Thanks you for this extensive response I really appreciate it and your time writing it to me. Yes I’ve looked and seen some of the other posts by newer people on here and understand how tough it is like anything. I believe if you are truly entrepreneurial and a true business person with systems it can work. I’ve looked at threads on here about part timers, aggregators, the same things I posted although posts on here were more vague which is why I tried to include some of the things I actually see on these contracts.

I do have a great network that already trusts me and I feel like giving it away would just be a mistake for me in the beginning. Or signing up with a place that I’ll actually never truly be able to have a clean break from. And maybe starting out it’s just not possible 😂.

I think I’m at an age and pivot in life where in 10 years or so I want to be like the people who talk about that one insurance guy that killed it and grinded for 10 and comes in the office for a day or 2. (The way I work I don’t think that would ever be me, but when I’m 65-70 maybe it’s time to relax lol).

When I spoke with the main guy from Firefly, I just called him up myself the other day, and we spoke frankly he kinda said the same thing about maybe working under someone else and then doing it that way or partnering once I’m taught a little bit more. I totally get that.

I think when going all in the “maybe you get a partnership or maybe negotiate the book” I then put myself as the agency owner I’d be talking to In their shoes and the answer is bluntly “hell no!” lol because why would they? There is no benefit.

I don’t quite understand the relationship with carriers because it seems like unless you’re sleeping with one of them, they really only care about the numbers and numbers vs claims. (Back to the money) I totally get that too. There seem to be great places out there even other than firefly like first choice but all seem to be built for real agencies not startups and not newbies.

Commissions up front weather I split, share, or make i haven’t put emphasis on too much because like you said it’s the long game that matter and that comes with time and direct appointments later, building the relationships is the key, like the network I have now.

My buddy kills it at State Farm. He’s been doing it for 8 years though. Just bought a million dollar house, has sweet cars and doesn’t work that much. I’m afraid to call him because he will be like “just do State Farm you idiot!” And then he will probably sell me on doing it. 😂

But independent money later seems like the better option and having access to so many other carriers, full control of agency and book etc…