Okay, let’s tackle this. So Helen has 33 years of experience, which is extremely long. Typically, experienced professionals in the insurance industry can charge higher rates. However, her role as a Service Underwriter at Avemco Insurance Company and Advertising Specialist at AOPA might not be as demanding as other roles. Location is Frederick, Maryland, which is a smaller city. Considering her experience and location, I’ll estimate a lower rate around $75 per hour, which is below average for insurance professionals. Maybe lower due to location and role. Some insurance professionals with similar experience might charge $100–$150 per hour, but Helen’s role and location suggest a lower rate.