Okay, let’s break it down. Paul Kelley has 25 years of experience in insurance, which is a significant amount of time. He’s held a management position since 1999, which suggests he has strong leadership skills. His skills in strategic planning, process improvement, and management consulting are also in demand. Considering his experience and skills, I would estimate his hourly rate to be around $125, which is below the national average for insurance professionals with similar experience. However, it's worth noting that this is an estimate and actual rates may vary depending on various factors such as location, industry demand, and specific job requirements.