average mean median in normal distribution <| sep |> Yes , it ' s reflective of what the people want . <| sep |> when you getting on ? <| sep |> I ' m in PC for both personal and commercial lines in Ontario , Canada as a broker . Here are a few key points of info I think are useful . 1 . I wouldn ' t suggest immediately buying an agency or book , I would work for an established broker or agency , and learn the ropes . There is a lot you can be sued for if you don ' t insure people properly , so putting the sales aside it ' s best to learn from experts at the start . After you have some experience , then go do your own thing , whether that be buy a book or build your own . 2 . Personal lines sales is a churn . If you do PC for homes and autos it ' s nice that almost everyone has it , but they are such a commodity which means people shop more each year , and it becomes times intensive . It ' s also not that intellectually stimulating after doing it awhile . It ' s a great way to start in insurance because it is straight forward and everyone is a prospect , but in the long run it ' s not that interesting . Commercial insurance varies and is more interesting . You will write bigger policies , but they are harder to crack into . I think your SaaS experience will tie nicely into reaching out to business owners , and you should have competitive advantage I think in generating opportunities due to your history in SaaS sales to conventional brokers . These clients require more face time than personal lines . If you like that it ' s great , but if you want every client to just be number then it doesn ' t work well with the larger clients . Regarding your specific questions , the comp plans will differ widely depending on who you employ with . I write PC because my renewals are the same as my new biz , a client that stays pays the same as when I sign the first year so it snowballs nicely . I don ' t know what is the norm for the states . I hope that provides some insight for you .