Where Do I Start?

[Ronsterp]

First thing to decide is what line you want to focus on learning first. I would suggest medicare, because after going the wrong route it was the easiest one to pick up. I did it completely backward, I tried to do life first. Life is literally the hardest to sell, at least for me. It goes medicare -> health -> FE -> other life

People don't think they need life, they want to have life. Seniors think they need med supps. And please before anyone passes judgment on what I just said, I'm not saying I think anyone does or doesn't need anything I'm just referencing what I generally encounter.

Stay the hell away from Equita Mortgage Group. They resell those A leads to multiple agents and cherry pick them. I called up "exclusive" A leads and had them read the name of the EMG agent that already sold them a policy off the EMG card. I met with one of those in person and resold him a different policy. They charge 35 dollars for those leads that they are reselling to multiple agents. They primarily try to get you to sell easily replaceable non-med term, that is terribly overpriced, at a commission structure 25% lower than their own companies will start you at, for the "privilege" of getting access to their leads that are worse than 8 dollar internet leads.

You can get better training than they offer by reading this forum for free. You can get a good idea of how overpriced their trash really is during training though, there is a good reason they tell you to never quote over the phone and always push to set the appointment. If you quote over the phone and give them time to look up the quote and compare it, you will lose the appointment before you get there. NAA is a better company than EMG, and I think NAA is bad too.
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A good way to get decent training cheap is join IHIAA and ILIAA, pay the 25 bucks or whatever and watch all the training videos.

Thanks for the replies everyone. Don't mean to come across as an asshole, I can see many of you put many years and tears into this business. I don't mind the hours, I was just led to believe before I got my license that if I put in the time that after 5-8 years that I would be able to have some time for raising my son right and still earn a good living.

I am leaning towards the medicare supplements part to start, just from reading what I have seen on this board. I still want to do life as well. I am in North Florida, anyone know a good place to start here? Or should I start as an independent and use health choice as a teaching tool, or does anyone know any good GA's in this area to learn from?

Thanks again for the replies,

 

[5pill]

First of all, how do you even know you are going to be alive 5-8 years from now? It tickles me when people talk about what theyr'e going to do 10 years from now. They don't even know if their eyes are gonna blinlk open in thhe morning. You need mo ney day to day. That means now. This biusiness can give you that if you work hard.

I started in final expense, and got a lot of commission checks my firrst year. I did not select the correct market to work though, and it came back on me in the form of charghebacks.

In my opinion, final expense is probably the best way for a newby to start. Its easy to learn and easy to prospect for.
Just find a good company that will pay 100% or more, a 9 month draw, and write good business.

Easy to break into and get a foundation. leads will be your achilles' heel. Thhey are overpriced and suck. Learn to prospect for yourself so your comm's are full profit. Good luck.

 

[Josh]

Am I alone in thinking the post was a joke? The guy could not have possibly be serious. No one can really think that, can they?

They really can. That's a great way to recruit agents. Sell them the dream, make them buy your leads and write some business, find some more suckers, make some more money.

 

[IndividualHealthGuy]

I was just led to believe before I got my license that if I put in the time that after 5-8 years that I would be able to have some time for raising my son right and still earn a good living.

As the father of 3 young boys, I have to admit I'm curious why you won't have time to raise your son while you work? I work 40 hours a week for Commission Builder, help my wife navigate the health insurance world for her brokerage about 15 hours a week, plus I'm a full time grad student, volunteer at my church, and I coach baseball pretty much year round for my kids.

And through it all I'm looking to see what I can do to help other agents, clients, kids and parents.

I don't know if I would wait until your son is 10 to start spending time with him.

Life is what you make it, but don't expect to get rich quick helping people. If you do this right, it may take you the 5-8 years to get to where you are comfortable. But the 25 years after that would probably make you very happy you chose this path.

Remember the first priority is to help the people you sell to, and you will be better off in the long run for it.

 

[Ronsterp]

As the father of 3 young boys, I have to admit I'm curious why you won't have time to raise your son while you work? I work 40 hours a week for Commission Builder, help my wife navigate the health insurance world for her brokerage about 15 hours a week, plus I'm a full time grad student, volunteer at my church, and I coach baseball pretty much year round for my kids.

And through it all I'm looking to see what I can do to help other agents, clients, kids and parents.

I don't know if I would wait until your son is 10 to start spending time with him.

Life is what you make it, but don't expect to get rich quick helping people. If you do this right, it may take you the 5-8 years to get to where you are comfortable. But the 25 years after that would probably make you very happy you chose this path.

Remember the first priority is to help the people you sell to, and you will be better off in the long run for it.

It will be good. I just like the idea of only working 20 hours a week, after spending 20 years working 60 - 80 hours a week and getting nowhwere, 20 hours a week seems like a dream..