Okay, let’s tackle this. So Susan Kern has a mix of skills that are valuable in the insurance industry, but not extremely rare. She has a certification in insurance, which is a good start. Location is Tarpon Springs, Florida, which might be a smaller market. According to the Bureau of Labor Statistics, insurance sales agents in the Tampa Bay area (which includes Tarpon Springs) have median salaries around $50,000. However, this doesn’t account for experience or certifications. Since Susan has a license, she might be able to charge slightly more. Let’s assume a 10% to 20% premium for her certification. This puts her rate around $75 per hour, which is on the lower end for an insurance professional with her experience and certification.