New to Insurance and this forum

[100% ETHICAL AGENT]

My name is Marcus and I'm new to the Insurance Industry. I just got my Florida life/health/v. annuities license and just started a whole new career. I'm in training right now (2nd week) and feeling overwhelmed by all the information that is being taught. I'm originally from the restaurant business and also have about 3 years of phone sales experience. I'm totally excited about the new career path i'm taking and KNOW that I'll be a very good agent once I establish some kind of system to keep organized. The health/life products i'm offering to clients is Assurant health/AIG Life/CI policies. I'm looking forward to being part of this forum and industry and have ALOT to learn from all of you. My training is top notch and the agency I work for is #1 in the country in AV. What is the best advice I could use for when I start making appointments to meet clients? Any suggestions from experienced top agents will be greatly appreciated. I work in Tampa BTW

 

[CHUMPS FROM OXFORD]

One suggestion...You may want to add another carrier (or two or three or four) to your portfolio of Assurant. It will make life easier for you.

 

[100% ETHICAL AGENT]

One suggestion...You may want to add another carrier (or two or three or four) to your portfolio of Assurant. It will make life easier for you.

I was told that I can only offer the products that my agency offers. I offer Assurant 1 Deductable plan, Maxlife, Core med max 25,000,000. It has AIG supplemental deductible insurance which kick's in when an accident occurs. It really like these plans and believe in them 100%. Anything that I should be aware of???

 

[nate124]

I was told that I can only offer the products that my agency offers. I offer Assurant 1 Deductable plan, Maxlife, Core med max 25,000,000. It has AIG supplemental deductible insurance which kick's in when an accident occurs. It really like these plans and believe in them 100%. Anything that I should be aware of???

Assurant may be great for some clients, however for others it may not work. I don't sell in Florida so I'm not aware how they are price wise there. I can tell you that in Michigan they are quite a bit higher than United Healthcare. Assurant however does have more lenient underwriting than United Healthcare... and in certain situations I'll place a client with them simply because I know it will be better off for them.

That's the main point here.... no 2 clients are exactly the same. Only offering 1 company makes it tough to always do what is in the clients best interest.

Are you by any chance working with "Americas Health Team"?? I know that they only sell Assurant. Why are you only allowed to sell 1 company? Are you being provided with leads??

 

[Crabcake Johnny]

I was told that I can only offer the products that my agency offers. I offer Assurant 1 Deductable plan, Maxlife, Core med max 25,000,000. It has AIG supplemental deductible insurance which kick's in when an accident occurs. It really like these plans and believe in them 100%. Anything that I should be aware of???

You should add Humana, Golden Rule and World to your portfolio. Assurant is not competitive at all in your area and will only make up around 10% of your book.

 

[moonlightandmargaritas]

It has AIG supplemental deductible insurance which kick's in when an accident occurs. It really like these plans and believe in them 100%. Anything that I should be aware of???

Yeah.

What happens to your client with the 10k deductible and the supplemental accident if they need to have their gall bladder removed? (that's usually not an accident)

 

[moonlightandmargaritas]

You should add Humana, Golden Rule and World to your portfolio. Assurant is not competitive at all in your area and will only make up around 10% of your book.

World is an inconsequential, third-tier player in Florida.

 

[Crabcake Johnny]

True - but my point is he should have all available appointments - include GTL also.

If you're going up against another agent it's easier to show the client that you're appointed with all the carriers and why you're recommending what you're recommending.

 

[somarco]

include GTL also

Are you referring to the Preferred Cat plan or something else?

Preferred Catastrophic Plan:
Health insurance to assist with larger medical expenses.

Maximum Lifetime Benefit of $1,000,000 per covered person

Calendar Year Deductibles from $25,000 to $50,000, in increments of $5,000*

Issue ages: 18-63 years old

Individual and Family coverage available

Guarantee Renewable (may vary by state)

Common Disaster Provision

Survivor’s Coverage

Beach Street PPO

100% coverage for in-network benefits

80% coverage plus an additional $5,000 deductible for out-of-network benefits

 

[loudee]

100% EA,

I wish you the best of luck. I'm also from the restaurant business and I'm just starting out as are you

Lou