New to Insurance and this forum

[xrac]

Im sorry if I came off wrong.... i apoligize whole heartedly. I'm listening loud and clear now.

100% there is hope for you after all. My advice is to scour this and other forums and read and understand as much as you can. Also talk to any companies in your area that you ay find of interest.

 

[100% ETHICAL AGENT]

One thing you could do . . .

Stay with these folks for a few months and learn the business (but do it the right way, not by drinking the Kool Aid).

You should have a feel for it in 90 days or less. Once you are ready to leave the nest, you have your intense (BS) training and a little bit of experience. If they lock up your contract with Time for 6 months or so, no big deal. They aren't competitive any way.

So you get appointed with, and write with other carriers after leaving the nest.

Thanx for the heads up.....I will use this advice and check in here for any questions i may have.

 

[Mr C]

Holy Cow.... I haven't been posting much lately but had to on this one. To Mr Ethical Agent..... you're being trained WRONG. Humana is a great plan, and it is a Florida State filed plan, now knowing ALL you know... I'm sure you know what that means. You're being taught that Assurant is everything to everyone, and it is not. I can say that because I am a TPC with Assurant and do write a lot of it, but there is no way I would try to compete with Humana in Florida. And 25 million is nothing more than a sales tool. 2 to 5 million is plenty. And how can I say that???? Well, being in the business 20 years, being a pre-licensing instructor, being a continuing education instructor.. all for LifeHealth and P&C, plus I KNOW Health Agent LOL, I think I know what I'm talking about. And you should be listening to these guys on here, they know the business and have no interest in steering you the wrong way to make over-rides on you, unlike your managers where you are now.

 

[mcday]

Good Luck Marcus!

If you can survive the first 6 months, that's a pretty good sign that you've got a chance to make it.

I would suggest you check out John's blog for a quick start. He was a lot of help to me when I started out.
Independent Health Insurance Agent

 

[HomeService]

I used to sell major medical in 1988. It was like $500 deductible or $1000, then 80/20% to $5000, then 100% after that. That was major med back then. The only thing we used to argue about back then was if it was $5000 out of pocket or $5000 total bill for stop loss. Oh yeah, and we argued whether the policy paid actual charges for surgeries- or on a surgical schedule. These are the things we would banter with other agents about.

My point is: I don't think anybody sells actual major med like this any more on an individual basis, and I am very surprised to hear a newbie throwing around the term, "major med". I think you have a manager left over from the 1980's, which is fine, but the policies have changed a whole lot since then. And, the way things are being sold have changed.

Actually, in 1988, we always tacked on the accident medical expense policy to cover the deductible. { another surprise, you do too} This was in upstate NY. Is your manager from upstate NY, and moved to Fla.? ha ha

 

[somarco]

$5000 out of pocket or $5000 total bill for stop loss

Out of pocket and stop loss are interchangeable.

As I recall, the debate was 80/20 to $5000 out of pocket or for the next $5,000 in covered expenses after the deductible.

The supp acc policy, when offered, was usually a $300 or, in some cases, a whopping $500 flat benefit.

Very few carriers were still using RVS on surgery once they converted to comprehensive major med plans.

Those type plans still exist. They are now called HDHP.

Or, as I like to refer to them, retro plans.

 

[on1sony]

Not even in the top four. Right now:

1) Blue Cross Blue Shield of Florida
2) HumanaOne
3) UHC/Golden Rule
4) Aetna

I spreadsheet all the major players for coverage/benefits - both "copay" type plans and HSA compatible...

There is very minimal difference between any of their coverage(s).

hey pal! just got my license today... california... can you e-mail me some useful spreadsheets you have? And anything else you think will help me out?

Much appreciated...

Andre.

 

[GreenSky]

hey pal! just got my license today... california... can you e-mail me some useful spreadsheets you have? And anything else you think will help me out?

Much appreciated...

Andre.

I could be wrong but I don't think a spreadsheet of Florida carriers will do much good for California risks.

Rick