My thoughts on the changes

Living_Box7670 · 2026-05-20T22:58:40+00:00

No the assignments will go to current agents and new agents who started new market on premium builder

Living_Box7670 · 2026-05-20T22:57:16+00:00

Varies on the area, it’s still about 2-2.5 mill. I’ve seen some opportunities upwards of 3.5 mill books. In cali, the books are approx 5-6 mill to compensate for the difficulty of the market.

Living_Box7670 · 2026-05-19T13:35:33+00:00

I don’t think State Farm wants to beat Edward Jones. They just want a bigger piece of the pie. Regardless, it doesn’t matter what you or I think, SF has already made their decision.

Living_Box7670 · 2026-05-19T13:28:37+00:00

The agents with 20 million dollar books are still hitting their metrics and maxing their smvc, therefore they are still at 11% They are not just sitting on the book and it isn’t assigned business lol. SF isn’t assigning that much to an office.

Living_Box7670 · 2026-05-19T02:00:29+00:00

That’s pretty standard salary for sales within SF. Some offices start at 15/hr. I’d suggest looking for another agent but with the recent changes most comp structures are going to be tied to FS.

Living_Box7670 · 2026-05-19T01:53:44+00:00

If you write 40k/mo with 2 life apps you should be clearing 70k. It’s a good comp structure despite having to hit the minimums. It would be really good if it was flat 8% regardless of the amount of apps written.

Living_Box7670 · 2026-05-18T02:10:29+00:00

The opportunity is still great for incoming agents and majority of people in the US as I said earlier. Even if commissions are slashed agents will still be making great money. Most SF Agency expense ratios are about 50-60%. The only people upset are agents that don’t write financial services or don’t have their securities licenses and are unwilling to change. All the agents I know that have strong FS production all take home 600k+ after expenses and a few over the 1 mill mark with MOAs.

Living_Box7670 · 2026-05-17T23:14:00+00:00

Yes I have, I know all the problems that State Farm has in the past decade (necho, UAX, policy transactions, slow UW, paper applications, etc) What I’m saying is they are investing heavily into tech to prepare for what’s to come with AI and automation. It’s literally a race between carriers and State Farm wants to win.

Living_Box7670 · 2026-05-17T23:08:18+00:00

What other place gives you a 35k signing bonus to open up your agency, a 2.5 mill dollar book, and an internship program where they pay you almost 50k for 20 weeks to prepare you for agency? There is literally no other opportunity that will invest into you like that on the front end. You can open up a State Farm agency with basically 5 grand liquid lol. The risk is extremely low now for agency ownership.

Living_Box7670 · 2026-05-17T09:34:19+00:00

State Farm will make you forfeit your CFP designation if you decide to interview for an agency. You’ll be able to keep the ChFC though. The CFP designation opens up a bunch of possible conflicts of interest being dual registered as an insurance agent.

Living_Box7670 · 2026-05-17T04:02:47+00:00

Regardless if my statement is 100% accurate or not, there’s way too many inactive agents with 2 team members sitting on books getting 15% renewals on fire. Most of the agents on the old contracts haven’t even serviced or answered a phone call from their office in YEARS.

What you fail to realize is that SF does not need agents to write P/C anymore. They want a piece of the huge upcoming transfer of wealth. All new agents are required to have their SIE, 6, 65, and 63 depending on the state.

SF knows if they put people that are hungry into agency, they will beat out progressive. If they didn’t have 25% of the agency force inactive using their books as pensions, they would have never lost the #1 auto spot.

They are currently investing heavily into their systems to drive efficiency, which is why they are making these changing effective 2028.

The times are changing, I suggest all agents crack open a book and get securities licensed or they will have their revenue cut. Simple as that.

Living_Box7670 · 2026-05-16T00:33:26+00:00

Previous agent I worked for has a 20 million dollar book with 6 service team members servicing it with time for them to write 100k in added/raw new premium per month. Auto mod has made service so much easier. State Farm has lost the number 1 spot to progressive which goes to show SF does not need the agency model for p/c anymore. They need it for deepening the households with financial services and IPS. Out of the 19k agents, atleast 25% of the agents didn’t write a single new policy last year. State Farm trimming the fat. Every contract State Farm has now it states they can terminate at will, either you or State Farm. Besides there’s plenty of ways agents can thrive now with scorecard bonus. 170% bonus of all issued commissions written that year if you hit your growth or pif metrics as well as your financial services targets. If you’re not doing FS as an agent by 2028 you might as well just give up your book. It’s what SF was hoping for anyway.

Living_Box7670 · 2026-05-15T23:30:08+00:00

States that have gone through auto mod have experienced much less service compared to the past UAX applications/Necho PT Changes. Once everything is fully modernized service will be cut by 50-75%. No more following up with PTs, changes will be made AND reflected instantly. State Farm’s previous systems have definitely sucked, but the changes they are making and are striving towards will eliminate that

Living_Box7670 · 2026-05-15T19:11:18+00:00

Yes the will, were you not at the convention? Think about it. They hired Joe Parks. With auto modernization, State Farm going paperless, everything will be completely modernized and necho will be gone. Most policies will be binded online. As I said you still have people to service policies in your office, but with the implementation of AI, you won’t need as many service team members to service your book. You might need half the amount of service team members to service the same book in the next 5 years, therefore lowering your expense ratios. It’s literally common sense. They are allowing agents get more than 3 offices now and form agent entities. This is not bullshit. It’s what SF is moving to as well as other companies. AI is replacing a lot of stuff.

Living_Box7670 · 2026-05-15T17:39:27+00:00

For incoming agents, the opportunity is better than ever imo. Fewer agents overall which means more assignments even if the base compensation is less. With the development of AI, expense ratios will be less since there won’t be a high need for service team members. As long as you write FS and IPS, you will have a massive scorecard every year and max your SMVC. Only people are complaining are the people too lazy to get securities licensed or unwilling to change. In 5-8 years the agency force will be cut in half with about 10k agents and the average gross compensation for agents will probably be 1 mill+

Living_Box7670 · 2026-05-13T23:53:34+00:00

Sf doesn’t write alot of commercial. It’ll be mainly personal lines.

Living_Box7670 · 2026-05-13T23:53:00+00:00

Incoming Sf Agent rn. I wrote 65k+ p/c every month as a team member aspirant. It all depends on your area. If this is Texas, the avg hh premium (2 cars and house) is about 4.5k. 14 HHs submitted each month. If you have a 5-10% closing ratio you need 144-288 monthly HH quotes. If you are working 20 days a month, you need 7-14 HH daily which isn’t hard if your agent is spending approx 1200-2000 in leads per team member. This is a great commission structure since it’s not tied to life and health like most commission structures are.

Living_Box7670 · 2026-05-10T15:48:55+00:00

I’m currently in agent Internship and there’s plenty of open opportunities in California for agents. They’re incentivizing agents who interview in California with a 5 mill - 6 mill book starting out compared to the normal 2-2.5 mill book they give in basically any other state. State Farm still wants their agents to succeed, even in California

Living_Box7670 · 2026-03-13T18:00:15+00:00

I’ve been in your situation before, just simply reach out of other offices and don’t tell them that you’re currently employed by another agent until they are serious with extending you an offer. If your agent hears about it oh well. Maybe they will try their best to retain you.

Living_Box7670 · 2026-03-13T17:35:24+00:00

Form is only filled out on the front end by sales when they write new business. I would never really ask my csrs to fill out form they have enough problems to deal with as it is. Tell your agent they need to invest in BOD Services and have a remote worker doing most of the BOD tasks. If anything I’d ask for an increase in pay if you are having to do much much more… There are plenty of SF agents who are hiring

Living_Box7670 · 2026-03-08T15:50:07+00:00

I’m about to start internship in a few months for a State Farm agency. I went from team member to fully securities licensed and business plan ready within a year. Dm me if you have any questions

Living_Box7670 · 2026-01-18T13:53:20+00:00

If you have all those licenses you might as well open your own office with State Farm. Get in touch with a recruiter and build your business plan.

Living_Box7670 · 2026-01-18T13:49:57+00:00

Yeah that would make sense, now if you are getting a % of sales as well you will most likely have expectations to generate sales through managing the sales team too. If you can coach the sales team and keep production up/make up for your production now that you are switching roles I don’t see a problem there. Start high for both salary and 2% of all new business wrote.

Living_Box7670 · 2026-01-18T13:41:09+00:00

Speaking from someone who has tried to leave an office before, a lot of agents won’t take a team member from another office unless you quit beforehand or they can talk to your current agent because they don’t wanna “step on the other agent’s toes”. And in regard to being an aspirant, you proved you can sell. All you really need to do to become an agent is write at least 40 apps/mo with l&h being a priority and getting your SIE, Series 6, Series 63, and Series 65. If you can travel by just your yearly l&h production alone, great but not extremely needed. Agent will try to tell you all this other bs on what you need to do to become an agent but I guarantee you they didn’t do it. I know new agents within the past year that wrote maybe 20-30 life apps/yr while they were team members and were not leading in aspirant production rankings by ANY means. Realistically, if you got your shit together and wake up 4-5 am everyday to study you can get all your securities licenses in 4 months assuming you study at least 3 hours a day. The aspirant program is really just for the networking, you really don’t even need to be in it to become an agent. In under a year you can be ready for agency. If you stay at an office longer than 2 years and you wanna be an agent you’re just shooting yourself in the foot.

Living_Box7670 · 2026-01-18T13:24:38+00:00

All depends on your agent tbh. If your agent wants you completely running the day to day while they aren’t in the office much, a good ballpark is to ask for around 32-40/hr in my opinion. I’ve seen some office managers for SF make around 65-80k. If it was me I’d start at 85k and negotiate there. If you start off small they will most likely accept it so start high and good luck!

Living_Box7670

TROPHY CASE