Okay, let’s tackle this. So Ron Mathern has 25 years of experience as an insurance agent, which is a significant amount of time. Location is Bismarck, North Dakota, which is a smaller market. Insurance agents with his level of experience in the Midwest typically charge lower rates compared to those in larger cities on the East or West Coasts. I’ll look at national averages for insurance agents. According to the Bureau of Labor Statistics, the median annual salary for insurance sales agents is around $62,000. However, this figure doesn’t account for experience or location. A more relevant figure might be the average annual salary for insurance agents in North Dakota, which is around $70,000. Considering Ron’s 25 years of experience, I’ll estimate his hourly rate to be around $125, which is slightly higher than the national average but still reasonable for his location and experience level.