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Josh,
What I love about P&C is the renewal wheel. If you build your book right, it gets bigger & bigger. Whereas Life is one hit up front & very small tails for commissions after that.
So each year in a Life agency, you have to start over from almost Zero, whereas a P&C book, if you do it like I did in KY & TN, after about 36 months, your renewal commissions are averaging around $20,000 a Month! So, give me the P&C model any day!
They're definitely different models. There is also a LOT more service and commitment on a property and casualty book. The renewals come at a price.