Okay, so Joni is an Independent Insurance Agent with 6+ years of experience. In the insurance industry, agents with similar experience and in similar roles can charge around $40-$75 per hour, depending on location and industry demand. Since Joni is based in Mesa, Arizona, her rate might be slightly lower than the national average. Let’s consider the average hourly rate for insurance agents in Arizona, which is around $40-$60. Given her experience and role, I estimate Joni could charge around $45 per hour.