The commission that insurance agents make are verrrrry lucrative, though that 30% figure does sound a bit over the top. However, and in all probability, she will ask you to pay the entire premium (sans discount) and then issue you a cheque for the difference amount. I know because I have been through this....my accountant is a pretty hard bargainer on deals.
If she is ready to put her words on paper, go for it! Some things in life may seem too good to be true, but they can be real.
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