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There are two very different worlds in SF agency. One is old contract Pre-2004 and the other post 2004 and beyond.
Those prior made major coin and bleed company red in loyalty, while many after bleed serious red ink, so neither has sympathy for the other. Once the company forces all to sign a uniform contract, then we'll see them all scream together.
X2!
Two partners in the local GA im with started at SF. One actually owned her own agency.
Both of them say exactly what is quoted above.
These are two extremely capable agents. And both of them have said that the new SF contracts set an agent up to not only fail but to be in debt.
SFs new contract lowers them to a level of turn and burn and guaranteed failure that puts them about equal with NAA!
I have 4 SF agents as life clients.
They all struggle tremendously financially. (they also say their term product is sh#t, which is why they are clients)
Last year one of them wanted more coverage and asked me to get an app ready. Last min they cancel.
She said she needed to sell it to herself, because her agency owner was giving out $100 instant cash bonuses for every term app placed.
She said she knew she would pay more over the long run but that she really needed the $100 at the moment....
They get piss poor training, and absolutely RAPED on comp...