[Rick Lee]

Anyway, the most lucrative part about independent insurance sales, if you're mid-to-late career, are the residuals. They're super low in the final expense biz because the upfront commissions are so high. Most other areas of insurance pay lower upfronts and higher residuals than FE. And if you do Medicare, those upfronts are around $570 for year one, but around $270 per year thereafter .... for as long as the person is alive and keeps your policy. Rock it hard for a few years and you have six figures in residual income before you get out of bed in the morning. I just could not get into the whole Medicare thing after getting my AHIP cert. But it's a very good business for people like FE agents who are already buying leads for and getting into the homes of retired people who often ask about Medicare stuff. Easy cross-selling.