New production feels exciting, but retention is where financial stability is built. Agents who track persistency, policy anniversaries, and client touchpoints create compounding income over time. Every retained policy reduces the pressure to constantly sell. Six-figure income becomes realistic when the book of business starts working for you instead of against you.

After being around this industry long enough, here’s a pattern I keep seeing: The six-figure agents aren’t always the most talented. They’re the ones who treat this like a business, not a hustle. They track: daily activity call volume follow-ups policy retention lead source performance They’re not guessing. They’re analyzing. Six figures isn’t luck, it’s structure.