Hello! Former HO employee to hopeful new agent

Jul 18, 2019

  1. HOtoAgent
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    HOtoAgent New Member

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    Hi, everyone!

    I am a former home office employee hoping to start a second career in life insurance sales. I live in beautiful Durham, NC.

    I started my career as an Agents' Compensation service rep and worked my way through several different positions in my company, eventually becoming a life underwriter (my favorite job, so far!)

    I stepped away from my career to become a caregiver to an elderly relative and a stay-at-home, homeschooling mother. My son is almost finished with his high school studies, and I am excited to start a new career in an industry I love. I am still a caregiver, so I am hopeful that I will have a little flexibility in my work schedule to handle medical appointments (1-4 visits/month, 2-3 hrs max/visit) while still working full-time. I think my experience as part of an "overlap" cohort of middle-aged parents who are also caring for their own parents gives me a unique outlook on financial planning in general and life insurance needs in particular.

    My eyes are open to how challenging this field is, but I love a challenge and I'm passionate about life insurance as an important financial tool. My end goal is to have my own independent agency, with the opportunity for my son to follow me into the business if he wishes. I would love for my husband to be able to retire in 10 years while I continue to work so that he has the time to follow his dreams, just as he did for our family and our dream to homeschool our child.

    I want to thank you all so much for all the knowledge you so freely give on these forums! I have learned so much already, and my reading list is packed with great recommendations. I particularly appreciate all the sales and lead development recs and tips, as sales is a new endeavor for me. I hope one day I can return the favor with some knowledge of my own!

    All the best,
    Gabrielle
     
  2. shonceman
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    shonceman Guru

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    God bless you for making it your priority to serve your family. Hope you find enjoyment and satisfaction in your next season. Welcome to the Forums!
     
  3. goillini52
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    goillini52 KeepAmericaGreat...Eat Bacon & BUILD THAT WALL!!!

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    I'm sorry, but your username made me do a double take and laugh. :twitchy:

    Insurance agents come from all walks of life. :yes:

    Will you be selling traditional life insurance? :huh:

    Welcome to the Forum and best of luck in your new career!!! :)
     
  4. HOtoAgent
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    HOtoAgent New Member

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    What, you mean I can't just set up on the corner and let the "leads" roll in?
    Lord, have mercy. I really should have caught that, huh? :D Well, at least we both (and probably many future users, good grief) got a good laugh at my expense!

    Traditional life insurance is my initial, primary focus simply because it's what I know and I don't want to attempt a whole passel of new things at once in the interest of efficiency, since I will be brand new to sales. However, I'm definitely open to other products and I am thinking about possibly getting my series 6 and 63 in time. I'm sure a lot will depend on what sort of agency I contract with initially. I'm still researching the pros and cons of captive/semi-captive/IMOs as a new agent (although my agents' comp rep experience makes me wince at the commission rates captives receive...)

    Thanks for the welcome and for making me truly LOL!
     
  5. goillini52
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    goillini52 KeepAmericaGreat...Eat Bacon & BUILD THAT WALL!!!

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    With your experience, you should have a "leg up on the competition". :biggrin:

    Seriously with your underwriting experience, that gives you a huge advantage over most new agents. Underwriting seems to be one of the hardest things for new agents to learn.

    It would be much better for you if you go independent, unless you need some hand holding. :yes: