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 Auto Insurance, College Degree, and Underwriting? |
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My ... |
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My dad is 62, recently retired and lives in NYC. I want to get life insurance for him so that my mom will be taken care of when he passes away.
The problem is my dad has diabetes, high ... |
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Additional Details
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 A Week After Bailout: AIG Execs Take A Vacation? |
Just six days after sticking taxpayers with an $85 billion bailout, AIG's top executives dropped $500,000 whooping it up at a swanky California beach resort.
Among the charges A... |
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 What do you know about Texas auto insurance? |
Best of my knowledge, I am required to have liability auto coverage.
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kellygirl | What is the best way to get started as an independent life insurance agent? |
I already have my Class C license. |
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blb
 |
A couple of tips for you. Make sure that you listen to what the insured needs and not just what you want to sell them. Their needs are the most important thing.
Be ready to work lots of hours and lot of nights and weekends.
Make sure that you know what you are talking about. I let someone come to my house once. They had just started and didn't know that I was an agent. After they started telling me that it took years to get a life insurance payment and that the proceeds are always taxable, I told her that she needed more training. I also explained that if she had been telling everyone the same things she was telling me that she needed to call them all back and make things right. If you give them wrong information once, winning back their trust is almost impossible. |
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Bright Future Penguin
 |
Hi, your friendly insurance guy here again!
Good for you! You're moving toward a career in life insurance. It's not easy - and you CAN do it.
My recommendation is to find a good, local independent agency and apply for a job there. This gives you several advantages.
1. Often you can start with a partially salaried position. Most agents fail in their first year because they don't have enough money coming in while working solely on commission. If you can get a partial salary it gives you the safety net you need to keep afloat while building a client base.
2. They will teach you the industry. You'll be able to see, from within a functioning agency, all the roles and jobs needed to successfully run an independent agency. This is a much safer way to learn it than by trying to strike out on your own and hang out a shingle with no experience. An established agency will have compliance folks, marketing, organixational structure and the like. When you decide to open your own place you can use what you have learned.
The downside:
Working for someone else means they will take a big chunk of your commissions. It's how they cost-justify your salary. In the long run you will make more money running your own shop - IF you have already learned how to run one.
One last thing:
You have to really, really believe in the worth of life insurance to be a successful agent. If you are just in it as a "sales job" it'll be harder to succeed. Remember: If you're in this industry eventually you will be going to a number of funerals every year. the major distinction between you and everyone else there is this:
They'll be showing up with condolences or bills. You'll be showing up with a huge check for the family. It's a life-changing experience for you the first time it happens. It's a life saving experience for your clients every time it happens. |
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The Rabbi
 |
Congrats. Buy leads on the internet and start charming people.
You need a connection to a brokerage. These are well established agencies with the contracts to the ins. companies. They will give you training. You can look around your area for some or on the internet.
Check out www.topgunproducers.com It is a free forum for agents run by people who you want to be like.
Good luck and don't get discouraged.
If you want faster money, you can try health ins also. The more products you carry, the more apps you write, the more $ for you. Start with life and see where it takes you. |
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michael76049
|
great advice from all the responders! |
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Brad V
 |
I work for a finace company and we are looking for independent life insurance people in the US let me know where you live at vaninvest2002@yahoo.com
Thanks
BV |
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