This is HARD

[Chazm]

You wanna see hard, try working for bankers life and casualty. You'll be selling a highly over priced colonial penn med supps and then you get the opportunity to lie to every client of why they need to buy it over the dozens of other better offers.

 

[chad2192]

You wanna see hard, try working for bankers life and casualty. You'll be selling a highly over priced colonial penn med supps and then you get the opportunity to lie to every client of why they need to buy it over the dozens of other better offers.

Then who do you suggest? So many people downing BL but then offer no alternatives

 

[Life Hawk]

You need a good IMO and a mentor.

Then who do you suggest? So many people downing BL but then offer no alternatives

 

[DHK]

Then who do you suggest? So many people downing BL but then offer no alternatives

You're looking for quick answers where no quick answers exist.

That's why you're lost and why this is a hard business... until you figure it out.

 

[Chazm]

Then who do you suggest? So many people downing BL but then offer no alternatives

Symmetry over BLC easily. My old boss who was a bankers manager is now a manager for symmetry so it's not like they aren't warped in the head. But at least you can offer more than one med supp with them.

Might be best to hit some local Indy offices and post their deal here. Ie what kind of leads. How much. What kind of commission and renewals

 

[chad2192]

So I'm getting the sense that a lot of this stuff is kind of just figuring it out on your own. That's cool I guess, but I just hate wasting time.

My biggest fear is 1 year from now thinking, "Man I wished I had gone with XYZ instead of this other place..."

 

[Markthebroker]

Your biggest fear should be if you can sell life. Most can't. I couldn't. I do very well with commercial p&c, but it is a very, very different sale.

 

[chad2192]

Your biggest fear should be if you can sell life. Most can't. I couldn't. I do very well with commercial p&c, but it is a very, very different sale.

Could you give a quick summary about how selling different types of insurances differ? As in, how do I know what kind of insurance I can sell?

 

[DHK]

So I'm getting the sense that a lot of this stuff is kind of just figuring it out on your own. That's cool I guess, but I just hate wasting time.

My biggest fear is 1 year from now thinking, "Man I wished I had gone with XYZ instead of this other place..."

XYZ firm... doesn't exist. And I truly mean that. All that does exist, is that you can pick up little things from each person and/or each agency that you like. Then you incorporate what you like into your own style.

There is a reason why there is a 90%+ failure rate in this industry.

Yes, you could join a captive insurance agency (New York Life, MassMutual, Guardian, Northwestern Mutual, Prudential, Mutual of Omaha, and others)... and they'll teach you how to use a Project 200 (everyone you know) and "hopefully" you'll get referrals to your next clients & sales.

But you must understand the game that is being played AGAINST you: You are part of a cog to generate commissions for the agency. Either you succeed or you don't. On the way, you'll generate some revenue. Very little risk for the agency, but plenty of risks for you.

Which means that it's YOUR JOB to find your training.

My thread (read the whole thing) has plenty of VERY INEXPENSIVE resources to help you figure out a lot of that. Once you have your footing on what you're doing and how you go about doing it... then YOU CHOOSE who you want to represent - either captive or independent.

But the training... is YOUR job. That's the dirty secret to this business.

Whose Job Is It? - Insurance Pro Shop

 

[atthewood]

Thinking of your future after you leave whatever captive agency you're in now is what happens to all the business on the books. Do they go with you or are you starting from scratch when you decide to go out on your own and be independent?