 Liability Insurance - Car accident? |
Hi you doing guys...
Well, let me explain this in a easy way..
I got a crash today, and the fault was mine, I hit the other car in the rear bumper so, it was my fault in any way.... |
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 Life Insurance for a smoker? |
I'm only 28 but am thinking of getting life insurance.
I'm quite healthy but have been a smoker for 15 years.
How much more can I expect to pay for insurance as a smoker?
D... |
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 Which Health Insurance plan is Good? |
Hi Friends,
I would like to take health Insurance to my mother. Which plan is better and from which company?
My mother requires operation in few months. if i take insurance plan,... |
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 Does anyone work for a big life insurance company? |
| I had a call from a life insurance company asking me if I was my former husbands wife at the time of his death. which by the way was 6 and 1/2 years ago. any way they asked me a few questions and ... |
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 What is the purpose of building cash value inside of a life insurance policy? |
| Who is this type of policy ideal for? I am almost thrity and considering many options at this point, but I don't want to consider any options solely based on my representatives opinion. What ... |
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 Why is health insurance not assessed like automobile insurance? |
| Why do auto insurers consider things like commuting distance, age of driver, sex of driver, driving distance, how often you drive when creating a policy, but major HMOs and PPOs don't consider ... |
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 Where can I get health insurance for just one month (August)? |
| I am looking for health insurance (on behalf of someone else) for just the month of August. He is insured through his mother through July, and begins work in September. He is planning to contact ... |
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 Who is responsible to pay the deductible? |
| Has anyone ever heard of this before? He hit another car and the other car hit a parked car. Someone told him he had to pay the other two parties deductible. Does that sound right to you guys?... |
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 Higher Insurance for 2 door or 4 door? |
| Okay, my friend is thinking about purchasing a 2007 Pontiac G6, but she wants the GT Coupe 2 door model. My question is, would the insurance be significantly (pay attention) higher. to buy a 2-door GT... |
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 Whats a good cheap health insurance for a college student needing ADD medicine with a min wage job? |
| Like I said I only have a min wage job, and I completely support myself. I desperately need ADD meds, but I have NO health insurance. I need to be able to afford the health insurance too. I am a ... |
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 Will my seat-blet ticket effect my insurance? |
| My old cars seatbelt is out of order but since I was getting late for work I couldnt wait for my husband to drop me off in his car. Thats when I was pulled over and slapped a $25.00 fine for not ... |
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 Professional Indemnity Insurance? |
| Can anybody tell me the difference between Professional Indemnity Insurance and Liability Insurance, I am a business who goes into offices to work and I have Liability Insurance and I've been ... |
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 Which are the best reliable life insurance company? |
| I am looking for a competitive life insurance offer from a top-rated company. I am an expat working in Saudi Arabia.... |
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 Concerning car insurance, why would your credit score effect your premium? |
| why on earth would your credit score have an effect on how much a person pays for car insurance? i was told by independant that my rate would be lower if i had had a more "favorable" credit ... |
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Lover of God | Which is better as an agent to work for, life health accident, or property casualty and why? |
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mbrcatz
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I really think it's a matter of personal preference. There is more MONEY, in general, in the life/accident/health sector. However, I'd be BORED to tears there. Sure, got the license, but I LOVE LOVE LOVE property casualty. It's fun, and very challenging at times - you have more opportunity to be extremely creative in your solutions, as you can piecemeal coverages together, depending on the account.
PS, personal lines property casualty is boring. I'm talking mid to large commercial, for the interesting, fun stuff.
So that's MY opinion. |
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Paul K
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Personally I like property and casualty better. There is more money in life and health. I think there is more competition from other agents on the life and health side. Most policies on the life insurance side pay a one time commission to the agent. Health insurance is the exception. Property and casualty policies renew each year and provide commission to the agent each year it is renewed. Health insurance customers tend to buy mostly on price and often shop their policies.
It is a matter of personal preference. I have friends that love life and health and won't touch property and casualty. I am the opposite. I deal with both personal and commmercial accounts. Personal lines is okay and usually just pays your expenses. Commercial lines is more time consuming but provides much more profit. Plus with commercial you are dealing with all types of different clients (restaurants, contractors, manufacturers, retail, etc). |
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blb
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It really depends on you. I am licensed for everything but enjoy working with property/casualty. I have a good friend who hates P&C and works strictly with life/health. You will probably need to try both and see what your best fit is. |
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MissV
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Life/health pay higher commissions than property and casualty. Property and casualty includes automobile coverage as well as homeowners/renter's insurance. The difference in pay between a $400 year homeowner's premium versus a life policy premium of $100 month is significant. Especially if it's a whole life policy.
The biggest problem with a life policy is if the client cancels before the first year, in which case an agent may be required to pay back to the company. |
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Matt1331
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Well and obviously you can do the whole deal and write all lines of business, which is what I do...but my focus is more on commercial property & casualty and then I'll feed off of that and sell some group health and individual products.
P&C is more challenging from a coverage standpoint, specifically commercial, a lot of different needs to fulfill and a lot of different ways to meet your clients needs. I would say the P&C side of the business is more service driven whereas the Life & Health side of the business is more sales driven from an agent's standpoint. Commisions for L&H tend to be more front-loaded, meaning you get most of the commission up front, so once you make a sale you move on to the next. In P&C you serve the client throughout the policy period and the commission remains relatively the same from year to year as you continue to work with the client.
Obviously success has been found on both sides of the business so it's tough to say which is best... |
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tylernmi
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Life, health and accident ins. would be the best way to go.
Why? Because there are more people concerned with that, than there are people who own property. Folks who own property are required thru the lender to have property ins. so you would be going after the wrong customers. Go figure the stats. Best wishes |
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