The author of a Reddit post speculates that Allstate's upcoming 3-tier system, planned for 2028, is designed to reduce commissions and force out the bottom 50-75% of agents who focus on renewals...

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  "company": {
    "name": "Allstate",
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    "summary": "The author of a Reddit post speculates that Allstate's upcoming 3-tier system, planned for 2028, is designed to reduce commissions and force out the bottom 50-75% of agents who focus on renewals and customer retention.",
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    "comments": [
      {
        "url": "https://www.reddit.com/r/InsuranceAgent/comments/1wthulj/comment/pcubtyh/",
        "depth": 0,
        "score": 11,
        "author": "The-JudgeHolden",
        "excerpt": "I really think corporate has no clue what they want. Any framework on this program they have now will likely change 100 times before they roll it out.",
        "posted_at": "2026-09-29T18:31:28.000Z",
        "author_url": "https://www.reddit.com/user/The-JudgeHolden/"
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      {
        "url": "https://www.reddit.com/r/InsuranceAgent/comments/1wthulj/comment/pcvy86f/",
        "depth": 0,
        "score": 8,
        "author": "LongjumpingDish2956",
        "excerpt": "This new concept of “write non-stop and customers leaving be dammed” that all of the captives are doing to their businesses are crazy.\n\n This is how you wind up with a neutral at best or negative at worst enterprise wide policy gain count after a few years when your rates aren’t competitive enough and everywhere you insure only came over because of price.\n\n It’s short sighted, gives a boost for ma",
        "posted_at": "2026-09-29T22:38:33.000Z",
        "author_url": "https://www.reddit.com/user/LongjumpingDish2956/"
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      {
        "url": "https://www.reddit.com/r/InsuranceAgent/comments/1wthulj/comment/pcvcxrj/",
        "depth": 0,
        "score": 6,
        "author": "Icy-Key628",
        "excerpt": "I don’t think this really changes anything that wasn’t already in place 5 years ago. It’s been well known that Allstate wants to push out agents who treat the book as an annuity, they want agents doing as little service as possible focusing on selling, and then selling some more. The mega agencies that hit VC every month and are a new business machine, will continue to thrive and be better than ev",
        "posted_at": "2026-09-29T21:01:03.000Z",
        "author_url": "https://www.reddit.com/user/Icy-Key628/"
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      {
        "url": "https://www.reddit.com/r/InsuranceAgent/comments/1wthulj/comment/pcvg5b0/",
        "depth": 0,
        "score": 6,
        "author": "Expert_Alternative75",
        "excerpt": "As someone who worked for corporate, they are pushing to get rid of all agencies and replace them with what they call stores. Everyone will be paid a salary and they will stop paying commission and only give a bonus based off a tiered point system.",
        "posted_at": "2026-09-29T21:14:51.000Z",
        "author_url": "https://www.reddit.com/user/Expert_Alternative75/"
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      {
        "url": "https://www.reddit.com/r/InsuranceAgent/comments/1wthulj/comment/pculzle/",
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        "author": "KitchenCup374",
        "excerpt": "Definitely makes me wonder about sales hunters agencies here in Florida. I imagine some are able to sell in other states, quote low coverage policies, or something else. With the way Allstates rates are at the moment (in FL anyways), these sales hunters agencies are pretty much incentivized to shoot for VC each month and not even bother with retention.\n\n How sustainable this is? Not sure. I get th",
        "posted_at": "2026-09-29T19:11:54.000Z",
        "author_url": "https://www.reddit.com/user/KitchenCup374/"
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      {
        "url": "https://www.reddit.com/r/InsuranceAgent/comments/1wthulj/comment/pcx4zjl/",
        "depth": 0,
        "score": 2,
        "author": "TheHooodge",
        "excerpt": "Allstate’s lack of leadership has produced some of the best independent agents for decades",
        "posted_at": "2026-09-30T02:13:35.000Z",
        "author_url": "https://www.reddit.com/user/TheHooodge/"
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      {
        "url": "https://www.reddit.com/r/InsuranceAgent/comments/1wthulj/comment/pcuacav/",
        "depth": 0,
        "score": 1,
        "author": "dumnem",
        "excerpt": "You're probably not wrong. I don't even have P&C, but from what I've seen on this forum and heard from professionals and videos in the industry, it ain't looking good. I would be very nervous if I was working for allstate, state farm, etc. Basically any P&C captive is about to get squeezed, and since agencies are getting squeezed, the agency will probably slash their renewals etc because you don't",
        "posted_at": "2026-09-29T18:25:36.000Z",
        "author_url": "https://www.reddit.com/user/dumnem/"
      },
      {
        "url": "https://www.reddit.com/r/InsuranceAgent/comments/1wthulj/comment/pcykje9/",
        "depth": 0,
        "score": 1,
        "author": "Samwill226",
        "excerpt": "IMO the Nat Gen product does so well in independent agencies, I think they'd probably prefer to put attention there and push their agencies out which cost them way more per dollar they take.",
        "posted_at": "2026-09-30T07:57:54.000Z",
        "author_url": "https://www.reddit.com/user/Samwill226/"
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      "[post] It feels like the upcoming changes for 2028 are a cheaper way of weeding out the bottom 50-75% of agents.",
      "[post] Essentially, the commissions will probably be so low that long-term agents riding renewals, focusing on customer retention, and unwilling to be sales hunters will fail and be forced to TPP (which will also be reduced, making it cheaper for Allstate the buy them out).",
      "[post] All speculation, but it just seems like the direction they are going, along with the industry as a whole."
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    "post_text": "It feels like the upcoming changes for 2028 are a cheaper way of weeding out the bottom 50-75% of agents. Essentially, the commissions will probably be so low that long-term agents riding renewals, focusing on customer retention, and unwilling to be sales hunters will fail and be forced to TPP (which will also be reduced, making it cheaper for Allstate the buy them out). Meanwhile, the top 10% of agents focused strictly on sales and that hand over all service work to corporate + ALLIE (AI system) will likely make more and VC will probably see a further increase.\n\nIt seems like the cheapest way to just slowly fire traditional agents and just focus on only having sales hunters?\n\nAll speculation, but it just seems like the direction they are going, along with the industry as a whole. Lots of family agencies that built up books over the last 20-40 years are in for a rude awakening I think.",
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    "post_title": "Allstate's New 3-Tier System",
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    "source_url": "https://www.reddit.com/r/InsuranceAgent/comments/1wthulj/allstates_new_3tier_system/",
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