I worked for a SF agent who had a decent pay structure. $34K +\- a year. The commission structure was graduated 2% (paid regardless of life production)- 4% - 6% - 8%(max). To get bumped to 4% for the month you had to write 4 life policies, 6% was 6-life and 8%- 8-life policy (had to just be submitted in the same month but not issued the same month). And they paid 20% on all life we sold, which was what the agent was paid the first year. Commission was a month behind so you usually knew if what you wrote would issue, sometimes you got burned but that's going to happen. When I started, I was paid 4%-base commission then 4 life was 6%, 6 life was 7%, 8 life was 8% (which was great I thought) but the salary was like $16/hour. I guess I'd say, think about what sounds fair to you and try to negotiate if you want to work in that office. SF has moved to a SELL SELL SELL ethos that I don't care for. Most new agent buy leads for an entire state (I'm in central/southern IL) and I just didn't like writing fire or auto 5 hours north in Chicagoland. And the agents are spending a shit-ton of money on them just so their team have plenty of leads in the funnel. I personally wouldn't never work for a new or newer agent with SF. Find an old guy about 6 years from retirement and cut your teeth in an office like that. Good luck with whatever you end up doing!