Okay, let’s calculate this. Janet has 32 years of experience as an insurance agent, which is a significant amount of time. According to the Bureau of Labor Statistics, insurance agents with 10-19 years of experience can earn around $40,000-$60,000 per year. However, Janet's experience is over 32 years, which puts her in a higher salary range. Considering her location in Colorado Springs, Colorado, and her expertise in insurance, I would estimate her hourly rate to be around $125, which translates to $80,000-$100,000 per year. This rate is slightly lower than the national average for insurance agents, but it's still a competitive rate considering her experience and location.