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We write about carrier contracts, commission layers, the cost of going independent, and what a buyer actually pays for.
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Base commission is the number every agency owner knows, and usually the only one they compare. Here are the five layers the money comes from, and why the base rate never tells the whole story.
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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.
5 min read
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
Carrier economics, contract structure, and succession math for independent agency owners. No product announcements, no drip sequence.
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