I Hate Selling Health Insurance

[kolyaboo]

I'm contracted w/Aetna, Assurant and UHC. I'm in TX, but hold licenses in other states. I just started like 2 months ago but I simply hate it. And it is getting SO expensive; in this economy people simply don't have the $$ or don't want to spend it. I feel I might as well be selling cars or houses; at least people will see something for the $$ they are spending.

I used to sell life and accident insurance (captive). I would like to go back, not captive. Any suggestions of who I should go through? And for those of you that are successfully making a living selling health, any words of wisdom for a health insurance newb?

 

[xrac]

If you don't like selling health then don't. Who were you captive with before and for how long?

 

[smokin goose]

I'm contracted w/Aetna, Assurant and UHC. I'm in TX, but hold licenses in other states. I just started like 2 months ago but I simply hate it. And it is getting SO expensive; in this economy people simply don't have the $$ or don't want to spend it. I feel I might as well be selling cars or houses; at least people will see something for the $$ they are spending. I used to sell life and accident insurance (captive). I would like to go back, not captive. Any suggestions of who I should go through? And for those of you that are successfully making a living selling health, any words of wisdom for a health insurance newb?

If you hate selling it, then do something else for sure. Life's to short. Best of luck.

 

[Tbryant44]

In this economy it's better to have a job that is steady and sell on the weekends and evenings. It's too much running around pressuring people that obvious have no money to pay for hardly anything. I left my steady captive job with AARP I am not sure it was worth it know I have to sit thru training online for AHIP etc.

 

[AllenChicago]

I was captive at Prudential for 10 years. It was good for training and discipline but I have no desire to return to that restrictive environment.

As a broker, you are free to get whatever your clients need. In regards to health insurance, it's much easier now than it was just 6 months ago. No health questions and Federal law says that everyone has to have it. Can't get much easier than that!
ac

 

[kgmom219]

Life is short. Way too short to do something everyday that you hate.

I'm in Dallas and all I do is Small Group Health, U65 Individual and Med Supp. I love what I do. I'm a single mom and I don't work nights or weekends,but I've been doing this as an independent for 12 years now, it takes a while. My leads have always come from networking and referrals. I haven't had luck with telemarketing, internet or DM. Which may be me. Or who I used. Or how quickly I responded to the texts on the internet leads. Who knows???

Not sure why you aren't contracted with BCBSTX, but that's who I use for individual. I used to have some on Aetna, for type 2 diabetics, but that's no longer an issue.

There are advantages to being captive, no question. Long term, you will be happier without big brother, but its a 3 year turnaround.

Right now, the online training is miserable, but that's life. Just get through it and be done.

If you are thinking Life Insurance, I would look at New York Life, Northwestern Mutual and Mass Mutual. Excellent training, but it also includes financial planning via life insurance.

Good luck! I hope you find something that makes you happier. Life really is too short to wake up miserable.

 

[kolyaboo]

kgmom, I sent you a private message.

 

[davewarnock]

I think being an independent broker is the only way to go- but that's all I've ever known so I can't speak to the captive experience. I just like my freedom and being able to add what I want and stay flexible and diversified. I focus on the senior market; selling Final Expense and Medicare products- MA plans and MedSupps. I think KGmom is right though. It takes a few years for the renewals to kick in.

 

[Blaize]

kgmom is spot on, it took me about 3 years too and I sell to a similar market.

 

[abuck10]

I'm contracted w/Aetna, Assurant and UHC. I'm in TX, but hold licenses in other states. I just started like 2 months ago but I simply hate it. And it is getting SO expensive; in this economy people simply don't have the $$ or don't want to spend it. I feel I might as well be selling cars or houses; at least people will see something for the $$ they are spending.

I used to sell life and accident insurance (captive). I would like to go back, not captive. Any suggestions of who I should go through? And for those of you that are successfully making a living selling health, any words of wisdom for a health insurance newb?

I can certainly understand the people telling you to wait it out and not doing anything hasty. But, sometimes it's for the better to take risks. I graduated from a state college in PA. I had a dead end job with the commonwealth that paid $12.50 an hour and I worked from noon to 9 pm every weekday. The job barely covered my student loan payments. On top of that, I commuted an hour and a half every day and the management really mistreated their entry level employees.
After trying to deal with it for a year, I decided to call it quits. I took a chance and left the job. Exactly a month after quitting, an online marketing/business consultation firm hired me. That was my first 'big boy job' and I'm still with the company. I have received several promotions, love my job, and thank god on a daily basis for not sticking it out with my former employer.
Sometimes, you just have to take a risk. But, only you can decide if the risk is worth it for you.