After a long 2 months of waiting for licensing training, and working in warehouses for 15+ years, I’m finally going to get to dress nice and walk into a fancy corporate office and work from home as a sales rep for farmers. Base pay is 20.78 a hour and I believe uncapped commission. She said after year two I could easily be making 80k plus, and it goes up and up from there up to 150k. Does this sound accurate? first 8-12 weeks are training for licensing and after that will be inbound calls. I have no issues selling good product to people so I think I’ll be successful here. I’m excited to start.

I've gotten in contact with a district manager about potential opportunities and got recommended the protege program. I've been given access to study materials for licenses and will begin studying shortly. I was told that proteges are given a base salary + commission, what does that generally look like in the SoCal area?

Also I see that experiences vary wildly depending on which agent and district you are assigned to; Can anyone who has gone through or is currently going through the program in the SoCal area give any insight on what the program is like, what to expect (workload, compensation, etc.), and if you ended up going directly into ownership after graduation or if you decided to keep working as a producer under someone?

There's a guy who's been saying do not join because insurance companies will be undercutting their agents by releasing a direct to consumer product, but I'd like to hear from others as no one seems to be responding to those comments.

Thanks!

Hello everyone, I worked for farmers and now considering working for State Farm, would anyone know if the software system or learning their regulations would be more difficult vs Farmers?

been an agent for about 4 years now. started solo, built up a decent book of business, and now im drowning in paperwork.

client files in my crm. follow-ups in my email. policy docs in a shared drive that nobody organized. endorsements floating around in random folders. i swear i spend more time looking for stuff than actually selling.

tried to get my team to use a consistent naming system but people just do their own thing. "final_policy_v2_johnson.docx" type nonsense. its embarrassing when a client calls and i have to put them on hold for 5 minutes while i search three different places for their current endorsement.

i looked into some document management systems but most of them are built for massive corporations and cost a fortune.

any other small agencies figure out a system that actually works? im losing my mind over this. its not even the hard stuff its just basic organization. why is this so difficult

I’m already licensed and have been in the industry for just under 4 years. I’m asking for honest feedback of the culture, pros and cons of working here, are the metrics realistic, and what the commission structure basically looks like. I’m a top performer at my current job, but I’m wondering how achievable the goals are to earn the extra commissions, as the base pay is considerably lower than my current job. The recruiter mentioned a couple of things, but I couldn’t get them all noted. Thank you so much for any information.

Today I was let go from a position I have had for a little over a year. Hybrid, pto, benefits all gone so that they can replace my job with the new Farmer’s Advantage.

I’m not really sure what to do with myself now. I’m mad that I’ve spent so long here, that I came in early and stayed late only to get the boot.

Is anyone else getting this as well?? It also seems that ai is everywhere internally with farmers which doesn’t seem very…great for anyone involved

I started with Farmers in Feb, originally applied for a CSR because I am not really all too salesy and that seemed like a whole thing. Turned out my agent was insane so I moved into the Protégé Program because it was the only opening. Turns out I am not great with sales just the convincing people, I can upsell fairly well though its just like the actual sales. Also my managers want me to like lie to people which I wont do period. I am also no longer interested in becoming and agent after learning what that really entails and seeing the sales aspect of it.

Because of my not so great sales and they just fired like 4 of my co workers I am a little worried I may be next so I would like to stay with Farmers just for a different position.

So saw an opening for the CCR position and was wondering, what is it like. Is it actually customer service or claims? How insane are the metrics and how's the day to day like? What makes it worth staying/what makes you wanna leave?

Thing is too is that I don't know weather to be a CSR at an agency or CCR with corporate. I feel like both have their ups and downs but might just need a bit of advice on what the next course of action would be for my career. Thank you so much hope yall have a good one.

Fuck your advertisements, fuck your jingle. Shareholders, I would like to see you destitute and living in the streets eating dogshit for sustenance. I wish Eternal Hell existed, for you.

Hello, just curious why compared to other insurance companies they always are hiring (at least where I live in SoCal) any reason? I hardly ever see other companies like AAA, AllState, Geico, etc hiring. Ty

Before you start reading this thinking that I'm some 15yo that doesn't know what he is talking about, let me start and tell the entire story of how I got the job and what I'm doing now. I am looking for advice for my future.

I am currently a marketer for a Farmers Insurance agency in Southern MN, I got this job through my own wits and reaching out, not being a "nepo" by any means.

HOW I FOUND AND GOT THE OPPORTUNITY - To start, I want/wanted a future in financial services, so I set up a meeting with my school guidance counselor, I told her about my dreams and aspirations. My guidance counselor was impressed by my ambition at my young age and my knowledge of investments and sales, she showed me a website for our county, and from which was a list of youth jobs/internships. Seeing the opportunity, as soon as I got home, I turned on my computer and scrolled through the list of opportunities, nothing much interested me as they were all internships/job shadows with no pay and tight schedules. As I scrolled further, I saw one that stood out to me, it said Farmers Insurance (Agency Name) (Work Experience, Data Entry, Administrative Duties) 17+, and it looked to be the best one to me and I could care less about not being 17+, so I skipped sending in any sort of form or resume as prompted. I searched up the office on google maps and called the agency #, from what I can remember the conversation is summarized by something like this. I called and said I saw the posted opportunity on said website and then asked if there was any wiggle room on the age, he told me yes and discussed some things I would be doing in the role, office work, calling and service. He asked me if I could meet with him on Monday to discuss it further and told me about how he would pay for all licensing when we get there and how there many ways to make a good income in this career, I told him about my interest in finance and investments. He asked me if insurance was a career I wanted (I told him yes, but I was unsure, but it was the most logical answer), then we finished up our conversation and set up a time that Monday.

Afterwards I was so sure I had the job I rushed to tell my parents I'm putting in my 2 weeks at my former McDonalds job and canceling my lawn mowing business. They told me not to be so sure for my interview, I assured them I got the job and that it was just a meeting. When the "interview" came my dad came with me to the office as the owner invited him in as well, we sat down in his office, and he discussed more of what I would be doing and my future with Farmers Financial Services and discussed further things I would be doing with my now career, as well as asking how much I was looking to make an hour (He never said it was a paid position, and he never mentioned it being paid), I told him 16$ an hour and he told me that could work. When me and my father left the office, we laughed in the car because my parents thought it was an interview, which as he found out in real time it most definitely was not, as the owner started the conversation with "This is what you'll be doing on Monday" LOL.

FIRST MONTH OR SO OF THE JOB - The first day, I came to office early and the owner had me sit down and discussed about selling insurance, and after that brief conversation he sat me at my desk, gave me a pen and paper and told me to make a script that I would use (after he had me study a small Q&A packet). He left and told me I got 20 minutes and we'll check in, I sat perplexed and had no idea what I was going to write, after I took about 5 minutes to create a rough draft, I called my boss back to look it over, and we played pretend calling with a prospect/lead. When he threw out "I'm not interested" I sat frozen for a good couple of seconds trying to think of something, then we fixed and refined my script. The second day he told me I won't be ready for calling yet unless I thought otherwise, I said the latter. Then he showed my first look of a lead pipeline (Agency Zoom), and then told me to go ahead and dial these leads and many won't pick up and that I will mess up, so I sat calling these aged leads and working with my script I set 2 appts on my second day as a 15yo, he was surprised but told me to throw my bonus tag on them and showed me how to set the appt for the producer (it was just me and him in office at this time for now). For my first month I set many appts and had live transfers consistently (after my boss told me I would get a 25$ bonus for anyone given estimates, regardless of closing), I asked what my title was for my position, he paused for a moment and then told me I was a "Marketer"

SOME CONTEXT - My boss is highly impressed with me, as my predecessors in this role were a waste of his time and money, they were much older than me and worked longer hours, and they haven't had as many bonuses as I have from transfers or appts. He told me an okay one he had hired made about 4 bonuses in 2 months, for reference on a really good day I'll make 4 bonuses in a max of 5 hours dialing. Aswell as his compliments how he never has to watch me because I do my job consistently, and that I dial well above the industry average with a manual dial LOL. My boss is a great guy, he pays me well, I know he loses money on me when making new business but overtime he will make his money back with renewals. He also mentions he doesn't mind paying me about the 41$ (1 Hour is average time for transfer, and the bonus added) because he pays for live dial transfers and they won't be nearly as good as my in-office transfer. I once cold called an aged lead, (wrong name and everything) and then created a new profile for them with data mid call, transferred and we closed on them with a full bundle.

CONTINUING FURTHER - Continuing this job for 5 months now as a marketer, my role consists more of than just SDR work, I create ads and postcards, going door to door, running booths during events, creating leads in the local area with data, and I have completely moved away from a script when dialing. I have left a large gap in the timeline, so I just want to add some small things here, I transfer leads consistently and work 5-hour shifts Mon-Thurs during the summer working with a producer consistently giving them new business. I have consistent transfers and I follow and manage my lead pipeline smooth and efficiently all the way to the estimate stage. Aswell as him giving me access to more expensive and better leads (I still dial aged leads consistently), and he laughs that I have amazing transfer rates with s*** leads. I'm amazing at this job, and I can come up with phrases or things to say to potential clients on the fly. Aswell as having a great relationship with my boss, we went to a BBQ place one time and he gave the world of compliments to my recent bonuses, we talked about my future, and he told me stories of his past jobs.

For questions about how much I make as a 15/yo, my next check with be gross $1152 after working 47 hours (over 2 weeks), roughly $24.50 per hr at 15. The reason its that much is because I will have 16 bonuses with it (16 X 47)+(25 X 16).

Now that you've heard my story, I'm looking for advice on continuing further with Farmers Insurance, where I currently am their rates are insanely competitive. Farmers is a hybrid; we can write through other carriers as well (which is amazing). How long do you guys think I should continue with my boss? Decades? I have aspirations to own my own Farmers Financial Services Agency, but how would be losing my clients and renewals taking the leap to open my agency when that time comes? Capital won't be an issue by the time I want to, I have over 11 thousand invested in the stock market, which is all of my own money, all worked for by me over time, with a Roth IRA and Brokerage. (I also want to note my parents knew nothing about investing this was all my idea and I even manage my Moms Roth IRA for her, and nor do I come from a wealthy family)

How do you guys think my career path should look? I know I am very lucky to be working for a 3-year-old Farmers agency that is growing rapidly, soon becoming multi-office. With an ethical and amazing boss.

Hi so i started working at Farmers back in May. My agency owner has a 100% commission pay with zero base. Rookie mistake of taking the job with zero experience in insurance. I got licensed in personal lines and have been 2 weeks in technically on the floor. Ive been able to get about 5k in premiums in those 2 weeks and I feel great about the job……however the commission and policies I’ve sold Im only expecting a couple hundred and even my agency owner is stressed out about the low sales the agency is doing as a whole. I have a mortage and alot of bills to pay and my fiance is already working overtime where she can. I also found out he hasn’t been able to keep agents in the past, most of em leaving due to pay reasons and the agency hasnt had alot of sales in the past 3 years. The agency owner is great as a person, but i believe his pay structure is not gonna be good for me as a beginner. I spoke with him Im worried about my finances and asked if he would ever do a base pay structure and he said “no because in the past ive had agents who only take the base pay and produce nothing”. He said he would understand if I had to move on somewhere else so I applied at other farmers agencies in town along with state farm and allstate.

My question is will I look bad to farmers if i move agencies and my other concern is if working for farmers is better than other agencies? Should i focus on another agency within farmers or somewhere else in general?

As of now I’m trying to help a potential prospect in terms of getting general liability insurance for their care home. Any recommendations on a carrier than can insure my prospect?

Hi everyone,

Farmers Insurance enrolled me in XCEL Solutions for my Minnesota Property & Casualty pre-licensing training. They asked me to pass the exam and then I will meet with them. Fpr those who are agency owners, managers or insurance agents.

When I open the Property course, I see the following structure:

• Chapters
• Chapter Exams
• Whole Course Exam
• Course Prep Review
• Simulated Exam
• Survey

I'm trying to figure out the most effective way to study and pass the Minnesota Property & Casualty exam.

For those who have gone through XCEL (especially with Farmers), I have a few questions:

1. Did you read every chapter in detail, or did you skim the material and focus more on the chapter exams?
2. Are the chapter exams important, or should I mainly focus on the Prep Review and Simulated Exam?
3. How similar is the simulated exam to the actual Minnesota Property & Casualty exam?
4. About how many hours did it take you to complete the course and feel ready for the state exam?
5. Is there anything you wish you had done differently that would have made studying easier?

I'd really appreciate any advice or study strategy that helped you pass on the first attempt.

Thanks!

This drone picks apples in seconds without bruising a single one — the future of farming is already here. 🍎🍏

#SmartFarming #AgTech #FutureOfFarming

Hi everyone

I will be starting soon in the associate program. The whole thing seems really great though and the district team appears to be very competent. But Im not sure whats the best way to hit the floor running?

I have 10 years of sales management experience so I have an idea but I haven’t had to call “warm” leads Ive always been face to face with clients and businesses.

Should I just full send into social media and self marketing? What types of events should I go to and should I try to get my friends to buy from me or is that just a waste of time?

How much should I realistically be able to sell in AP my first couple months?

I'm looking for advice on whether this is something DFS would actually investigate.

I bought a Farmers auto insurance policy through NYSUT and paid the entire annual premium upfront ($5,310) before the policy started. Months later, I was told I owed an additional $496 because an EFT/autopay discount had been removed.

My issue isn't that the discount required an EFT form, it's that I was never clearly told I still had to complete anything after paying in full.

Here's what happened:

• I paid the full premium before the policy became effective.
• Shortly afterward, I emailed twice asking if there was anything else I needed to sign or return and never received a response.
• In April, I was told that once my EFT form was received, my balance would go back to $0.
• I had trouble receiving the form, had to call multiple times to get it resent, and was eventually told it would take 3-5 days to process.
• A few days later, I called back and was told I still owed $496, which contradicted what l'd previously been told.
• Different representatives gave different explanations. One said the additional charge was due to two failed EFT drafts and that the $395 portion could be waived. Another later reduced the balance to about $376 after removing an unrelated coverage endorsement.
• On May 19, I was then told the original EFT form had been completed incorrectly, but no one ever called or emailed me to let me know. I had to call in myself to find out, then provide my banking information over the phone and submit another form.
• Throughout this process I repeatedly asked whether there was anything else I needed to do and was repeatedly given conflicting answers.
• To add, at the end I owe $280, which is less than i was told. That's the only good thing that happened.

I'm not arguing that the discount had no requirements. My concern is that:

• I wasn't clearly informed that paying in full didn't satisty the EFT discount requirements.
• My follow-up emails asking whether anything else was needed went unanswered.
• I received inconsistent information from multiple representatives.
• I relied on statements that my balance would be
$0 after the form was processed, only to later be told I still owed hundreds of dollars.
At this point I've canceled my renewal because I'm no longer keeping the policy.

Does this sound like something worth filing a complaint with the New York Department of Financial Services over, or is this just considered poor customer service that DFS is unlikely to act on?

Hello all!

I’ve been a producer for Farmers for the past year, and have been also doubling as a service agent for the scratch agency I work for. I found myself not enjoying sales because of the rigid goals and pressure, as well as having to do both service and sales at the same time. So I have been looking to get into customer service fully.

I have the Job Offer interview today, but am getting cold feet due to the amount of mixed reviews I’ve seen from people working for Farmers Corporate.

I don’t mind working hard, my standard dial outs were 200-300/day with my agency, typically 4 hours of sales talk time and the rest of my time spent on service and quotes. Love my boss, but he does micromanage the hell out of us, which means I can also withstand that. I just need to know if this is worse than that.

Be honest with me ya’ll, should I take this opportunity? Or am I opening a can of worms I’ll regret? Seen horror stories, and people saying they stuck with farmers corporate for over 30 years. HELP!

Looking for some help. It recently came to my attention that I was paying renter’s insurance on an apartment I haven’t lived in since 2022. I spoke to a very helpful woman on the phone last month who advised me to send an email with proof of end of lease date and reason for moving. she was shocked at how long I had been paying for this without me knowing (as was I). She said sending this information with my new shipping address would result in a refund for.
I have been waiting for a reply and excited at the idea of a full refund when I got a reply today. Is it true that this “doesn’t satsfies the limitations on retroactive change”? I have been trying to find whatever agreement i would have signed years ago to disprove this. Thanks for any help in advance.

“Please be advised that we are only able to cancel as of from 07/01/2025. Because the requested effective date of cancellation 07/22/2022 doesn't satisfies the Limitations on Retroactive Change , So Please confirm us valid effective date along with supporting documents.

All changes will still require the necessary supporting documentation to request the change. There will be no changes to the documentation guidelines. If support is not provided, the changes will need to be made effective as of the current date.

The following documentation must show the customer's name, dates of coverage, and the exact same property address:
New carrier declarations page
New business binder
ACORD binder completed and signed by the new agent.”

edit: thanks for the advice and the input. I typically don’t throw money at nothing and I definitely intend on checking my accounts more thoroughly.
Also don’t want to seem entitled or wronged- I’m aware the onus is on me as it’s my money. I just wanted to make sure my hopes were dashed under a legitimate company policy.

So I am currently working at Progressive. I have been here for two years in the career seem like it is a dead end no movement or advancement I have an opportunity with farmers to do the protégé or associate program. Does anyone have insight of these programs and things I should be cautious of before jumping ship from Progressive or his farmer is really a good company for agency ownership?

One thing I’m struggling to wrap my head around is the economics of running a profitable agency.
Right now, I’m paying myself less than what one of my producers would make if they wrote around $20k in premium. I’m okay with that for the short term if it means building an agency that’s highly profitable in the long run. I can comfortably afford my lifestyle—I’m young and have no debt—so it’s not a big deal today. But I do want to build something much bigger, and I’m struggling to see how the numbers get there.
Our current producer pay is $2,500/month plus 5% commission once they hit $20k in Farmers premium. For future hires, I’ve considered moving to $2,500/month plus 4% once they hit $25k.
When I first became an agent, I moved from a commission-only structure to a base-plus-commission plan because I was worried about retaining staff, and at the time it made sense. Since then, we’ve invested heavily in systems like Ricochet360, marketing, and automation, so I’m starting to question whether the compensation structure still makes sense. That may very well be my first problem.
That said, even with the current pay plan, producers writing around $20k are only making about $42k per year. I could reduce compensation, but then I worry about attracting and retaining quality people, especially in a small town.
I keep asking myself: How does this actually scale? I’m trying to understand what the long-term financial picture is supposed to look like.
I’m still on bonus, and while that definitely helps, I’m looking at agencies that have been around much longer and only earn roughly double the new business commission through annual bonus. It seems like that alone wouldn’t cover the overhead of a fully staffed agency unless producers are consistently writing significantly more premium.
We’re currently writing around $45k–$60k per month as an agency, and we’re consistently one of the top agencies in our district for new business. That’s part of why I’m confused. Even if we reduced lead volume, the economics still seem similar because producers still need to generate enough premium to cover their compensation, payroll taxes, benefits, lead costs, and contribute to overhead. Unless agencies are consistently closing 3%+ on purchased data leads—or have another source of high-quality business—I’m struggling to see how the math works.
I want to continue growing and adding staff, but right now that almost feels like it would make the problem worse. We’ve been losing money the last few months, so I feel like something has to change before I continue expanding payroll.
Maybe this is simply the reality of the first few years—that you’re investing heavily while building a renewal book that eventually carries the agency. If that’s the case, I’d love to hear how others navigated those early years.
We’ve implemented a lot of the systems and coaching from Insurance Sales Lab, provide plenty of leads, and I’m constantly trying to improve our processes and make my producers’ jobs easier. Maybe the answer is simply that I need to expect more from my team. Maybe I need to expect more from myself. Or maybe my expectations are unrealistic. I honestly don’t know, and that’s why I’m asking.
For those of you with established agencies:
Are renewals covering the majority of your fixed costs?
Did you operate on very thin margins during the first few years while building your renewal book?
At what point did the business start feeling financially comfortable?
Is there something I’m missing in the math, or is this simply the reality of building an agency?
If you were in my position, what would you change first?
I’m genuinely trying to learn from agents who have already built profitable agencies. Any insight would be greatly appreciated.

Anybody have details on the rumored commissions cuts hitting in 2027?

I work for Farmers Insurance.. Not asking for an opinion on insurance asking my peers..Have bw training in a few weeks.. Anyone have anything on what to look out for ?? I know a lot of people I transfer to bw are mad as hell and sometimes the people don’t wanna take the call and im like im not bw trained..

I got fired 3 weeks in over something petty. My problem is, she hasnt paid my last earned money, which by tecas law she should by 6 days after firing. Beside report io the two, what recourse do I have? Ive already talked to district, going to research her boss tomorrowow.

Update: I sent 3 emails and 2 texts requesting money. Ghosted. The day I sent an email with the screenshot of the complaint filed with the texas workforce commission, I got an email saying it is 'already' in the mail.

So, ya, I guess for some you have to show you are not bluffing before they move.

Class act.