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brwnidjkmo | Captive agent or independent? |
I am a newly licensed life and health insurance agent n Florida. I have been offered many positions, one is for a captive agency. None of the jobs offer salary and all the comissions are about the same. Some provide leads and some don't. What is better, in general, for a new agent, capive agency or independent ( considering that the training and comission is about the same)? |
 |
 
W p
|
I have worked as an agent for about 20 years. In that time I have worked both as a captive agent and as a independent.
Personally I like the independent side a lot more than the captive.
(1) As an independent I have more companies which mean I can choose which company offers the best products and premiums for my client.
(2) Companies go through cycles of profitability. Depending where they are at in the cycle will determine if they are aggressive and competitive in the market place. As an independent I am not bound to any one company meaning that neither my clients nor myself have to endure huge rate increases, changes in management or philosophy, poor service, etc just because the company is going through a nonprofitable time. I can remember as a captive agent the company that I worked for had two products that were very hot and competitive. I was writing policies as fast as I could fill out the applications until the company decided that the two policies were not profitable and took them off the market. Over night I went from making $1,000 - $2,500 per week in commission to making a little over $100 per week.
My advice...DON'T PUT ALL YOUR EGGS IN ONE BASKET! |
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mbrcatz
|
Independent. Training AND commission are about the same. And FL right now is a property NIGHTMARE, if you don't know what I mean, you'll find out soon. "Hard" doesn't begin to describe the market.
The reason why I say independent - you'll have access to multiple carriers, and surplus lines brokers - so it will be easier to write policies. When it's easier to write policies, it's easier to make money. |
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jim
 |
just wondering but was mega life and health the captive company you were talking about? |
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Mahan
|
Independent.
1- You have access to more markets.
2- You can offer a verity of quotes to your client.
3- Clients have different needs (more chances to meet their needs.)
4- You are most likely to be able to offer the best rates.
5- Least likely to loss clients.
6- Much more opportunity to learn.
7- A lot more room to expand your carrier. |
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Travis L
 |
Go Independent. If you are limited to selling one company, you will invariably end up turning clients away if they are not a right fit for what you have or you will put clients in something that may not really be the best thing for them. It is comforting to you and the client to know that there are many options available. Good Luck. |
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Michael B
|
Congratulations, and Welcome to the insurance industry. I have been in the financial and insurance business for ten years and have helped a number of agents through the toughest years. Those toughest years are always the first few as you get started and learn how to help your clients.
I would suggest to start off as a captive agent with a good company learning the ropes like a New york Life. After you feel good and have a solid foundation become independent and work for yourself the money is allot better. If it takes you 2 or 5 years like in my case to move out on your own you will have a better chance for success. I love what I do and the freedom it gives me to travel and be with my family.
One more thing never stop learning always be reading financial books and the trade magazines like Senior Market Advisor, Advisor Today, Financial Planning and Life Insurance Selling are all great. Good Luck and go for it.
Mike |
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