ATTN: Insurance agents/Brokers/Professionals

[Blueface]

I am on the other side of insurance - claims.
However, looking at what you have stated, if it were a different time in our lifetime, I would consider it.
Given the times we are in with the depressed economy, looks like you are going to be working for free for a while as your expenses will equal your revenue, unless you can generate more business.
The fact it is a small town is not bad unless the company constrains you from reaching out to neighboring areas. Some companies do that, others don't care as it makes it competitive and keeps those older agents, that are just living off their book, on their toes.
Frankly, tough decision only you can make.
I am personally just so frightened of where we are and where we have yet to go that I would prefer status quo over a risk, specially since your business can be impacted by folks not being able to afford insurance.