Okay, let’s tackle this. So Michael Hafen has 5+ years of experience as an insurance broker, which is a relatively entry-level role. His education from Brigham Young University - Idaho is solid, but not particularly prestigious. Location is Orem, Utah, which is a mid-sized city. Insurance brokers in this region typically charge lower rates compared to larger cities or those with a higher cost of living. According to national averages, insurance brokers with similar experience can charge around $50-$100 per hour. Considering his location and experience, I’ll estimate around $75 per hour.