Hot take: Free lead programs at lower comp are NOT automatically a scam. For some newer agents, they can actually be one of the best ways to learn the business. A brand new agent with: • no sales experience • no underwriting knowledge • no phone skills • no referral network • and no marketing system… Probably shouldn’t be dropping thousands on leads immediately. Sometimes it makes more sense to trade some comp for: live reps coaching daily call volume real-world experience learning how to close learning underwriting learning how to keep business on the books The industry loves to scream: “ONLY TAKE TOP COMP!” Meanwhile half the agents yelling that are quietly failing because they can’t afford enough activity to improve. The truth? There’s pros and cons to BOTH models. Higher comp + buying your own leads can be incredible IF you already know what you’re doing. But if you’re brand new, a structured free lead system can help you build the fundamentals first. That’s why I’m building Life Agent Clarity Academy. To give newer agents REAL conversations about the insurance industry instead of hype and fantasy land recruiting posts.