Expenses, their " great leads" are trash and you end up spending more than you make. Recruiters over exaggerate monthly compensation as a new agent. It takes 5 years to make an actual living. Numbers shown by producers are inflated and do not show what their actual take home is after expenses are deducted in addition to taxes. You will be taxed at 50% of your earnings come tax time so make sure you keep very detailed tracking of mileage and lead costs. You will be responsible for chargebacks within the first year so you can not spend your commission until it is in the books for a year or you can request paid as earned which is advised.