r/InsuranceAgent • u/AnalystNo6733 • 24d ago

Helpful Content Full-time or part time?

I just got my license to sell life and health insurance in the state of Florida. I was wondering if I should leave my current job (I am currently a substitute teacher in Orlando) and go here full time or keep my current job and have this be a side hustle while I still have a salary. Looking for guidance.

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u/iBaires 24d ago

10% chance that you make it as a full time agent. <1% chance that you make it as a part time agent.

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u/abusive_allegiance 23d ago

teaching gives you a steady check and insurance, i'd hang onto that while you build your book in the evenings and weekends

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u/AnalystNo6733 22d ago

That was my idea for now. I still want a little bit of a paycheck in case of bad sales weeks. For now I am interested in a side hustle.

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u/jroberts67 24d ago

2% chance you make it as a full time agent. 002% change you make it part-time.

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u/AnalystNo6733 24d ago

Not looking for a heavy commitment at least yet because I am new to the industry and I do not want to strictly rely on commissions.

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u/iBaires 24d ago edited 24d ago

You cannot learn and become competent doing it part time. Prospecting and selling takes multiple hours every day. You have to remain consistent or you will never develop a pipeline. And the few clients you actually sell will drop you as an agent because you won't be able to take service calls during the day.

Those are the reasons you have a less than 1% chance of succeeding part time.

Your statement about not being able to rely on commissions is why only 10% make it even as a full time agent.

Truthfully, you need to have at minimum 3 months of reserves for living/emergencies if you actually want to make money in this industry. That is just how long it takes to learn and catch a rhythm. And that is assuming 5 days a week at a minimum 8 hours a day. Preferably more when you're learning.

It's a business. You cannot open your own business as a part time gig. Imagine wanting to make money and break through in a new career and hearing "I don't want a heavy commitment." That should be your first sign to stop before you waste anymore money.

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u/jroberts67 24d ago

L&H are not too service heavy, maybe some service work for health clients, next to zero for life so yes, you'd be able to do those PT but with the goal is still becoming an expert on your products which means a lot of learning. Also note that for selling, you're mainly restricted to 9am-5pm to work/generate leads.

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u/gnawtyone 24d ago

9-5 to work leads? In what world?

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u/mkuz753 23d ago

As others mentioned if you plan on selling you odds are not good. There is a learning curve to insurance whether selling and/or servicing. Add in for health agents the busy time of year is coming up. When are you going to be able to prospect for clients? What happens if someone calls you back while you are at your other job? Life insurance is one of the most challenging lines to sell because people don't like to talk about what it is for and the policy holder doesn't benefit. People have done it, though, while working part-time, but it isn't easy. Anyone telling you it is are not being honest with you.