See above in bold.

@George CenSee responses in BOLD No need to collect SSNsA SSN is required to pull a credit report.

If he's relying on national statistics on commissions, he clearly has no experience with insurance and especially not with high cash value case designs.

What factors can I take into account that may assure me I would be ok, is there a population or statistic?  

The Memphis Realtors just published the following statistics for January 2016.

The older your tenants statistically the less they move, the younger statistically the more frequently they move.

January 2016 Houston Housing StatsHouston Real Estate Highlights in January Single-family home sales declined 2.1 percent compared to January, marking the fourth consecutive monthly decline;Total property sales were unchanged at 4,965 units;Total dollar volume was statistically flat at $1.2 billion;At 262,663, the single-family home average price reached its highest level ever for a January;At $200,000, the single-family home median price also achieved a January high;Single-family homes months of inventory climbed to a 3.3-months supply versus 2.5 months a year earlier;Townhomes/condominium sales rose 15.6 percent with the average price unchanged at $183,076 and the median price up 2.4 percent to $140,000;Leases of single-family homes rose 2.8 percent with rents up 4.2 percent at $1,742;Leases of townhomes/condominiums climbed 12.2 percent with rents up fractionally to $1,568.

Some interesting stats (and signs of a very strong real estate market) in this report published by the Pinellas Realtor Organization.I'm definitely seeing a very strong seller's market in St Pete, at all price points,...

In reviewing the latest Orlando Real Estate statistics, there is a concern that house prices are rising so fast that they are becoming out of reach for the average citizen.

research the crime statistics in the area?