Advice & Help Wanted!

[chicagorep]

I am new to the industry and to this forum. I am seeking advise as to the best path to success. I find myself questioning whether to take the path of Life Ins. or Health Ins. or both?
Is it best to focus on Individual or group plans?
Is it best to start out as an independent or to go captive for the learning curve?
In going captive, who are the best ones to work for?

Any words of wisdom would be greatly appreciated!

 

[yabba]

In starting out,I recommend the captive route since
training is of paramount importance and agent financing
more available than going independent. Like blue collar:
American Income Life or Combined Insurance. White
collar: Northwestern Mutual or EquitableAxa just as a couple
of suggestions.

 

[insuranceexec]

What do you do Yabba?

 

[yabba]

I'm an indepentent agent and have focused on the final
expense market last eight years. Before that I was with Combined Insurance Company in the 7th essential
(A&H) division. With Combined, I really developed a
good work ethic and simple business skills. Most
importantly a sense of "call to action" that has carried
over since then. What's your gig insurance exec?

 

[gzpxyj]

I am new to the industry and to this forum. I am seeking advise as to the best path to success. I find myself questioning whether to take the path of Life Ins. or Health Ins. or both?
Is it best to focus on Individual or group plans?
Is it best to start out as an independent or to go captive for the learning curve?
In going captive, who are the best ones to work for?

Any words of wisdom would be greatly appreciated!

If you can find a mentor, go independent, Otherwise, go captive as a stepping stone.

 

[nka245]

I think it is best to research which one you think you can sell yourself on. My belief is that you have to be sold on whatever you are selling in order for the confidence to shine through.
You won't find a dentist milking a cow...
So what do you think you feel more comfortable with, health or life?
Do you want to start out salaried or do you think your sales skills will allow you to be earning enough in commissions to support your lifestyle?
Do you like to work independently or do you need a lot of direction?
How much do you have to invest into your business?
Write down the pros and cons of each along with answering the aforementioned questions and you should have an answer. Let us know which way you decide to go. I'm curious. Good luck to you!

 

[xosephchu]

Most agents start from their natural market. You may like to study the needs of the natural market to decide which product to focus on first.

If you have netowork with business owners, you can start with group insurance.

 

[hlink20]

I am new to the industry and to this forum. I am seeking advise as to the best path to success. I find myself questioning whether to take the path of Life Ins. or Health Ins. or both?
Is it best to focus on Individual or group plans?
Is it best to start out as an independent or to go captive for the learning curve?
In going captive, who are the best ones to work for?

Any words of wisdom would be greatly appreciated!

I suggest starting with individual sales and then move into group sales after you have built a solid educational foundation. Individual sales will enable you to obtain solid technology, like quoting and enrollment engines, which will make your sales process easier. When you enter the group markets, companies like Quotit can assist with group quotes.