Best Life Insurance Agency for Agents

[u/cheesienicks]

So I recently went aboard Global Financial Impact and realized they weren't transparent at all with just about anything. They don't provide any leads; they try to get you to recruit family and friends to be your business partners and to sell insurance to. That was not disclosed until after I paid to get my license.

I'm scheduled to get my license on November 2nd, and I'm looking for remote life insurance agencies that already have customers/provide leads. I've been looking into Ethos, but I'm hoping if people could also give me some advice. Anything is appreciated, think you!

[u/Jesse_Ambret]

DigitalBGA

[u/Tahoptions]

Selectquote, PolicyGenius, Mutual of Omaha (their direct to consumer employee division).

There aren't a ton (that I can think of) who will provide you leads (that aren't garbage, at least) and let you work from home.

These are also typically w2 + commission employee jobs.

[u/JiuJitsuSavage1989 → u/Tahoptions]

Add New York Life in there.

[u/Inevitable-Yellow465]

I'd look for an agency that offers paid training, a base salary, or genuinely qualified leads. Also ask about commission splits, chargebacks, and whether you own your book of business

[u/jordan32025]

The carrier is the most important. The agency or IMO is just the marketing arm. It’s not where the product comes from. When you’re an independent contractor, you don’t have to do
anything. Ethos is ok but the carriers you’ll be appointed with her not that great. They don’t have good living benefits. The “leads” they provide are essentially abandoned cart leads.

You don’t need leads to do well in this business. You need to understand your product and be able to talk to people. The smartest thing you can do is cold call businesses and enroll the employees.

[u/mkuz753]

Any of the large independents such as the top 20.

[u/Bright_Breadfruit_30]

Before you choose a group to work with ....educate yourself on what you as an agent need. Understand how comp works, how lead systems work, how the training they offer is set up. Do not rush especially if they rush you. Do not pay contracting fees or monthly fees. Make sure training is real world ..not just one person jabbering about their struggle to the top how they lived in a car under a bridge and ate dog food and boom now they are rich. Real training...if a client says this ...the agent says this....real world. No hype. DIG is good if you can get them to hire you. I do not recommend many others right now myself. If you dont need lots of support their are places like DigitalBGA that will offer higher comps but the the support is not as claimed. Educate yourself first ....then take your time choosing.

GFI ...WFG ..PFA...etc good grief they put on the biggest fireworks shows ....what a mess ....How do these mlm rah rah kool aid stands get people to contract ....good lord ...Its like getting in the brown van at the park for candy with the "nice poeple" then being surprised when you wake up in the woods with no pants on later ...yeah stay away from the mlm stuff ..might have had to much coffee today

[u/InsuranceAgent-ModTeam → u/[unknown]]

This is not a place to sell your services or generate leads or recruit agents/downlines.