Asurea Group

At the risk of multiple beatings, I will share my current experience with Asurea. The company has gone through a lot of changes over the past year and many of the things that are in this thread are no longer the case. Agents are now 1099 and commissions are not assigned. There is a lower commission rate structure, meaning that you will not make street if you are with them. The leads are in-house and are indeed good. They are not sold to more than one agent and are priced reasonably. The B leads are free and everybody has worked them to death, but I still set a few when I try them. The training is pretty good, well at least for me it has been but that will depend on your up-line. I think if you need training and are willing to exchange a portion of commission for a little structure, then it could be a great company for you. As in life there are many paths you can take and a lot of guys in here will tell you to go independent. If you already know how to sell insurance and are a great self motivator then that might be the right path for you but it is not for everyone so with that said I wish you all well in whatever you choose.

Now let the beatings commence.

Yeah man! If you need the hand holding, they're a good place to start.

Most agents eventually want a raise and will leave them once they are no longer in need of training... just seems to be the nature of the beast!

When your self motivation kicks in and you are ready for Higher contracts and BETTER carriers, I know where you can get that along with a Fixed Cost $26 DM lead that mentions life insurance on it... in YOUR state!

I think most of us on here would rather help you than heckle ya!:GEEK:
 
Outfits like this are a good choice for the new agent, imho. Why? Because most enter and leave this business with nothing but lead bills on their credit cards. With this, the newbie will get access to subsidized leads and a salary to offset their cost, plus training, support, etc. If after a couple months in the field, he/she realizes this ain't for them (like most do), at least they can move on "even" or better. Certainly not the case for most.

And if they do realize this is the business for them? They can come on here and give themselves a healthy raise that very day the light bulb goes off. So what if you leave some renewals behind? Just look at it as the price for your education and the insurance premium to eliminate the risk (which you will make up quickly with your much improved FYC's and renewals). There are no free lunches.

So you roll the dice with this outfit and they win (i.e, you are good), do you really lose? You will hit the street as an independent with money, knowledge, and confidence (the right way to go indy, imo). Sounds like winning to me. :biggrin:
 
A lot of guys on here "beat up" guys who start off at shops were they might make 50% and have there lead cost greatly financed or maybe even fully paid for and they get to spend months having there hand held. There's a price to pay for education. It's just like a real estate agent who starts off at a 50-50 split versus a 90-10 for a top agent in an office.Now obviously many of the bucket shops give 50% ,charge $32 for a lead and provide crap training. Thats were a person needs to do his research. Without early training few people have a chance to make it.Theres no doubt lead cost is a killer in this game starting out.
 
I worked with Asurea for awhile and moved over to another company only because the manager that I was working with moved, and I felt that I couldn't work with the guy they put me with. I was buying my leads from them and had a high, 105% contract. As a whole, I found the company responsive and good to work with. If I was starting out now, I would go with a contract that supplied leads to me until I could build a war chest and start buying my own. I found that unless you have a lot of start up money, lead costs can kill your enthusiasm for this business.

I was addicted to the Hokey Pokey, then I turned myself around
 
In this and any business lack of cash flow is a killer. If you have a family and need $5k a month to survive how are you going to survive the initial months if you have little savings and big lead costs while you're learning?Throw in charge backs and you're dead.Imho without $10k or more savings few with a family have a chance to suceed in this.
 
If you want to open your own business, best advise is to first go work for someone in that business to learn the ropes.

Second advise is similar to starting a business out of your garage, don't quit your day job, don't put all your cash flow, home, everything you have, at risk.

Third, don't treat your own business like a job.

Starting off with free leads and lower contracts is a good way to get started, just watch out for the koolaid, and don't accept 'abuse' like getting stuck with a territory 2 hrs from home, accepting requests for free labor calling resumes, training people who won't be in your downline, or owing back all advances when you leave.

At AIL I received good training, but...see above. .
 
Are you running Final Expense with them or Mortgage Protection or some combination?
I am currently working mostly MP. My plan is to get good at that and then pepper in the FE, so I can be working all day and not just in the evenings. I am in a rare position in this industry in that I have another sales job that pays very well when I work but don't work often for that job. So the money is not as big of an issue for me. Besides my wife is a doctor (hence my user name). For me the training is the key to my long term success and I am more than willing to take a pay cut to get it.

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If you want to open your own business, best advise is to first go work for someone in that business to learn the ropes.

Second advise is similar to starting a business out of your garage, don't quit your day job, don't put all your cash flow, home, everything you have, at risk.

Third, don't treat your own business like a job.

Starting off with free leads and lower contracts is a good way to get started, just watch out for the koolaid, and don't accept 'abuse' like getting stuck with a territory 2 hrs from home, accepting requests for free labor calling resumes, training people who won't be in your downline, or owing back all advances when you leave.

At AIL I received good training, but...see above. .
Funny, we have two AIL guys in our office and it is a new office so that is a pretty high percentage.
 
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