Hi everyone,
This will be a bit unusual. I was a good producer until I became disabled in 2002. I had completed about 6 of the CLU courses, and had been in life and investment sales for 12 years, mostly as an independent, but then later as a FA with Merrill Lynch and then headed up a bank sales program. Before my disability I held series 7, 66, and 26
I've progressed with my rehabilitation to the point where I'm wanting to get my license again. As everyone knows, the industry looks for high energy production. The reality of my situation is that for a while, I will be a middling producer. I'm looking for a situation where the GA or MGA understands the situation and will not be cranking all sorts of pressure on me. I am eligible for the Ticket to Work program through Social Security.
I know how to sell, I know how to prospect, and am a good 'people person'. The fundamentals of life insurance selling have not changed. However many once seemingly stalwart companies have disappeared. Likewise the industry once had many MGA (managing general agencies, which I gather are now called IMOs) for those who want to be completely independent.
I do not want to be in a captive situation. I want to have vested renewals (if renewal commissions even exist any more). I don't need or want financing, and I don't want annualized commissions. I would like a company that has good training available (either online or in person), would like reimbursement to finish my CLU/ChFC. Right now I want to start off with basic life sales, and eventually grow into full financial services. My strong preference to have at least one carrier with a strong, par whole life product.
I live in Massachusetts. Any recommendations?
PS: Whatever company must have good disability waivers on their permanent policies. Boy have I got a story to tell to sell those!
This will be a bit unusual. I was a good producer until I became disabled in 2002. I had completed about 6 of the CLU courses, and had been in life and investment sales for 12 years, mostly as an independent, but then later as a FA with Merrill Lynch and then headed up a bank sales program. Before my disability I held series 7, 66, and 26
I've progressed with my rehabilitation to the point where I'm wanting to get my license again. As everyone knows, the industry looks for high energy production. The reality of my situation is that for a while, I will be a middling producer. I'm looking for a situation where the GA or MGA understands the situation and will not be cranking all sorts of pressure on me. I am eligible for the Ticket to Work program through Social Security.
I know how to sell, I know how to prospect, and am a good 'people person'. The fundamentals of life insurance selling have not changed. However many once seemingly stalwart companies have disappeared. Likewise the industry once had many MGA (managing general agencies, which I gather are now called IMOs) for those who want to be completely independent.
I do not want to be in a captive situation. I want to have vested renewals (if renewal commissions even exist any more). I don't need or want financing, and I don't want annualized commissions. I would like a company that has good training available (either online or in person), would like reimbursement to finish my CLU/ChFC. Right now I want to start off with basic life sales, and eventually grow into full financial services. My strong preference to have at least one carrier with a strong, par whole life product.
I live in Massachusetts. Any recommendations?
PS: Whatever company must have good disability waivers on their permanent policies. Boy have I got a story to tell to sell those!
