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dubya is a dumb dumb. Rural agent's are generally in better shape due to the fact they don't have the worst competition possible: Another SF agent. Second, when noobies are placed in Rural markets, there's no other place for them to assign out the files. Third, rural agents generally have lower cost structers for labor, rent, etc.
I worked in the assingment part of ASR for years and know rural agents have a 50% bigger file assignement on average compared to urban agents. I know this because I processed them.
Out of 20 appointments, 2 generally have a decent file assingment. 90% of the time it's more rural agents. This is the fact. Go rural if you can, you'll certainly make more money.
Every cost structure is diferent. But the fact remains, SF is beggining to get the agent they didn't want because of the AA05 contract. In this market, AA05 agents are downsizing.
This year I dumped my fancy office, got rid of 2 staff people, dumped most of marketing, and I have made more money in the first 5 months this year than I did in the last 3. Funny thing is.. Gross is up and lapse can is down. My production is 1/2 of what it was in year's past....Go figure.
No matter what I produced on AA05, I am still limited to capacity in my market place. As Obama would say: "Let me be clear": Production drives costs farther than your ROI in terms of Scale in your operation on the AA05. In otherwords, the contract is designed to pay you less based on your margin (after expenses) in proportion to your production. I've been on this thing for 5 years now, and finally get it.
SF is earning less from me and I'm making more on my new cost structure. I'm no logner chasing the score card to pay myself and taxes once a year by killing myself.
MORE PRODUCTION DOES NOT MEAN MORE NET INCOME. NET NET NET NET NET NET IS THE GAME!