New to Insurance, but Feel Like It is Not for Me

[Ron Van D]

The company I hooked up with gives away freebies such as a small AD&D policy...that's how they get in the door. Then you present other 'benefits' such as the WL and hosp. insurance, mortgage insurance etc.

I retired from police work so I enjoy being outside, but I don't like the idea of driving 33000 miles in one year (as my trainer did last year). If I could work parttime it would make my life a bit easier, but this company expects everyone to do the max.

My wife wanted me to get a job with health insurance so she could retire before 70 which is why I pursued this.

I am intrigued, however, with how a senior can have more disposable income after talking with an agent.

I'm guessing that you are in the Cleveland area and you signed on with American Income. Am I right?

 

[briko3]

Just know that not all companies are like that. Also, if you're a 1099 employee, they can't make you work hours you don't want to work. My opinion is that you're not a good fit for the company (and possibly the TYPE of insurance you're selling)

Find something you're comfortable with and do that instead. I would personally make a beeline for the door.

The company I hooked up with gives away freebies such as a small AD&D policy...that's how they get in the door. Then you present other 'benefits' such as the WL and hosp. insurance, mortgage insurance etc.

I retired from police work so I enjoy being outside, but I don't like the idea of driving 33000 miles in one year (as my trainer did last year). If I could work parttime it would make my life a bit easier, but this company expects everyone to do the max.

My wife wanted me to get a job with health insurance so she could retire before 70 which is why I pursued this.

I am intrigued, however, with how a senior can have more disposable income after talking with an agent.

 

[davido53]

I'm guessing that you are in the Cleveland area and you signed on with American Income. Am I right?

You're close but you are right, it is AI.

I hate to be a quitter but I could not physically stomach another week of slick telephone appointments, going into a home on a pretext, then attempting to sell insurance.

I believe in insurance and that people should have it, but it just seems somewhat sleazy to go into a home on a pretext. It made me very uncomfortable. I like to be straight up with people but this is akin to what some preachers do....come into a home to talk with someone, then laying a guilt trip on them in order to save their soul...'what do I have to do to get you into heaven today!'.

I quit on Monday and I can't get this job out of my head! I think I have PTSD.

 

[briko3]

You'll be a lot more successful if you are straight up with clients. Just dont' assume that all insurance sales positions are like that.

 

[hope33709]

I am so glad someone feel like I do. I have quit 3 FMO's because of trick selling. My clients, what few I have, love the honesty and we can now get into some real personal talking and it's much more fun. I especially enjoy the seniors, just need more pointers on acquiring clients.

Best of luck, give it a try as an independent agent.

 

[zildjiank]

Life is too short for any of us to pursue a career that we do not enjoy and find rewarding. Pursue your heart and your passion.

I agree. I just graduated college, and job searched for 8 months till I happened to come to Farmers. Took the insurance classes and passed the exams first time. I love insurance, the product is the only thing I would sell.

Every company is selling something. If you are not passionate about it, don't settle till you find it...I certainly did not, and am glad I'm here. Now it's just the figuring out part that has me wondering how to get er done....

 

[jamesflou]

Problem is that most might hop around career fields looking for that job that is most fulfilling and usually never find it. Then they wake up one day and realize that fact. What many think they are passionate about often changes once they get experience at it. You are young so you can take a little time but be careful life eventually starts flying by.

 

[Snortle]

For the most part I sell Med Supps to people who already have a Med Supp. I show them that what I'm offering is a better investment of their premium dollar than what they currently have. In other words the plan I'm offering costs less per month than what they are currently paying.

Med Supps are standardized which means that there is no difference in them from one company to another. The only difference is in what each company charges for them.

There is no service work to speak of, claims are handled automatically. The agent is the "underwriter", if the prospect answers "no" to the appropriate health questions the company issues the policy. First year commissions are paid, in almost all states, for the first six years.

I have saved some seniors over $100 per month when they take a policy from me with no loss of benefits. There is no smoke or mirrors and the fingers never leave the hand. If I can't save them money they will not buy, it's that simple.

Give me a call if you would like and we can discuss it in greater detail.

Great post. You inspire me. Thank you for this.

 

[Snortle]

I agree. I just graduated college, and job searched for 8 months till I happened to come to Farmers. Took the insurance classes and passed the exams first time. I love insurance, the product is the only thing I would sell.

Every company is selling something. If you are not passionate about it, don't settle till you find it...I certainly did not, and am glad I'm here. Now it's just the figuring out part that has me wondering how to get er done....

Awesome. These are the things i love reading.

 

[Johnnyboy29073]

Hey everyone,

I am a recent college graduate and have begun working for a captive agency in Texas. I have started a few marketing techniques, invested a few bucks here and there, but at the end of the day I feel like this industry is not for me.

I feel like I am locking myself into a profession at such a young age, and am not doing what I am really passionate about. I decided to get into insurance because I know a couple people who make a great living off of it, but never really thought about if I enjoy it.

Is it bad for me to want to get out of it so early? I am not a quitter and feel like I am going to be one if I leave.

Thanks for advice!

Get a graybeard as a mentor and drink in as much as you can.