- 281
Hello, I have been asking advice and have been getting great advice that is helping me get closer to making a decision. Thanks to all who have shared their words of wisdom with me. I guess, now I wanted your opinion on a decision I'm thinking of going with and giving a clearer picture of my situation. I have talked to Monumental, MOO, Mass and Guardian recently and will be talking with North Mutual next wk, last one I plan on speaking to, then making a decision. well sort of at least in person, will talk to Health Choice later and Efinancial. One of the reason I don't want to go captive is because I have other business activities. Also, I would like the freedom to sell whatever line I feel fit once I know how to do it. With the career plan, it is definetely a full time commitment, right now I want to do it p/t to f/t but basically would like flexibility. Of all the ones I spoke to that would fit my situation it would be Monumental and Guardian, I can be non captive and they will still train me. Then later thinking of joining either with Health Choice One and or Efinancial to get more carriers. Monumental looks like they are not that strict in their underwriting. Guardian is giving 50% commission for whole life as broker, is that normal with them. Monumental is about 100%. But with all the talk about Mutual, Im feeling that if a client will be qualified for it , from what I"m understanding would be a better product but commission much less, at least with Guardian, that is the case. With Guardian, I would like to learn how to market their disability. If I do sell Monumental to families/friends do you think their products are good, not what kind, Im sure they will help me figure which one fits the client but I mean just the company products itself in general considering it is not mutual product ? What do you think of my plan? I know I've read quite a bit that to succeed one must really put alot of time in it. But I do want to sell it but just p/t to almost f/t for now but would still want to assured I'm selling my family and friends great products. Also what if I went straight to Health Choice or Efinancial,k do you think that alone will equip me enough to learn to sell insurance right? Sorry, I know this post is horribly long.
