They Want Enrollers, Not Agents

[taterpeeler]

You stay out of this "Birthday Boy" or I'm gonna take a taterpeeler to your scalp.

ok.... fine, since she liked your comment... whup her Russian arse

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rock me..............................

 

[kgmom219]

ok.... fine, since she liked your comment... whup her Russian arse

You both need a golf course. And some beer.

 

[AllenChicago]

And hence the original thread topic. At 2%, it forces an agent to make the decision to become an "enroller" or stay a full service agent.

Work on volume, get them in the door and pick a plan. That's it. No follow up, no servicing, no income verification or late payment reminder, strictly transaction based. A no touch business can probably expect a large 25% drop off rate

There's no room to build relationships, service the client, and get referrals.

Instead of a name, the client become a number.

I believe someone coined the term "ratt n roll"

Right.. We're like actors in a movie who think the plot stinks and dislikes the Director. But the pay/residuals are good and we're professionals who will give it our all until the final scene is shot. Then, it's on to our next career ratt-n-role.

 

[FLM2]

My mistake. I thought this was an INSURANCE forum not one limited to people that agree with you.

If I could get 8% on IFP I probably would continue to sell the product. But I can't. When you are offered 1-2% I wonder how loud the complaining will be.

Sell what you want. I just think it's strange that those of you in this market now bitch about not being paid, clients being stolen and oppressive rules. As if that was unexpected.

Rick

You must think some of us are really dumb to work 4 months a year and make over $100K in that time.

By the way, I have a good sized Medicare book of business, I didn't go to sleep in 2010 without having alternatives; if ACA falls apart, it wouldn't take that much effort to build my Medicare business up so that the ACA income stream isn't needed so fail to see your logic.

 

[MaryDallas]

A Plan B is ALWAYS a good idea

And those of us who stuck it out really appreciate all of those who ran away.

Yes, thanks to all of you agents that ran away. There are now only 75,000 agents nationwide that got certified. I was able to create a comfortable monthly income in a season. (And I am 'still' owed some back pay, but most of it is coming through.) Is it tough? Yes. Will it last? Who knows.

I'll ride it out as long as it lasts: and now we have time to work on whatever Plan B we choose between now and the end of the year. And in the meantime we found some money that wasn't there previously. Health insurance was nearing impossible to write with all of the tough underwriting. Now, it's just a different kind of tough. It is not for the faint of heart; that's for sure!

And who knows: Maybe some problems will be solved between now and 2016? And maybe it will blow sky high. I still laugh that I got my insurance license 'for the stability'. Wow, was that ever erroneous thinking.

 

[YouGotMyMoney]

Health insurance was nearing impossible to write with all of the tough underwriting. Now, it's just a different kind of tough. It is not for the faint of heart; that's for sure!

Are you freaking insane?

This biz was a lot better when Humana and Golden Rule paid 25-30% with UW plans. A lot less headaches.

 

[Ann H]

Here's what I think (not that anyone asked, LOL).

1. Those who stayed made a good choice if they made a lot of money.

2. Those who left made a good choice if they had a better Plan B for the immediate future.

3. Those who are re-evaluating this career now, should decide if they make enough money for the hassle, and if their Plan B is a good enough alternative at this point.

The only ones who did not make a good choice are those who didn't make a lot of money, or who never had a Plan B to begin with.

I will say this though, making a lot of money isn't enough. There has to be quality of life, too, which includes manageable stress levels and enough time for family and enjoyment.

 

[MaryDallas]

Are you freaking insane?

This biz was a lot better when Humana and Golden Rule paid 25-30% with UW plans. A lot less headaches.

No; not 'freaking insane' as you put it: BC/BS turned down over 60% of applications turned in .... 'in the end days'. They were declining applications for 'allergies'.

Golden Rule has left the state of Texas multiple times: gather up massive amounts of business until the claims started rolling in and then split. I can count 4 times that I know of. How is that a better plan? Health insurance in general has been 'freaking insane' as you so aptly put it.

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Here's what I think (not that anyone asked, LOL).

1. Those who stayed made a good choice if they made a lot of money.

2. Those who left made a good choice if they had a better Plan B for the immediate future.

3. Those who are re-evaluating this career now, should decide if they make enough money for the hassle, and if their Plan B is a good enough alternative at this point.

The only ones who did not make a good choice are those who didn't make a lot of money, or who never had a Plan B to begin with.

I will say this though, making a lot of money isn't enough. There has to be quality of life, too, which includes manageable stress levels and enough time for family and enjoyment.

Totally: all options have to be weighed. I am constantly evaluating life's many choices. We all have multitudes of directions to go: that's the great thing about 'life' in general ... nothing is cut in stone.

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You must think some of us are really dumb to work 4 months a year and make over $100K in that time.

By the way, I have a good sized Medicare book of business, I didn't go to sleep in 2010 without having alternatives; if ACA falls apart, it wouldn't take that much effort to build my Medicare business up so that the ACA income stream isn't needed so fail to see your logic.

And here's the thing about ACA 'falling apart': those people are still your clients. I have never experienced a more appreciative group of people that we actually took the time to concentrate on them and their needs. They will still be our clients no matter what direction the wind takes all of this.

 

[GreenSky]

You must think some of us are really dumb to work 4 months a year and make over $100K in that time.

By the way, I have a good sized Medicare book of business, I didn't go to sleep in 2010 without having alternatives; if ACA falls apart, it wouldn't take that much effort to build my Medicare business up so that the ACA income stream isn't needed so fail to see your logic.

Then we're on the same page.

I graciously accept your apology.

Rick

 

[taterpeeler]

I didn't hear an apology....