New Career New Agent

OK guys I have been watching over these threads here from quite some time now. Like the title says it am switching careers and getting into insurance specifically medicare supplements and life insurance. I have always been a w2 employee and hourly, my wife and I are very nervous about taking the leap to 1099 commission only and not just straight commission but advanced commission so charge backs are possible too. Everybody I have talked to in the insurance field says that it is the best life decision they have ever made, but they have also been selling insurance for years.
My biggest issue i
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