Likwid, Thank you for the informative info on the P&C, Property and casualty for the uninformed. I have been in health, Life, long term care and anuities for the last 15 years. I tell people that i give away money for a living. the business is Always changing, and so far it has been both interesting and rewarding. I have worked both sides of the fence and by far the commision sales has many more pluses. I can make my own schedule, Want to only work 3 days next week? no problem. want to take friday off and ride to NC, no problem. Have laptop and cell phone and i am covered. Secondly, i reap the rewards for my work. For years i worked at a 9-5 job and watched the owner of the company or the corperation reap the rewards of my work. not now. What do you do if you want a $10,000.00 - $20,000.00 increase? I go sell more stuff. best off all, i get to hand out claim checks and help out folks in thier hour of need. very rewarding and i wouldn't trade it for anything. yes, i get lots of no's and don't call me back's, but thats just part of the business of sales. PS, pm me if you want to get paid cash for for a injury or illness