Ann, do you have an exit strategy in that you think we have a 3-5 yr window?
Sprint til maybe second open enrollment then sell at its high perhaps?
I can see comp going to zero in your 3-5 yr window, but what is your guess for commissions on cases on the books at that time?
Good questions. For me, the exit strategy is to cross sell all the new clients. My husband and I also own another business, and I would consider retiring early (I'm 54 years old). That's not an exit strategy for everyone, but it works well for me. Selling high at the 2nd open enrollment is a good choice, too. Many agents are looking at this as "open hunting season" to build a book of business, then cross-selling and moving their focus to another line of insurance.
As far as commissions, the carriers will be releasing that data soon. It will be lower than we had pre-PPACA, but the premiums will be higher too. Some carriers will play games (like pay on the unsubsidized portion of the premium), or set the commission lower than their competition, but those games always cause lost production, and usually end up in a reversal of their decision.