Let's say several agents on here who say they do 18-25k a month.Lets look at several metrics involved to achieve those type results. avg premium of $50 a month or $600 a yr means to do $21k a month thats 35 policies a month. at 25% close ratio one would need to see 100 people a month. to see 100 people one would need 150 leads a month. Thats about $3500 in lead costs. most people have an appointment setter so theres another $1300 for appointments.Many agents who write that type business drive 1000 miles a wk easy. at an avg of 25 mpg thats another $150 a week.Expenses alone are about $5400 a month. now remember with $21k of business if you have 80% persistency thats about $16,500 . $16,500 - $5400 = $11k net. $11k -37% taxes which includes = $6990 net.ow one could make 2to 3k more but you get the point. To acquire business in final expense costs huge money and long hours and tons of driving versus other types of insurance.Don't get me wrong theres also many positives like selling to uneducated people that are super easy to sell, one gets paid very quickly and underwriting is very easy. but guys saying they're making 200-300k a yr have huge expenses.Agents are taking all the risk as imo's sit back and make 20-30% for possibly providing a little training. The avg agent does very little business so thats why producers doing 50k or more need to squeeze the crap out of there imo's are walk as theres tons of imo's that will pay them better for there business.