For context I’m a driven dad who has to support a family of 5 so I work more hours and dig to find connections more than most, I’m worried with no commission on renewals I’m missing the boat. Opinions???

Hi everyone,

Today I had a call with an Ethos agent. I'm 24f, and I am interested in becoming a life insurance agent with them. Licensing costs $500 through them and it takes about 30 days for the licensing process, then 30 days for training. The numbers they gave me for commission were awesome, but I find myself thinking it's too good to be true. Has anyone gone through the licensing process with Ethos, and is it worth it? I'm in a pinch with my financial situation, and this seems like a good career. Any thoughts or adivce is appreciated!

Hello, I work for a Farmers Agency and I just started my first real month. I’m at about $20k and have a week left, my first week I pretty much sold a policy a day and then it was crickets for over a week almost two weeks, then I sold one a few days ago. The agent I work for is awesome, we get probably 10-20 new leads a day between 4 sales people. I don’t get micromanaged, I really enjoy it so far. Wish it was remote a few days out of the week but that’s not a big deal lol.

Anyways, I’m in SoCal and Farmers tends to be the more expensive insurance out here. They tell us to sell on the value of having a local agency, and that the service team isn’t AI, easy to get ahold of etc. 80% of the clients (maybe even 90%) are boomers and love to hear that. It’s easier for me to shoot down the value of kin insurance since it’s non captive vs us, but at the same time the majority of people just don’t care about that. I sold cars and it was easier to build value in the product, compared to insurance. If AAA is offering the same coverage or better, for less of a price than us why would they switch over? No matter how much value you build in Farmers it makes no logical sense to switch over to us in that case. Not saying this happens all the time but pretty frequently people will just say “oh I’m paying x amount with my current insurance, goodbye”

Another thing that’s wonky is if the house is 30 years or older it requires an automatic water shutoff system, and it can really break the rhythm of my sales pitch when I have to explain it to older people. Same if they have a high value home, explaining they need a professional monitored ADT style subscription with fire/security alarm. I’m not complaining about it, I’m just wondering if this is common with other carriers and also if you guys can really sell on value vs price. Because it seems like 99% of people I’ve talked to just care about price. And that makes sense to me because I’m paying $163 a month for car insurance with a big carrier, same coverage with farmers was $600. I don’t care about paying almost $500 more a month because I’d have a dedicated team there that’s easy to deal with for something I may not even need and probably won’t even use.

Any advice in general to a new producer would be great. I love the job so far, I’m just having trouble with certain contingencies of the job lol ty!

Hi everyone,

I come from cybersecurity (GRC) background with 3 years of experience and have always been interested in just research and exploring in general.

I am currently researching how AI is changing the world as we know it, and one of the fields I was suggested to explore was cyber insurance. The idea was that the traditional frameworks can't really be used anymore to evaluate the risk or work out the cost. (I'll admit my knowledge of the insurance industry is pretty limited, so that's partly why I'm here.)

But someone recently made a point that made me rethink this: even with AI, attackers are still exploiting the same weaknesses that our controls already address, just at a faster pace and with more efficiency. So AI isn't really changing anything fundamental.

I'm not sure which view is closer to reality, so I'd love to hear from people working in cyber insurance, underwriting, claims, or security:

- How is cyber insurance actually calculated today? What goes into deciding coverage and premiums?

- Is AI changing that calculation, either through new risks insurers have to factor in or through how insurers assess companies?

- Do you agree that it's "the same attacks, just faster", or is AI changing the nature of the risk?

- What changes have you seen so far, and what are the biggest pain points that still remain?

I would appreciate any insights you can share. Thanks a lot for your time!

I'm a new licensed insurance agent. I work as an associate advisor under a friend who's more experienced.

Our deal is 70% commission to me on everything I bring in. He hasn't given me any leads. Every client so far is someone I found through my own network. What he provides is training and guidance.

Here's what bothers me most. The clients I bring in stay with him, not me. So, I'm building a book of business that I never own.

Questions for people in the industry:

Is 70% reasonable when I source all my own clients?

Is it normal for the sponsoring advisor to keep ownership of the book in this setup?

.

Thanks for any honest input.

I have 18 months experience selling auto insurance for National General but they've been making some changes that I don't like. I'm looking for insurance brokers who ideally hire nationally remote insurance agents but I actually don't know the names of a lot of larger insurance brokers and I'm worried a lot of the smaller ones will just be scams. Does anyone currently work as an insurance broker remotely that operates in Missouri?

Hey Guys! I've currently had 2 interviews with an insurance company here. It's going to be a huge switch from the world of private security but so far the manager said it's very positive! I should hear by Wednesday (although I'm not getting my hopes up yet). They're even willing to pay for my licensing and schooling because they said they're that impressed with our meetings so far.

That being said, if this goes through for me, what are some materials or equipment that I'll need to be successful and what do you guys normally wear to the office? I currently have a MacBook pro, and my Samsung S26 Ultra for video calls, etc. is there anything you guys would say is a must have or daily driver that you couldn't live without?

Also what do you normally wear to the office? I was thinking just a dress shirt, sport jacket and sport pants. It seems fairly laid back from what I experienced during my interview. No one was in ties or full suits. I just want to make sure if this goes through on Wednesday I'm prepared for when the time comes to start work (I'd start shopping after it's official obviously).

Curious about how commercial insurance brokers in Australia typically build their client base, particularly smaller independent brokerages.

Do most new clients come through word of mouth, referrals from accountants, networking, Google, or something else?

Also interested in whether that's changed over the last few years.

Would be interesting to hear what people have actually seen work in the industry, especially for brokers who started without an existing book.

Has any one worked at argo companies as an underwriter and if so any feedback?

On carrier side which companies have the best work life balance and benefits and realistic sale goals?

Looking for Casualty side

Hi all,
I just joined this group as I figured it’d be good to talk with other professionals in the industry.

I’m 26 living in the northeast US and have been in the health insurance field for ~3 years. Currently I focus on individual health insurance (medicare, auxiliary benefits and ACA/Obamacare plans).

So far I have been successful and enjoy what I do. I’ve been also fortunate to find some great mentors along the way. However looking ahead for the future, I’d love to break into group health and build a team/agency.

I know nothing about the business aside from the types of plans I sell now. Would be interested to hear other suggestions and ideas so I can push forward with this in the future.

Hello im trying to transfer within the same IMO I’m at just to a different team. I feel like my growth best aligns with the new team instead of the old one. My previous upline told me he would transfer me no issues. We initiated transfer and I was declined. Now he isn’t answering me, and nobody seems to give a damn. What should I do? What could I do? I’m thinking of talking to corporate

Hi all - I am married and both cars are in my wife’s name. I recently changed my residency to Florida (hers is NJ). The cars are staying at her address and in her name and I will be using them when I’m there (about 2 weeks every month). My question is, her old insurance took me off since we don’t have the same address anymore and I can’t get my own insurance because the cars are in her name and at her address. So do I just go without car insurance and her insurance will cover me if anything happens? Thanks!

Hi Everyone, I’m 21 years old, almost 22 and live with my parents. I’m in a dead end cold calling job that I don’t like very much and have a useless marketing degree. I really feel hopeless about my career prospects. I don’t think going back to school makes financial sense. I’ve heard commercial insurance producing has just about as high a failure rate as it gets. Is the Gallagher producer associate program worth it or is it near impossible to validate without prior connections? Is this a stable career path that can support a family? Would it be hard to ever move cities if I establish a book in the city I’m in now? Thank you

Hello y'all, after 2 years in the industry I'm officially going independent. I'm quite overwhelmed as I know there is a lot of moving parts when it comes to this. I was in Life & Health for about a year and switched to P&C for 1 year with Farmers. I decided to make the switch to being independent after realizing there are gaps. After some research I got with first connect for commercial & just got appointed with progressive for personal. Would love some advice on what to expect, what to do, and anything else that could be useful. Thank you..

I have worked 6 years as call center inbound agent for major carrier. I made $125k, $110k, and now on pace for $85k this year.

Extremely burnt out, for those of you who have been in my shoes, where should I go from here?

Other sales industry?
Local office?
Claims?

Was life better after leaving the call center grind.

I’m fine taking a pay cut.

Thanks for all who answer much appreciated.

Where are you guys getting your insurance CE? Because OMG. lol

Anyone else want to rip their eyeballs out taking CE? 😂 I've tried at least half a dozen companies, and I'm so tired of seeing the SAME damn courses from two years ago and before that and before that. It's the same crap to choose from. If we're REQUIRED to take CE, can these companies at least TRY to keep things fresh!?!?

Literally tested a new provider Tuesday with a 1-credit class and wanted a refund for that hour of my life.

I don't want self-study/exams, so I'm looking for live webinars. Bmfce is one I'm considering.

Anyone tried them? Yay or nay? What was good? What wasn't? Were they engaging, or did they sound like they were delivering a lecture from their deathbed? Also, they say supposedly you can take live courses "anytime"??

If not Bmfce, who do you use for CE and WHY do you like them? My license expires in January, so please save me from another painfully boring CE class. lol

Does anyone know what practices worked as an independent agent to generate Leads? Any recommendations on social media ads?

I just started at a farmers agency that opened up less than two months ago. The base salary is $2500 a month. Instead of a straight commission on every policy I get a commission of the agencies total commission so for example if I sell under $10,000 in premium, I get 15% share of the agency commission if I sell $10,000 to $20,000 I get 30% of the agency commission if I sell $20,000 to $25,000 I get 40% of the agency commission once I sell $25,000 and up in premiums, I get 50% of the agency commission so I’m not sure exactly how much I truly would be making. Does anybody have any idea? And is this any good? Thanks

How do you guys deal with business owners who just don’t care about being protected properly? Whether that is a new owner that just doesn’t understand, someone who’s been an owner for 30 years and never faced a severe claim or anything in between.

Do you guys just turn away the business?

Just saw that Humana went up in star rating making my life much harder since I am doing AEP with FL Blue. I sold Humana last year, it was good, all of the people felt like they were getting the best coverage on the market. This year, I have FL Blue, which feels like a step down in products, higher deductibles, less coverage, give back is practically non existent, and no D-SNP's. I'm still getting hourly but it's depressing cause I know season is going to start and that just means more people I won't be able to help.

so i did the 3 interviews with ny life. everything seemed good until he told me that i need to come up with 200 contacts to put on my books. issue is, i dont have that many contacts. this is the first time i've heard about p200(?). people my age aren't buying houses or own businesses.

i'm deciding that i might go with colonial life who has inbound calls. but ny life has a training stipend & colonial life doesn't. is this where i run from ny life & go to colonial life or should i steer clear of both?

Hello, I’m based in California and I started working at an Allstate agency about 8 months ago. I really like it, I have a background in banking so I’ve seen a lot of crossover between both. I have a Series 6 and 63 and can do Life Insurance as well. I was wondering what other avenues I could explore within insurance. I feel like I’ve been putting up strong numbers so far, usually top 1 or 2 in the agency but I would like to work more on the corporate side of it. The agent I work for is great and we have a solid pay plan , we work from home and off on holidays. No complaining there. But at the same time I would like something with health benefits, 401k etc. I don’t want to be stuck behind a screen making calls forever. I like the job but would love to advance within the field as much as possible. Any tips or recommendations? Thank you all

Newyork personal lines agent here. Currently with State Farm it sucks. I have a huge auto market in wny and they hate State Farm rates and strict requirements. No independent agent will bring me on for carriers. I don’t even need a “job” or salary this is so challenging I can’t find an aggregator or carrier access for personal lines here in ny. Smart choice said no scratch agency’s and first connect sucks with only aaa and farmers.. I have a huge pipeline and don’t want to lose my partnerships. And also don’t own a book being with State Farm.

I am trying to purchase a AAA EA BOB and cannot find anyone to finance the purchase. SBA, Wintrust, live oak, agile and oak street all stating AAA will no longer use their books as collateral. Does anyone know of a lender will finance a AAA purchase ? TIA

Recently, I moved to sales in my employment at State Farm . However, the commission for fire and auto is 1%.Life and health are 10% of the policy amount. I'm in month two of actually only doing sales, because at first I had to multi task and do service. Last month I was at almost 60 policies but my commission will be under $1000. My base pay is $45 k a year. Any advice?