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You left out the category of people who come into insurance as a business, properly funded, experienced salespeople, who see a good opportunity to make a decent living working limited hours(REALLY good money working 4-5 days a week)...without a lot of risk. In all seriousness, there are not a lot of businesses you can go out and invest 2K and turn it into 10K in 6-8 weeks(assuming it takes 4 weeks to get your leads back from your first drop). SO, "In my opinion" you should add a 4th category of 'professionals' who come into the business with eyes wide open willing to do what is necessary to succeed.
Fourth point would fit into the first point - "broke or not."