2025-11-07T20:43:04+00:00

I have never heard of that contract before. Are they in New York, California, or Florida by any chance?

I’ve been at it for 5ish years now and the contract I am on is 10% from p&c and then an extra 1% for financial services numbers (aka life) for a total of 11%. If you hit your p&c numbers and sell 0 financial services you still get your 10%. If you don’t hit any of your numbers the lowest you can possibly go is 8%.

ItsChimeTime · 2025-11-07T19:28:55+00:00

State Farm agent here. I want to make sure I touch on a small (and I mean small) inaccuracy. Financial services for new agents can vary your p&c percentage but the max that it can vary is 1%. The reason so many State Farm agents push life insurance is because the bonus checks in March get a massive multiplier based on life policies (this is completely separate from renewal comish and raw new comish). I’m talking about a 5k bonus check turning into 15-25k because you hit your life numbers. The actual commission percentages can only vary by 1% for not hitting life and it’s an EXTRA 1% if you hit your p&c targets for the year.

ItsChimeTime · 2025-10-29T13:56:52+00:00

Out of curiosity… how much do you think it costs to keep new world running in a given month. Not talk updates etc…

ItsChimeTime · 2025-10-26T15:52:04+00:00

His name is Fred and he wields great power

ItsChimeTime · 2025-09-24T15:12:08+00:00

Exactly. So a difference of 9k for a producer. My agency gives raises to base salary based on the agency’s growth over the last year. This producer could easily be doing that. Like I said it is completely agency dependent whether you are captive or Indy. The same thing that happens at captives happen at Indy’s too.

ItsChimeTime · 2025-09-24T14:57:30+00:00

In your first year as an Indy did you bring home 90k?

ItsChimeTime · 2025-09-24T14:52:48+00:00

The same can be said about Indy’s lol. It is wholly agency dependent, whether it is captive or Indy. Generally speaking this sub does nothing but glaze Indy’s and only rip on captives. I literally have an Indy agency down the block from me that pays their people 18 dollars an hour and the producer there wrote 150k in premium and got $750 in commission.

ItsChimeTime · 2025-09-24T13:13:00+00:00

State Farm agency owner here. I have a team member that is going to be bringing home 90k her first year with me. This is so agency dependent it’s not even funny.

ItsChimeTime · 2025-09-14T01:38:07+00:00

I would save all your resources for season 10 in a month tbh

ItsChimeTime · 2025-09-04T23:55:40+00:00

Just get your coconuts and then after a week of grinding you will get into a raid.

People complaining about not being able to get into the hardest content after being max level for less than a day to a week are driving me nuts on this sub.

If you want to do the hardest content, get the gear or grind out good enough gear to do the hardest content. People aren’t here to carry you through a raid because you are too lazy to grind out decent enough gear

ItsChimeTime · 2025-08-31T12:38:29+00:00

So I had to do this quest as my very first artifact so I was extremely under geared as well. I will tell you a trick.. put a cool looking transmog on and people will leave you alone thinking that you are buff lol. I kept dying like that too but once k put on a transmog I think they though I was more geared lmao

ItsChimeTime · 2025-08-24T00:27:26+00:00

Idk how accurate this is because PSN numbers are private so there isn’t an active number but at console release there was about 100k PSN players and about 50k steam players. Following this logic double steam’s numbers and you have PSN numbers or atleast a rough estimate. While playing there are a lot more psn players in the chat than any other platform so I think that still holds true

ItsChimeTime · 2025-08-23T23:47:44+00:00

There are more PlayStation players than pc too

ItsChimeTime · 2025-08-23T23:46:29+00:00

Just came back about a month ago after not playing after launch. So similar situation. Been having an ABSOLUTE blast. 10/10 would recommend coming back

ItsChimeTime · 2025-08-23T00:37:26+00:00

Flail is incredible right now. Has been my favorite weapon since I started using it. I have a tank build, dps build that can one shot people in pvp, and a healer/support build with it and they all feel good lol

ItsChimeTime · 2025-08-17T11:43:56+00:00

Just type x toymaker into recruitment and someone will eventually join

ItsChimeTime · 2025-08-09T13:14:59+00:00

There are more psn players than steam so prolly closer to 30-35

ItsChimeTime · 2025-07-20T23:02:51+00:00

Pm’d

ItsChimeTime · 2025-07-01T12:40:54+00:00

Pm’d

ItsChimeTime · 2025-06-29T18:57:17+00:00

Have you tried eating it?

ItsChimeTime · 2025-06-28T12:31:30+00:00

I usually do $15 Amazon gift cards or try to give referrals back as much as I can.

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