What is the best health insurance cluster to join?
I am currently in P&C and have a lot of clients looking for health insurance. I also have my health license.
What is the best health insurance cluster to join?
I am currently in P&C and have a lot of clients looking for health insurance. I also have my health license.
"Clusters" are a P&C thing. That concept does not exist on the L&H side.
You can appoint directly with most Health Carriers.
You can also appoint through an Upline of some type (FMO/IMO/BGA).
An Upline is similar to a Cluster. But you have no production requirements and you can write business outside of the Cluster freely.
Using an upline can be helpful. They should be able to provide expertise, quotes, etc. And sometimes even offer better comp vs. a direct appointment. But that can vary.
Talk to a few uplines, see who feels right. Check with the carriers about a direct appointment, then compare comp and service.
