Agent Licensing test is hard

[Allen Trent]

The issue imo that the authors disregarded is the many different niches of insurance it allows an agent to sell.

While I am not a huge fan of excessive regulation, you might be on to something. In PC( at least in Michigan), there is Personal Lines PC or the full PC license. So, can't sell or legit service Farm, Commercial, WC,BAP,etc without the full license. Life basic if it became your trademark could maybe handle term life, then maybe mid level term & Final expense, then advanced term, WL, UL, IUL, Annuity.

The reason I cringe though is all the new annuity regs to control the bad agents & bad carriers (suitability & best interest), were intended to protect lower knowledge consumers. In reality, it has kept those same less knowledgeable savers with little to invest from having any place to easily save as those most knowledgeable about annuity can't make money on anything other than large existing rollovers or already existing large sums saved elsewhere currently

Edit-- carriers would not want layered licenses. Can you imagine those carriers or IMO having to police if someone had correct level of license to sell their basic or complicated products

 

[Allen Trent]

Define old . . .

I believe the current definition of diversity goes beyond the reflective qualities of your skin, and includes (but not limited to) . . . gender (assigned at birth or perceived), religion (including the right to believe in nothing), national origin (even if you don't know where you originated), age ( you may be 70 and feel like you are 40, or 40 and feel like you are 70) . . . the list is virtually endless.

Of course, only a neanderthal wouldn't support that diversity.........but is the test harder for those diverse people, person's, etc, etc

 

[Tahoe Ray]

Wait, if I move to a new state, I have to take the exam again to have my state residence in that state? That is what the article seemed to imply...

You don't so I have no idea what that guy is talking about.

Also, of course Anthony Martin is quoted. He's a PR machine.

 

[Cornelius]

The way the market is changing there probably will be some changes. Today agents can send a potential client a link and the client can basically sign themselves up for a life policy.

Same with disability and Medicare plans with the Healthserpa referral program coming. Is licensing required or needed to refer? Times are changing.

 

[somarco]

The way the market is changing there probably will be some changes. Today agents can send a potential client a link and the client can basically sign themselves up for a life policy.

Same with disability and Medicare plans with the Healthserpa referral program coming. Is licensing required or needed to refer? Times are changing.

Just like the self service lane at retail stores . . .

 

[somarco]

.but is the test harder for those diverse people, person's, etc, etc

SAT and other college entrance exams were revised a few years ago because minorities did not score as well as caucasians.

Black and Hispanic or Latino students routinely score lower on the math section of the SAT — a likely result of generations of exclusionary housing, education, and economic policy — which too often means that, rather than reducing existing race gaps, using the test in college admissions reinforces them.
SAT math scores mirror and maintain racial inequity

Many police and fire departments have made changes in performance tests in order to accommodate women who may not be as fast or strong as the male counterpart.Bonus question, if you are trapped in a burning building would you prefer to be rescued by a man or a woman?


High rates of obesity in the United States is threatening the readiness of the U.S. military and recruitment efforts.

The percentage of eligible recruits who exceed the military's percent body fat standards has doubled for men and tripled for women since 1960

In addition, only two in five young adults are both weight-eligible and adequately physically active for the challenges of basic training,
https://www.clubindustry.com/indust...ten-us-military-readiness-recruitment-efforts

By accommodating those who were unable to qualify for college, first responders, military service, etc . . . and now insurance agents, has the quality suffered and is that OK as long as we are diverse?

The current WH resident brags about having the most diverse cabinet and has pushed the military to be more diverse and inclusive.

It could be me, an old white guy, but I would rather have COMPETENT first responders, medical personnel, and the military vs folks who reflect diversity but lack the necessary skill set to perform their duties.

 

[toolbelt]

It wasn't too long ago that certain MLM type agencies used legal (at that time) temporary licenses to "hire" thousands of part-time agents to peddle their junk on the premise of earning a 6 figure income working 20 hours per week.

"It has been challenging for many of my potential agents to pass the life producer basic exam," said Dr. Malinda Williams, a personal and financial coach."

Looks like she just wants to make it easier to fill seats at one of her coaching seminars?

 

[goillini52]

SAT and other college entrance exams were revised a few years ago because minorities did not score as well as caucasians.

Black and Hispanic or Latino students routinely score lower on the math section of the SAT — a likely result of generations of exclusionary housing, education, and economic policy — which too often means that, rather than reducing existing race gaps, using the test in college admissions reinforces them.
SAT math scores mirror and maintain racial inequity

Many police and fire departments have made changes in performance tests in order to accommodate women who may not be as fast or strong as the male counterpart.Bonus question, if you are trapped in a burning building would you prefer to be rescued by a man or a woman?


High rates of obesity in the United States is threatening the readiness of the U.S. military and recruitment efforts.

The percentage of eligible recruits who exceed the military's percent body fat standards has doubled for men and tripled for women since 1960

In addition, only two in five young adults are both weight-eligible and adequately physically active for the challenges of basic training,
https://www.clubindustry.com/indust...ten-us-military-readiness-recruitment-efforts

By accommodating those who were unable to qualify for college, first responders, military service, etc . . . and now insurance agents, has the quality suffered and is that OK as long as we are diverse?

The current WH resident brags about having the most diverse cabinet and has pushed the military to be more diverse and inclusive.

It could be me, an old white guy, but I would rather have COMPETENT first responders, medical personnel, and the military vs folks who reflect diversity but lack the necessary skill set to perform their duties.

Didn't they "bend the rules" to get O'bama into Harvard?

Math is now racist.

'Math is racist' crowd runs rampant in Seattle, Portland | Opinion

 

[rmhaire]

SAT and other college entrance exams were revised a few years ago because minorities did not score as well as caucasians.

Black and Hispanic or Latino students routinely score lower on the math section of the SAT — a likely result of generations of exclusionary housing, education, and economic policy — which too often means that, rather than reducing existing race gaps, using the test in college admissions reinforces them.
SAT math scores mirror and maintain racial inequity

Many police and fire departments have made changes in performance tests in order to accommodate women who may not be as fast or strong as the male counterpart.Bonus question, if you are trapped in a burning building would you prefer to be rescued by a man or a woman?


High rates of obesity in the United States is threatening the readiness of the U.S. military and recruitment efforts.

The percentage of eligible recruits who exceed the military's percent body fat standards has doubled for men and tripled for women since 1960

In addition, only two in five young adults are both weight-eligible and adequately physically active for the challenges of basic training,
https://www.clubindustry.com/indust...ten-us-military-readiness-recruitment-efforts

By accommodating those who were unable to qualify for college, first responders, military service, etc . . . and now insurance agents, has the quality suffered and is that OK as long as we are diverse?

The current WH resident brags about having the most diverse cabinet and has pushed the military to be more diverse and inclusive.

It could be me, an old white guy, but I would rather have COMPETENT first responders, medical personnel, and the military vs folks who reflect diversity but lack the necessary skill set to perform their duties.

SAT and other college entrance exams were revised a few years ago because minorities did not score as well as caucasians.

Black and Hispanic or Latino students routinely score lower on the math section of the SAT — a likely result of generations of exclusionary housing, education, and economic policy — which too often means that, rather than reducing existing race gaps, using the test in college admissions reinforces them.
SAT math scores mirror and maintain racial inequity

Many police and fire departments have made changes in performance tests in order to accommodate women who may not be as fast or strong as the male counterpart.Bonus question, if you are trapped in a burning building would you prefer to be rescued by a man or a woman?


High rates of obesity in the United States is threatening the readiness of the U.S. military and recruitment efforts.

The percentage of eligible recruits who exceed the military's percent body fat standards has doubled for men and tripled for women since 1960

In addition, only two in five young adults are both weight-eligible and adequately physically active for the challenges of basic training,
https://www.clubindustry.com/indust...ten-us-military-readiness-recruitment-efforts

By accommodating those who were unable to qualify for college, first responders, military service, etc . . . and now insurance agents, has the quality suffered and is that OK as long as we are diverse?

The current WH resident brags about having the most diverse cabinet and has pushed the military to be more diverse and inclusive.

It could be me, an old white guy, but I would rather have COMPETENT first responders, medical personnel, and the military vs folks who reflect diversity but lack the necessary skill set to perform their duties.

Since you're talking about the military. We need this guy.

 

[toolbelt]

Should there be a high bar to sell a 20y term policy or $20k FE policy? Probably not.

Should there be a high bar to sell a $1m Annuity? Most definitely.

Without proper testing, how would a representative know which product is the best solution?