New job offer in a neighbouring city

Currently i work doing commercial insurance 10 min drive from home. Last years take home was 110k working as a commercial advisor for an insurance company.

I have been offered a job in a city over roughly 45 mins away. This position would be to take over a very large book of business from a brokerage whos commercial advisor is retiring.

For the first 4 months the salary works out to be 75k/year with 50% commission on new policies.

When i take over the position it goes to a straight commission role.

Book size currently is about 2.1 million.

Commission on renewals is 35% so they have ball parked it around 130k/year with

50% commission on all new business written on top.

Is the extra money worth the time and stress that would come with this position?

Google maps has it as 53kms away and 47 min drive.

I have worked at my current company for 6 years and am very comfortable. this new job i would be starting over, learning new systems and programs etc.

I dont really have anyone to talk to about this and would appreciate some honest feedback. Am I overthinking this?

reddit.com
u/Careless-Shoulder-62 — 23 days ago

Dealer has told me the interest rate will go up without the warranty.

I have found a resonably priced truck with low kilometers but i feel like they are trying really hard to force the warranty on me. Has anyone had interest rate on a loan go up .5% over 5k?

Email from them below.

Please privide thoughts

Adjusted Vehicle Balance: $28,988

4-Year / 80,000 KM Extended Warranty: $5,000

This brings the total financed amount to approximately $34,054 before any lender-specific fees or adjustments.

Based on this amount, estimated payment options would be:

84 months at 6.49%: approximately $504/month

84 months at 6.99%: approximately $465/month (rate is higher due to lower amount financed)

60 months at 6.49%: approximately $664/month

60 months at 6.99%: approximately $611/month (rate is higher due to lower amount financed

reddit.com
u/Careless-Shoulder-62 — 1 month ago