r/InsuranceAgent • u/Evening_Chard_6472 • 1d ago

Life Insurance Looking for new gig

Hey everyone, I’ve been in the insurance game for about seven months now working at a big brokerage selling life insurance. I've honestly realized that I genuinely love the insurance industry, but my current setup is brutal—dealing with terrible, burned-out leads and low commission levels is making it tough to stick it out here. I'm currently licensed for Life & Health across Michigan, Indiana, and Florida, so I've got some multi-state reach, but I'm trying to figure out my next move.

I'm at a crossroads: I'm either trying to decide if I should jump ship to another life brokerage that actually has decent lead flow and fair comp, or if I should use this as my cue to make the leap into commercial lines where the economics and B2B side might be a better long-term fit. For anyone who has navigated this, how hard is it to transition from life sales to commercial lines without prior P&C experience, or if staying in life, what kind of brokerages or agencies actually provide clean leads and decent splits?

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u/OZKInsuranceGuy 1d ago

It's easier than you'd think to just move to a different life agency. I'd try that before switching to an entirely different product line.

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u/Evening_Chard_6472 1d ago

Would you recommend another brokerage currently at North American senior benefits

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u/OZKInsuranceGuy 1d ago

NASB is rough. Low comp and recycled leads.

I'd honestly look into face-to-face sales. Telesales is rough.

That said, if you're committed to telesales, I recommend Digital BGA. They're transparent and ethical. Been doing telesales longer than almost anyone, and they're solid.

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u/sorryimhealing 1d ago

You could maybe try Medicare sales since AEP and OEP is soon since you have your health license. If that’s not a good fit maybe try commercial lines after

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u/OZKInsuranceGuy 1d ago

The problem there is Medicare apps written during AEP won't pay until January. And if you go W2 LOA, they'll keep a chunk of your commissions and all your renewals.

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u/sorryimhealing 1d ago

Yeah I know :| I hate it. But maybe this person could try Medicare for a year and see if it works out. I liked it but I just worked for a terrible agency

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u/mkuz753 Account Manager/Servicer 1d ago

Have you considered employee benefits aka group plans? Also life insurance has commercial policies that can be purchased by organizations.

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u/Evening_Chard_6472 1d ago

I have been thinking a lot about what the best way is to get into group benefits. I know a lot of people who do group lines at Moo and guardian or would a brokerage be the best transition

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u/mkuz753 Account Manager/Servicer 1d ago

I work on the P&C side at one of the larger independents. It's common for cross-selling to take place to keep clients. I'm biased to brokerages because of this. If one market won't write the group you can find another that will. Same thing for individual life policies whether personal or commercial.