Insurance industry advice needed: negotiate hard or bet on myself?

Need some honest advice from people in insurance/agency ownership.

I’ve been in insurance almost 10 years. I actually started in Medicare and life insurance sales before spending about 4 years at State Farm making 90k+ as a producer. The money was great, but the environment became very toxic, so I left for a healthier culture.

I’m now at an independent agency making 50k as a retention/personal lines account manager with some commission opportunities through cross sales. Since starting, my workload has expanded a LOT. I’m doing retention, account management, cross selling, helping with marketing/social media, and now taking on Medicare responsibilities as well.

The Medicare part isn’t new to me either. I actually have more experience in it than some people in the office and have been helping educate both the new business lines guy (who came in with zero experience) and even my boss at times.

At our quarterly meeting, the owners publicly praised me, called me one of their best hires, and had me lead a cross-selling Q&A panel despite being one of the newest employees there.

Here’s the issue: another employee told me this agency has a reputation for overloading employees while underpaying them. She said raises are rare and people tend to get stretched thin. I’m starting to worry that’s happening to me too.

On top of that, I also have an opportunity to open my own Farmers Insurance agency, which obviously comes with much bigger risk but also much bigger upside long term.

So realistically:
• What should I be asking for at my 90-day review?
• Is 50k too low for this workload/experience level?
• Would you stay where you’re valued culturally or take the leap into ownership?

TLDR: 10 years insurance experience, previously made 90k+ at State Farm, currently making 50k at an independent agency while handling retention, cross selling, Medicare, and marketing. Owners love me, but coworkers say they underpay/overwork staff. Also have an opportunity to open my own Farmers agency. Trying to decide whether to negotiate hard or bet on myself.