Insure All, the insurance company where you work frequently downgrades policyholders' claims without cause simply to lower the amount of the entitled payout. You believe this is both unjust and unethical and decide to become an independent agent. Your sales pitch to potential policyholders will likely include a

chart showing how payouts affect your profitability.

request for a waiver of liability if payouts are reduced.

commitment to honoring the full terms of every policy.

discount for those who submit fewer claims.