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5% of new business sounds criminal but the 30K, first year, more than makes up for it.
I would be tempted to take the 30K and get the paid training but would have my eyes on what the deal will be after the first year.
Read all contracts carefully and have them looked over by an attorney before signing anything. (Sorry, I have had some bad experiences with Allstate and their legal department).
Surfy
I think you are getting a good deal, starting off as a new agent. Do you have any requirements?