- 2,103
Well, they probably do want to hire you, because I think they are recruiting. Most insurance companies are "recruiting". This just means they are out there looking for newbies to train. Look at careerbuilder, all the usual suspects are out there recruiting. But, anybody can get recruited, you need to work it.
As far as the niche goes, what I mean by that: Mutual has kind of a niche in that they are wanting to offer underage folks disability income and life insurance. You really only have two things to worry about, life insurance and disability. Then, if you are into the senior market, you really only need to worry about med supps and long term care. So, how my manager used to work it: we would see seniors in the day and try to sell disability and life at night , when the people were home from work.
Other companies have a niche in seniors only, or term life for mortgage protection, or health. But, with mutual, you will probably be concentrating on seniors or underage-or both. Probably both. Keep in mind, seniors are 65+ and underage is under 65. Now, maybe in Oregon the med supps with mutual are not competetive, maybe LTC is not, maybe the Disability is not, I don't know, but Mutual usually is competetive. So, price is usually not the issue, usually you will be competetive, so it's up to you to sell it. Just go out there and sell. You will find that the name recognition is good, and that you really will not run into many other agents out there doing what you do. So, you have a niche, a niche where you go out and help people with one of 4 basic things. Or all 4. You may get a senior whom you write up, then go write their kids and the grandkids on referral.
As far as the niche goes, what I mean by that: Mutual has kind of a niche in that they are wanting to offer underage folks disability income and life insurance. You really only have two things to worry about, life insurance and disability. Then, if you are into the senior market, you really only need to worry about med supps and long term care. So, how my manager used to work it: we would see seniors in the day and try to sell disability and life at night , when the people were home from work.
Other companies have a niche in seniors only, or term life for mortgage protection, or health. But, with mutual, you will probably be concentrating on seniors or underage-or both. Probably both. Keep in mind, seniors are 65+ and underage is under 65. Now, maybe in Oregon the med supps with mutual are not competetive, maybe LTC is not, maybe the Disability is not, I don't know, but Mutual usually is competetive. So, price is usually not the issue, usually you will be competetive, so it's up to you to sell it. Just go out there and sell. You will find that the name recognition is good, and that you really will not run into many other agents out there doing what you do. So, you have a niche, a niche where you go out and help people with one of 4 basic things. Or all 4. You may get a senior whom you write up, then go write their kids and the grandkids on referral.
