Many agents put themselves in a precarious situation when they bet on revenue streams that are uncertain in order to meet obligations that are certain.  Often, we interview loan candidates that assume they will make a certain bonus or write a large life policy that will catapult them to a revenue amount that will allow them to get their estimated revenue figure.  However, using these assumptions to estimate the cash flow of a particular business venture should be avoided on the chance that there is a deficiency in the projected revenues. When constructing cash flow models, we always take a conservative approach in estimating the future revenues and expenses of the Allstate agency.

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