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I worked for UIG about 2 years ago. You have to assign commissions & only get about half of what the insurance companies pay. They had good product training, but field training wasn't so great.
Encino claims to have an exclusive door opener--some kind of drug discount through the patient advocacy program, whatever that is. According to their literature, you get appointments with half the people you call. You make a little on this and you try to sell FE. It is unclear whether there is a cost upfront for leads or if the agent just calls from a list. Also, how well does this program really work?
As to contracts, there is an agency contract but it appears that agents also contract directly with the carriers. If you pick 100% on the agency contract, what contracts do you really get with the carriers, Mutual of Omaha and Oxford Life?
Do they really release you if you ask them to?
What are they like to work with?
What is UIG's deal? Their website is not very informative.
Thanks