What Your Carrier Contract Actually Pays You
Base commission is the number every agency owner knows. It is also the smallest part of what a carrier contract is worth. Here are the five layers the money actually comes from.
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The economics of an independent agency,
written down.
Carrier contracts, commission layers, the cost of going independent, and what a buyer actually pays for. Published monthly, for owners who'd rather read the math than a brochure.
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Going Independent: What the First Twelve Months Actually Cost
Captive agents plan the revenue side of going independent and get blindsided by the calendar. Here is the real sequence of costs, appointments, and cash-flow gaps in year one.
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Your Agency's Value Is Set Three Years Before You Sell
Buyers do not price the year you sell. They price the three years behind it. Here are the six drivers that move an agency's multiple, and how long each one takes to fix.
6 min read
One article a month. Nothing else.
Carrier economics, contract structure, and succession math for independent agency owners. No product announcements, no drip sequence.
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Run Your Own Numbers
Reading about the math is not the same as running it.
Thirty minutes, your book, your carriers — and what the five income layers would pay on your premium instead of someone else's example.