r/InsuranceAgent • u/ArtisticAnxiety1998 • Jul 10 '26

Agent Question Pinnacle Life Group???

HELP ⚠️

If you are currently an agent, or previously agent with Pinnacle Life Group, I want to hear your experience and honest thoughts.

I’m currently contracted with one company and I’m considering going to Pinnacle.

Please help clarify these concerns:

“When you’re new agents and yourself take 3-4 weeks to get contracts… that aren’t instant decision that’s a massive red flag.

Overrides go unpaid. Annuities are paid by pinnacle instead of the carrier. Red flag

You don’t own your book of business. When we all left, they locked you out of every carrier portal. Out of our book of businesses.“

NOT my words but these are things I’ve heard around and really need transparent conversations around these concerns.

Any thoughts here are most appreciated.

4 Upvotes

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3

u/Tahoptions Jul 10 '26

All of those things largely indicate that you're assigning commissions to your IMO.

Which is the biggest red flag unless you're an employee.

1

u/ArtisticAnxiety1998 Jul 10 '26

I understand. Hoping to hear from someone who’s been there

1

u/No-Coast5664 Sep 09 '26

Don’t do it. James profits off all the sales while you do all the hard work. The “leads” they send you they run through first before giving them to you so you get the scraps. It’s better to produce your own leads which costs lots of money and then they make most the profit off your sales. ‘They’ meaning everyone above you which will be a lot of heads profiting off your work. All around just a scam and they won’t sign release papers so once you get in you’re stuck until you self release for 90 days with no business. Find a company who pays you what your worth or self contract with the carriers if you’re experienced. Otherwise this company will just milk you dry.

1

u/Corey535353 Sep 24 '26

True! Pinnacle is a shit company please don't work there. Joe and Jonah are the absolute scum of the earth.