What you're thinking of is a unique oppurtunity, something that has never been done before. We can not help you with that. Use your own creativity. Coming up with the perfect idea is 60% of the process.
Now, I do think if you choose to try insurance agency you could make yourself a fortune. A lot of small bussinesses have gone bankrupt, so the future is open to new bussinesses. You'll get a continuous cut of 20% for every insurance you close. In The Netherlands you need a few courses, but you can do it without. If you are commercial enough, you could try this, but no education is no chance.
But I must warn you, setting up your own bussiness is always a 16 hour a day job. Not everyone has what it takes to do it.
Get-Paid Team
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