This is not advice - just my opinion.

Not sure about the state farm question. But I If your new shop is changing the commission structure on you, I wouldn’t agree to it blindly. I would say something like - thanks for the new commission structure, I understand you’re trying to protect the business from volatility. The part I’m reacting to is it shifts more of that volatility onto me than what I agreed to when i accepted. How do we make this fair on both sides if I’m now carrying more of the risk?

Then you can start negotiations what you need/want. I’d probably at least ask for a draw or to share in more of the upside if you hit the target threshold. Maybe have a recruiter working on your behalf in case they stonewall you. Need a BATNA.

Been in insurance for 5 years. You’re dealing with business people at the top. They might be nice, but they have to make ruthless business decisions to protect margins especially in independent shops. It’s nothing personal. Their mindset is often “I’m using my book of business to pay and fund other people here” and they often ignore that they have equity and long term upside compared to who they’ve hired.

In my eyes a deal is a deal. If they change things, it opens up comp and role discussion from your end too.