Okay, let’s break this down. Benjamin has a solid skill set, but it’s not extremely rare. He has a degree from the University of Arkansas, which is a decent institution. His experience in insurance and related fields is also common. However, his proficiency in strategic planning, financial analysis, and risk management makes him somewhat more valuable. Considering his skills and education, I’d place him in the middle of the pack for insurance professionals. A rate of $125 per hour seems reasonable, taking into account the average rates for insurance professionals with similar skills and experience.