Which insurance company is good to work for??

Cristina in Yorktown, Virginia said: I am a realtor in Virginia and I am looking to diversify and get into insurance sales. I have tried to look for insurance schools in the area with no luck. Does anyone know of schools in my area of via internet that I could get my license. Once I have obtained my license- Can anyone recommend what company/broker is best to work for/learn the ropes from.

My credit is shabby because of my divorce a few years ago- is that going to hinder me in getting hired?

It

Thanks
Cristina

it

I am in the process of getting my license. I was a real estate agent and did very well but am ready for a change. Does anyone know which company is good to start with? I would like to offer my clients choices and competitive prices.
I'm in Houston, TX.
thanks,
Vivian

Jackson Financial in Dallas, Texas said: By the way, I think I will beat anyone else's commissions here... My experience in the industry has allowed me a lot of advantages where commissions are concerned... I have too many insurance carriers available to list. You will write more business if you have the right tools to do so and the financial motivation.

I'm really interested in getting more information. Do you know anyone in Houston that can help?

can someone tell me what really works, independent or captive which one will work for a beginner?

ccinsgroup in North Carolina said: I am an independent life and health insurance agent in North Carolina. I am looking for an effective lead source. I have worked with several local IMOs, but the leads generated were quite expensive, sold to other agents and only came in spirts.
I need a lead source I can depend on.
Does anyone have any suggestions? I would greatly appreciate some imput.

I would like to talk to you. I think I can help you on commission but not leads. We have a special contract. Email me your number to mstivers@benefit-planning.com. This is not a gimmick

Tom in Littleton, Colorado said: I am newly licensed in Life and Health in the state of Colorado. I am happy to get licensed in additional states as well. It is my goal to sell online from home, and I am looking for the right company to get involved with.

I was recently recruited by NAA and spent $1000 going to a Boot Camp in Raleigh, only to find that with every step I am expected to spend a fortune on leads, trips, etc... I am afraid I made a big mistake, and am not in a financial position to spend a bunch of money on set up, leads etc...

I would appreciate if anyone has a reputable opportunity I would appreciate your letting me know.

Tom, email me your number. I might be able to help. mstivers@benefit-planning.com

The One in Chatsworth, California said: it

Kaplans is all over the US and does the training to help prepare you to get your license. There are also others available. I believe Kaplans offers classroom instruction as well as online. There are other online courses you can take to help you pass the test.

Vivian, I am in Texas but not Houston however; I would be willing to help you out, even if you didn't want to come over with my IMO. feel free to email me anytime jfinancial09@yahoo.com
I have some Houston B leads that I haven't worked on for a while and I could send you some of them to get you started with whomever you are going to... Let's talk.
-Louise

Termchoice in Newbury Park, California said: I work from home selling life insurance making use of the internet and phone.I am very please to share the details if you send me an email with you phone number.
termchoice@aol.com

I am also interested in finding out more!
Kim

Termchoice in Newbury Park, California said: Contact me for more info at: termchoice@aol.com

Would like more info!

Kim in Waco, Texas said: Would like more info!

Kim, the guy has given you the email address. send him email and you would get more information. I don't think he, Mark, would share his "secret" on the message board.

Well, In the insurance business for 4 Entire months, I started with UGA, MEGA, Realized in a week it was a scam. Went to a local IMO, All they cared about was giving me 60% of the 100% of the 130% commission they were giving. 2 weeks figured that out and how to go independent. I started out without and lead sources and no book of business, and Sell for 7 different health companies, 20+ Life, 2 Supplemental companies and just started the commercial side now. We are pulling 20k a month in commissions. Of of our own generated leads. Not bad for the first 6 months in the Insurance business. We have 3 agents each focusing on one area, IE Group, Individual, and Supplements. Hopefully in a year we will have one of the largest local agencies in little rock.

I will Help anyone do this! Not recruiting you, just pointing you in the right directions....

Its Simple if you Look past all the BS your fed!

www.todaysinsurancesolution.com/

4dallas in Dallas, Texas said: Kaplans is all over the US and does the training to help prepare you to get your license. There are also others available. I believe Kaplans offers classroom instruction as well as online. There are other online courses you can take to help you pass the test.

Wrong, Kaplan is a for profit school. They hire
unqualified professors and teachers, therefore,
giving students horrible education and training.

Jeff Parker in Little Rock, Arkansas said: Well, In the insurance business for 4 Entire months, I started with UGA, MEGA, Realized in a week it was a scam. Went to a local IMO, All they cared about was giving me 60% of the 100% of the 130% commission they were giving. 2 weeks figured that out and how to go independent. I started out without and lead sources and no book of business, and Sell for 7 different health companies, 20+ Life, 2 Supplemental companies and just started the commercial side now. We are pulling 20k a month in commissions. Of of our own generated leads. Not bad for the first 6 months in the Insurance business. We have 3 agents each focusing on one area, IE Group, Individual, and Supplements. Hopefully in a year we will have one of the largest local agencies in little rock.

I will Help anyone do this! Not recruiting you, just pointing you in the right directions....

Its Simple if you Look past all the BS your fed!

www.todaysinsurancesolution.com/

Curious why Mega is a scam. Iv'e been with them for a while now and find the company's leadership experienced and their products truely helping people. It's sad to bash companies without trying it out.

I recently passed my state licensing exam for Life, Accident & Sickness. After a little due diligence, I'm having second thoughts on training under NAA who is trying to recruit me. Brand new to the insurance industry and I can't get my license without having a sponsoring insurance company. Can anyone offer any suggestions or advice on where I should direct my attention for another sponsor? Need great training (obviously)!!!

Thanks in advance!

I will Retract the Scam part. but They did Disappoint allot of Great agents, And yes, I have tried them and Worked for them for quite some time. It's Not our directors that failed. Its the fact when they miserably failed their audits and took a huge rating hit is when everyone started bailing because they no longer gave the support that was needed to actually produce.

But there is a new Ron Jensen business model company in the infant stage that will and Can do exactly that! And products that cant be touched in our market.

Anyways, Sorry for the mis-illustrated picture grammatically drew.. I was in a rant at that point. :)

morgansmom in Hampton, Georgia said: I recently passed my state licensing exam for Life, Accident & Sickness. After a little due diligence, I'm having second thoughts on training under NAA who is trying to recruit me. Brand new to the insurance industry and I can't get my license without having a sponsoring insurance company. Can anyone offer any suggestions or advice on where I should direct my attention for another sponsor? Need great training (obviously)!!!

Thanks in advance!

Email me at agent@tislive.com, I have an agency contact in Georgia I will put you in contact with. They will be able to assist you.

I would like to comment on some new marketing for any insurance agent out there.

I am able to get my insurance agency on the top page of google and over 100 different search engines under $100 a month. The little guys in the industry are playing with the big boys now. I've had over 100 hits in the past 5 days. Powerful advertising. Email me at fishsteel@hotmail.com for more info.

If you are new, no one is going to train you for free. The schooling that you get to obtain your license does not teach you anything about how to actually go out and write business. Don't expect to get a top level commission if you require training but do be sure to get on board with someone who will allow you to eventually reach that top level commission once you are trained. My info is up top in this post. I stand by what I said. Make sure you talk to more than one person before jumping in. There are a lot of good people out there. Pick one that meets your individual needs.

The key to making it in this insurance biz is training and leads.

I give out contracts ranging from 50% to 90% - but I require that you attend training. I also charge for training you because my time is worth MONEY - so should yours be . . .

My GrandDaddy once told me:

"Boy - 100% of nothin' is nothin'" . . .

My point is - If it takes you $1,000 in training fees and leads to get going to make $1,000 / $2,000 a week working 4 days a week - is it worth it to you?

Or - do you find a 100% contract, still have to pay for leads, work 6 days a week to only get discouraged and quit a few weeks later?

Selling insurance isn't rocket science - it's sales . . .

Call contact me - Tom Coleman - for more info - indeed@insura-choice.com

Hello everyone,

This is great! I'm learning something new everyday. But what I want to ask those who have made selling insurance a lucrative career. Was it better to leave the companies that you worked for 5+yr or more just to start your own. And what advise can you give this soon to be newbie about how to be successful at becoming a fully license professional?

Tom Coleman in Statesboro, Georgia said: A lot of good info here.

Seems most are talking about the ALISS system. Excellent system to sell underwritten products with. It may take up to 4 to 8 weeks to get issued and paid on underwritten plans.

We market Simple Issue Whole Life - referred to as Final Expense sometimes. If clients are insurable - they are issued in less than a week - most time it's 2 or 3 days. We get paid every Friday or sooner.

We sell 100% phone only! Never leave home! Work from Mars if you have a phone connection . . .

If you presently don't have an insurance license - email me.

If you do and are willing to commit to one company - email me.

Will you make $100k a year? Not at first - but you could in less than a year. I can have you making $1k a week in 3 months!

Information send email to - indeed@insura-choice.com

Tom

can you be independent? and what about your credit, will that be an issue.I will be out of bankruptcy in 2 months and just received my insurance license 1 month ago and want to start my business from home and get myself with a broker is that possible?

Daryl,

Credit is an issue with some carriers, and so is bankruptcy. However - it's not the end of the world.

Here's how I do it for people that want to come to work with us that have credit / bankruptcy issues. I'll get you appointed and limit your advances for a period of time giving you the opportunity to "prove" yourself. Then - your performance will dictate your future path . . .

With my company - everyone starts at the same level and is given the opportunity to "work their way up the ladder".

Shoot me an email to - indeed @ insura-choice.com to receive more information.

Tom

There is a wonderful forum that basically answers all your new Insurance Agent questions. www.insurance-forums.net/forum/

I have used it to get answers for most of the questions I had and still do have. Licenses/companies/commissions. They answer it all.

are your incomes steady inspite of the economic down-turn? are people buying products inspite of current economic situation and job loss?

Cherisse in Bloomington, Illinois said: State Farm is the leading insurance company around, and offers both quality products and services, and offer a paid internship as well. I am an Agency Recruiter in California. Feel free to call me, and I can direct you to a recruiter in your area

==============================================================
I am interested in having an agency as well. If you would still like to share your insights I can be reached at wdwj@sbcglobal.net thanks, will

Please tell me more about termchoice insurance.

4dallas in Dallas, Texas said: As a beginner you need to make sure that you get with a company or broker that will train you. Both have their good points and bad points. I have done both. It really depends on what you are looking for and where you want your business to go. As a captive agent there will be more restrictions placed on you and in most cases you will not be able to get appointed to any companies except for the ones your agency has. Research the different companies on forums and see what other agents say about them.
I am currently an independent agent writing with 50 companies and a great back office with a brokerage that has been around for years with great support. Email me if you have any questions.

shannonagency@yahoo.com

I am interested in writing with many companies as an independant agent. Would you indulge me your knowledge of process.

fishsteel in Chesterton, Indiana said: I would like to comment on some new marketing for any insurance agent out there.

I am able to get my insurance agency on the top page of google and over 100 different search engines under $100 a month. The little guys in the industry are playing with the big boys now. I've had over 100 hits in the past 5 days. Powerful advertising. Email me at fishsteel@hotmail.com for more info.

PleASE TELL ME HOW

Please stay away form Axa Insurance Company

Has anyone ever worked for Aflac? Is this a good company to work for?

Travis Taylor in Colorado Springs, Colorado said: If you are interested in starting your own agency. Give me a call I would like to talk to you about what I can offer. If you don't have time visit my website at www.natbrokers.com . You see the system, support tools, and yes health benefits I offer to my producing agents. Unlike State Farm, I don't force you into a one size fits all product line. I can give you access to over 50 major life carriers, in addition, to the support tools.

Hi Travis,

I'm a semi retired exec with a few business interests up and going. Give me your straight up call on Aflac.

MDP in Vermont

Travis,
saw your comments on naa scams and did research on naa.
live in Deltona FL, need your advise as to what IMO or Insurance company to join. Where have all the previous NAA managers gone?
Please enlighten me!!!
Thanks ,
SCS
EMAIL ME BACK

I can help you with this question tomorrow afternoon. pls send me a personal email at wdwj@sbcglobal.net

I have seen like 30 of these threads at www.insurance-forums.net/forum which has a huge section on getting started selling insurance. Bottom line is that selling is a skill that is highly transferable and if you are successful at selling mortgages, you should be successful selling insurance, provided you get hooked up with some good people and have access to a mentor etc...

Have your guys tried any web-based insurance quote companies?

Constructaquote.com, an online insurance quote comparison service dedicated to the UK SME market. They have developed valued partnerships with the UK’s leading insurers to bring you insurance cover tailored to your needs.

Constructaquote.com differs to other insurance websites in that it offers true online comparison. We bring together the insurance products relevant to you and your business, so that you can arrange all the commercial policies you require in one place.

The products on offer from their partners are varied, ranging from public and employer liability insurance, to insurance cover for your plant & material, van insurance and goods in transit. The simple search facility makes it easy for you to combine any number of policies to meet all of your insurance requirements.

I think this is a good e-based company to work for, plus it's a 21 century - such an amount of job are based online that it's not a surprise for anybody now.

Good luck!

Have your guys tried any web-based insurance quote companies?

www.Constructaquote.com, an online insurance quote comparison service dedicated to the UK SME market. They have developed valued partnerships with the UK’s leading insurers to bring you insurance cover tailored to your needs.

www.Constructaquote.com differs to other insurance websites in that it offers true online comparison. We bring together the insurance products relevant to you and your business, so that you can arrange all the commercial policies you require in one place.

The products on offer from their partners are varied, ranging from public and employer liability insurance, to insurance cover for your plant & material, van insurance and goods in transit. The simple search facility makes it easy for you to combine any number of policies to meet all of your insurance requirements.

I think this is a good e-based company to work for, plus it's a 21 century - such an amount of job are based online that it's not a surprise for anybody now.

Good luck!

scstinebaker@hotmail.com in Deltona, Florida said: Travis,
saw your comments on naa scams and did research on naa.
live in Deltona FL, need your advise as to what IMO or Insurance company to join. Where have all the previous NAA managers gone?
Please enlighten me!!!
Thanks ,
SCS
EMAIL ME BACK

most of the RECENT top dogs like ralph, christine b. , robert and michelle w. went to equita. Lots and lots of top 10 producers from the past few years as well as people and agencies we all saw at convention on stage jan 2008 are there too. leads are cheaper, u lead cost goes down the more you sell AND there are NO lead overrides. There are some others that went to the dendy group, more and more people are contacting them daily.

But dont take my word for it, just go ask one of those managers what they are doing now. Im sure you guys can find an email or phone number somewhere.

Jeff Parker in Little Rock, Arkansas said: Well, In the insurance business for 4 Entire months, I started with UGA, MEGA, Realized in a week it was a scam. Went to a local IMO, All they cared about was giving me 60% of the 100% of the 130% commission they were giving. 2 weeks figured that out and how to go independent. I started out without and lead sources and no book of business, and Sell for 7 different health companies, 20+ Life, 2 Supplemental companies and just started the commercial side now. We are pulling 20k a month in commissions. Of of our own generated leads. Not bad for the first 6 months in the Insurance business. We have 3 agents each focusing on one area, IE Group, Individual, and Supplements. Hopefully in a year we will have one of the largest local agencies in little rock.

I will Help anyone do this! Not recruiting you, just pointing you in the right directions....

Its Simple if you Look past all the BS your fed!

www.todaysinsurancesolution.com/

Hmmmmmmmm, smell a rat? Jeff states he has been in for 4 months! He is earning 20K a month within 6 months! The math doesn't add up!

Through a personal experience i found www.constructaquote.com to be an excellent insurance company. When I was looking for a job they offered all the benefits you requested and also have a great working team behind them who will give you all the information and training you need.
This site is for the London company however once you get into contact with them they may be able to put you through to their American branch.
Hope you find what you're looking for in them!

Can you email me some info at davis987654@yahoo.com. I would greatly appreciate your help!

Kim in Waco, Texas said: I am also interested in finding out more!
Kim

Kim, please share some info on this. Thanks, Greg

Jeff Parker in Little Rock, Arkansas said: Well, In the insurance business for 4 Entire months, I started with UGA, MEGA, Realized in a week it was a scam. Went to a local IMO, All they cared about was giving me 60% of the 100% of the 130% commission they were giving. 2 weeks figured that out and how to go independent. I started out without and lead sources and no book of business, and Sell for 7 different health companies, 20+ Life, 2 Supplemental companies and just started the commercial side now. We are pulling 20k a month in commissions. Of of our own generated leads. Not bad for the first 6 months in the Insurance business. We have 3 agents each focusing on one area, IE Group, Individual, and Supplements. Hopefully in a year we will have one of the largest local agencies in little rock.

I will Help anyone do this! Not recruiting you, just pointing you in the right directions....

Its Simple if you Look past all the BS your fed!

www.todaysinsurancesolution.com/

I am very interested in your approach to selling insurance and would like to obtain additional information on how you are doing so well so soon. This sounds very exciting. I am in Chicago.
Please respond.

Jack MeeHoff in Orlando, Florida said: Hmmmmmmmm, smell a rat? Jeff states he has been in for 4 months! He is earning 20K a month within 6 months! The math doesn't add up!

"Jack Meehoff" says enough! KM!!

Termchoice in Newbury Park, California said: ING
Chris I am also a broker and work from a home office in shorts and a tee shirt. Compare commissions and lead programs. termchoice@aol.com
AIG
PRU
Trans
WCL
Banner
RBC
Genworth
Aviva
Western Reserve

Hello I'm new to the business, and I have maybe a dumb question, but I'll highly appreciated if you answered it. What's the difference between a insurance Agent, and a Insurance Broker, are they different licenses one must obtain inorder to be a Broker, or it's the same license, maybe one has more expirience than the other, I'm in NJ, and it seems that both are the same is just one is independent, and the other isnt. Any feed back would be helpfull Thanks.

Jeff Parker in Little Rock, Arkansas said: Well, In the insurance business for 4 Entire months, I started with UGA, MEGA, Realized in a week it was a scam. Went to a local IMO, All they cared about was giving me 60% of the 100% of the 130% commission they were giving. 2 weeks figured that out and how to go independent. I started out without and lead sources and no book of business, and Sell for 7 different health companies, 20+ Life, 2 Supplemental companies and just started the commercial side now. We are pulling 20k a month in commissions. Of of our own generated leads. Not bad for the first 6 months in the Insurance business. We have 3 agents each focusing on one area, IE Group, Individual, and Supplements. Hopefully in a year we will have one of the largest local agencies in little rock.

I will Help anyone do this! Not recruiting you, just pointing you in the right directions....

Its Simple if you Look past all the BS your fed!

www.todaysinsurancesolution.com/

Thanks for this!
I have completed the licensing requirements in Florida and have begun with Bankers Life and Casualty as a Life Agent. I'm still in training but got really discouraged on my first day in the office - yesterday - when I just thought how difficult one of the requirements was going to be for me - and that is to go 'door knocking'. This was not a huge part of the requirement and will be combined with calls from qualified leads. I'm most worried about the person they partnered me with. A person who spent the entire day doing personal stuff instead of what she was supposed to be doing. I am great with people but this girl is going to put a big damper on me - I can tell. I don't want to think I wasted the past couple of months studying and passing the test. Just have to keep my eye on the prize and not let anything or anyone take me off course I guess - still just discouraged from my first day in the office.
Thanks for any advice or direction you would suggest

Derik Tutt in Atlanta, Georgia said: Kesha, I am a Realtor in the same boat as you. I've been doing research and thought I found the right company but I was wrong. I have finally found the right company as far as the quality of the lead system and the infrastructure. E mail me at deriktutt@yahoo.com so we can schedule a time to talk. I can also help you out as far as marketing your mortgage business online. I can show you all sorts of free tools you can begin to use immediately. Take care.

Please let me know about the insurance company. Adrienne

Termchoice in Newbury Park, California said: Selling Life Insurance Just Got A Whole Lot Easier And More Profitable!

FREE Sign-up! NO COST FOR MANAGEMENT SYSTEM

NO Paper - 100% paperless life application process. Say goodbye to those nasty 13 to 33 page carrier application forms!

40 Top Line Carriers with good commission rates.

Electronic Contracting with all 40 Carriers.

High Powered Term and Annuity Quote Engines allows you to quote your client the best carrier for their situation.

NO Processing Option- We can do it all for you with MyConcierge.

NO Medical Exam Scheduling - We do it all for you.

State Of The Art, Completely Integrated back office client management system doesn't allow prospects and clients to fall through the cracks.

Point And Click Agent Field Underwriting Process is fast and easy helping you get more applications through underwriting.

Fast Underwriting Process performed by licensed professionals assures faster commission payments.

Track All Of Your Policies every step of the way.

Task Feature makes follow-up a breeze.

Email Message Service automatically sends scheduled emails. This is also known as an autoresponder.

Access To 40 Different Carriers that includes a couple of carriers that provide guaranteed issue and instant issue products.

NO Hassles - You make the sale and we process the application.
This technology is all free, we just want to earn your business!

This technology is all free, we just want to earn your business!

Please contact me at: termchoice@aol.com

Please email me on what you are referring to. I am a new agent
in Florida (Life, Health, annuity). I really want to work
independent but I am just starting out with no experience.

Travis Taylor in Colorado Springs, Colorado said: If you are interested in starting your own agency. Give me a call I would like to talk to you about what I can offer. If you don't have time visit my website at www.natbrokers.com . You see the system, support tools, and yes health benefits I offer to my producing agents. Unlike State Farm, I don't force you into a one size fits all product line. I can give you access to over 50 major life carriers, in addition, to the support tools.

I am interested in being independant also. I just received my license for life, health, variable annuity in Florida. I haven't but will visit your website after this. Could you contact me please
james0088@netzero.com
Thank you

FHumphrey in Duluth, Georgia said: Hey there, I'd love to hear more about how you do this. Please e-mail me when possible. I currently work for a GA for Guardian in a client services role, but am licensed by both Berkshire Life and Guardian. My goal is to work from home selling health and life. Want to hear more about this agency management software. Thanks. fchump@bellsouth.net

I would like to hear more about this could you email me
at james0088@netzero.com
Thanks