Hi. I have no idea about stay at home businesses that are good. I am have decided that I would not bust my butt to help other people get rich. And I too think all of them are scams, but that's just me. I don't like the idea of giving companies money to get me a kit that I can sit on. Sort of a waste, I'm like you I am looking to make money not spend it on stuff that I have no interest in selling.
So needless to say, I wanted to jump in here and ask is there not something that you can do on your own maybe with the knowledge you have already? Lets be honest, your info sounds like you are very smart and have a lot of information to share, you have a college degree as well as info on insurance.
Check and see if maybe some mom and pop insuance company might give you a try. Did you do life auto, ect??? Maybe there is something that you can do from your home. I don't think AllState or big companies would have these but they might. Or maybe mutural fund companies who offer insurance. To find top companies check out JDPowers site.
What did you go to college for? Maybe there is something you learn there that you can offer to people. Even if it means opening up a business that you run with a basic web page and shopping cart. If you were willing to buy a kit for $100 from these scam businesses you can start your own business for yourself and run your own way.
Just a thought, because the fact is that no job is going to give you what you want. If they existed don't you think that everyone would opt to stay at home selling makeup or tupper ware?
You won't go wrong or make a bad choice for your family if you invest in yourself. Think about it and best of luck
L.