u/Beneficial-Ad-3862

I’m looking for some honest opinions from people who have worked in P&C/life insurance, especially those who have experience with self-generated business.
My comp plan has no paid leads and no ad spend. All production is self-generated through referrals, networking, personal prospecting, Google reviews, etc.
The tiers are roughly:
4% tier
$20K P&C production

1 life policy issued

Plus additional requirements tied to the tier, including referrals/reviews

6% tier
$40K P&C production

4 life policies issued

$125 monthly paid

1 commercial policy issued

Additional referral/review requirements

8% tier
$60K P&C production

8 life policies issued

$200 monthly paid

1 commercial policy issued

Additional production/referral/review requirements

The 8% is the maximum tier, and there are additional requirements attached to each level that increase as you move up (referrals, Google reviews, etc.).
The part I'm trying to wrap my head around is the $60K P&C + 8 life policies + commercial policy + referral/review requirements, especially when there are no paid leads or advertising dollars behind the production.
Also, there is no compensation on renewals.
For people actually working in insurance:
How obtainable does this sound to you?
I'm not necessarily asking whether the percentages are "good" or "bad." I'm trying to understand whether the production requirements for the 8% tier are realistically achievable through self-generated business, and what kind of book/lead flow someone would realistically need to maintain that level.
Would love to hear from people who have actually had to self-produce their entire book. What did your numbers look like?

(I have hit this before, but I came in earlier this year from big red to this company and had paid leads before but not here and I’ve sold 200k since April.)

In 2027 I will have an opportunity to open my Agency with my current company. The book size will be between 1.1-1.6 million starting point based on the rest of my performance.

I’m in the southeast area metro ATL.

I can write 40k+ in P&C with 0 ad spend monthly 13 months in (4 with this company). No leads given just my network and referral tree I started. Life and health for me is not the strongest I can write $150-$200 pure paid monthly premium. ($1800-2400 yearly premium). Commercial is also something I’m working on. I typically write 1-3 policies monthly which I would like to be 3-5.

I want to eventually pivot from captive agent to independent down the line. 5 years as captive then buy/open my own book.

What do you guys suggest that have done this before?