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The Godfather | Has anyone on here sold insurance before? for (Famers,allstate.) whats it like? |
I was offered a job thats why? i'm wondering |
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mbrcatz
|
Straight commission, most likely. Straight sales is hard, hard work. Business does NOT come to you, you have to go find it. Be prepared for REALLY long work weeks - like 60 to 80 hours a week, to bring home $40,000 to $50,000.
They offer TONS of people this opportunity - 95% wash out. |
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MsMiss
 |
Newcomer turn around is high, just like in any commissiononly industry.
It's very competitive, within the office and with other companies. It's a major challenge. The 1st year is a lot of hard work and a lot of hours, plus, you're still learning products at the same time.
It's not for everyone. I see people quit on the first day and I see others stick with it for a year before they decide it's not for them.
If you stick with it, the opportunity is limitless. One of our guys makes 7 figures annually (he's been at it a long time). I am in my 2nd year. My first quarter, I made $8K. |
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Dave1001
 |
I've worked for two of the big three. It's amazing how companies in the same industry can have such amazingly different cultures!
But back to your question. It's like any other business. It's hard work. If you're just starting out, the learning curve is very steep. If you can embrace the learning curve, you can generally get pretty competent in the industry in six to nine months.
If you wish to work for an established agency, you can learn the ropes without as much risk. I worked for State Farm agents for about 12 years. I wasn't really fired up about the Agency program that they offer (that's a different discussion). If you're wanting to start your own business, I would suggest that you bring some money to the table. You are going to need to market yourself to get established. You can be fantastic at insurance, but if no one knows who you are, forget it. I would say that a good portion of my time is spent marketing myself. I have someone else sell the policies for me.
It takes a little bit of time to get there, but I can't imagine wanting to do anything else. It's awesome being a businessowner, but it is hard work. |
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tonytbag
 |
i used to do it. its competitive and hard for the first few years. its not for everyone. If you are not a good salesmen/people person, do not waste your time. they give you minimum sale requirements and actually make you pay back your subsidy if you dont meet them. you can make good money if you are willing to commit your life to it |
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bigwillrobins@sbcglobal.net
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I worked for Allstate and would tell you to come into it and purchase an agency that is already existing. You can find one in almost any state and normally they will make you the 50K or more a year that you need to pay back the debt on the money borrowed and the other credentials. Spend a lot on marketing you. Get well acquainted and bug Realtors, mortgage brokers. I made good money when I sold my agency. I left Allstate because like most companies in the Insurance game, they are morally challenged. |
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hightechchic
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The first few years are rough, there's just no getting around that. It's also complicated by the fact that Allstate (in particular) has been flooding a lot of markets with new agents. In my small town where there was always one Allstate agent, there are now five. And I suspect none of them are too happy about the others.
Bottom line: if you can stick it out for at least five years and you aren't afraid of the brutal work load, you'll probably do just fine over the long haul. Be prepared to live close to the bone for AT LEAST that long, though.
I don't work for the companies you've mentioned, but direct commission jobs are direct commission jobs and they are very much alike in that respect.
Good luck! |
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