Help an Aspiring Agent

[maximas]

roccosoprano - You certainly bring up some valid points. I do not think Aflec is captive, in that I can sell whatever I like(if I understand the exact meaning of the term). As far as E&O, I know I have to cover this myself. They advance the money to you after the sale, and then you are paid a monthly stipend for the rest - I think it is 65% %35. And cold calling does not bother me in the least. I know this is what I want to do, I just want to make good decisions early on; as I have already wasted so much time in my present career.
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By the way, I was told the average Aflac agent makes 45k his first year. Does this sound high to anyone else? I will say this, the commissions are very good.

 

[detrickbell]

First of all, what a wealth of knowledge this site is for the aspiring insurance agent. My question is basically, and I know that everyone on here seems to think poorly of AFLAC, but would it serve me well to go ahead and accept a job with them to get some practical sales experience? I currently have none. Since they will hire anyone that breathes, I figure I am a shoo-in, as I am currently breathing.

In the long-term, I would like to work in an agency such as Farm Bureau. This leads me into my next question. Can a person get hired in such an agency without taking on ownership of the agency? I have read a few posts that seem to lead one to believe this is the case – an agent signifies at least some amount of ownership. At some point, ownership would be great, but that would be years down the road.

And finally, how much would it help me if I got my property and casualty plus health and disability licensing? Would this give me a heads up? Thanks in advance!

As the concept expands in the marketplace
through this decade, we can
envision that subscribers to prepaid
legal plans may jump to a level of approximately
five million participating
families, roughly five percent of the
available U.S. market. At this point, the
concept will no longer be considered
novel and the growth of plans in the
decade 2010 to 2020 should increase​

even more dramatically

hey maybe you should take a look at legal insurance it is growing and expanding so fast and pays every well. To see more about go to my website in my profile. That's a quote from broker world so good luck.

 

[xrac]

roccosoprano - You certainly bring up some valid points. I do not think Aflec is captive, in that I can sell whatever I like(if I understand the exact meaning of the term). As far as E&O, I know I have to cover this myself. They advance the money to you after the sale, and then you are paid a monthly stipend for the rest - I think it is 65% %35. And cold calling does not bother me in the least. I know this is what I want to do, I just want to make good decisions early on; as I have already wasted so much time in my present career.
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By the way, I was told the average Aflac agent makes 45k his first year. Does this sound high to anyone else? I will say this, the commissions are very good.

When I know for a fact that AFLAC agents come and go like flies I have to say no way.

 

[moonlightandmargaritas]

I was told the average Aflac agent makes 45k his first year. Does this sound high to anyone else?

Somebody's blowin' smoke up your skirt.

Cut your number in half, and then take 80% of what's left, and I think you'll have a little more accurate number...

 

[xrac]

Somebody's blowin' smoke up your skirt.

Cut your number in half, and then take 80% of what's left, and I think you'll have a little more accurate number...

I agree with Moonlight!

 

[TDY418]

I have been down that road with AFLAC last year for about 6 months, its a tough business cold calling companies. If you have a network of business owners you may get off to a great start. I found companies are a little hesitant with the current economic climate to allow you to give there employees the presentation. They don't want any additional benefits coming out of employee checks. Here in Atlanta the market is flooded with AFLAC agents and they come and go just as previously stated. I would PASS, find a company maybe CAPTIVE to get the training and then branch off as an independent agent if you feel that you can be successful in the business.

 

[maximas]

Somebody's blowin' smoke up your skirt.

Cut your number in half, and then take 80% of what's left, and I think you'll have a little more accurate number...

I agree completely. Here in Indiana, I am thinking I might not be doing even that well. Especially when you consider the number of lost jobs this area has seen over the last two years.
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TDY418 - I take it you no longer work for them? I did ask if the this market was flooded and the guy said that there were not enough agents... that's a little scary, I think.

How was the training? Was it at least decent? If I can get something positive out of this I will probably do it. I know I am certainly not going to get rich - this much I am clear.

 

[TN101]

I looked into AFLAC myself and ran while I could still afford a pair of shoes. Moonlight had the most accurate response. Ran into a guy who used to work for them and he confirmed it.

 

[xrac]

I agree completely. Here in Indiana, I am thinking I might not be doing even that well. Especially when you consider the number of lost jobs this area has seen over the last two years.
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TDY418 - I take it you no longer work for them? I did ask if the this market was flooded and the guy said that there were not enough agents... that's a little scary, I think.

How was the training? Was it at least decent? If I can get something positive out of this I will probably do it. I know I am certainly not going to get rich - this much I am clear.

Maximas, what is going on with you with your position search?

 

[maximas]

I've decided that I am going to go the independent route. I kind of like the idea of being my own boss. I have been talking to Assurant about an appointment. Of course, I can sell the Duck if I like. Now I really need to find a good company to sell life insurance for – any suggestions?

Is there a one-stop shop where I can get appointed through a whole host if insurance companies?