The biggest pay discrepancies I’ve seen in insurance weren’t about performance. They were about timing, negotiation, and quite frankly speaking up for yourself.

What do you think causes the biggest salary gaps in insurance: experience, negotiation, or company structure?

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Length of time with the same company. Never spend more than seven years at the same carrier. Loyalty is not an asset and also never reciprocal.

I think it's a bit of all that plus luck. I started my career in 2010 where the economy was awful, and it took years to financially recover. Others started out in a wonderful economy with ample opportunities. That's one reason it's important not t compare yourself to others.

Oh, I can definitely see how not being willing to speak up and ask for the raise you deserve leads to major pay discrepancies in an organization. But another one I think you missed is favoritism. Because all things being equal, the manager’s favorites are going to make more money.

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