Punishments for Not Hitting Sales Goals

Wanted to open up some opinions on punishments on producers not hitting their #'s and what some of you guys do or have heard of.

Here is a for instance: Let's say your producers goals are 20k in NB premium, 2 Life policies and 2 umbrella policies per month. (Captured world cross-selling bonus')

Also note that since I'm Captured the Agency can potentially not get a 30-50k Quarterly bonus if my producers do not get 2 life / 2 umbrella a month.

Scenario: First scenario is the Producer hits the 20k NB premium basically every month, but sells NO life or NO umbrella. I want to keep the NB p
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