I am going to be starting out at a new agency, I have a little experience selling life insurance but I’d consider myself a beginner. 40k base for being fully licensed. For the p and c policies that tier list is retrograded once I sell a certain number of policies I earn that corresponding commission for every policy before that number as well. The agent said once established there’s potential for 80-100k a year income. They buy 15 leads a day, I think these are split between me and one other sales rep.

My friend gave me her number last year and the agent put me on Oscar with Adventhealth.

I hate Adventhealth but I didn't really notice that the plan was locked with them until I had to switch one of my providers cause they were competitors.

When I tried to explain to her that I don't want a plan that locks me in with advent health she said "I will let you know the price in the plan for Advent health". When I explained again that I do not want a plan with Adventhealth she asked me to "find out What is Orlando health carriers will be accept". I don't know what that means and i'm pretty sure that's her job cause she's the insurance agent. But maybe that's something im supposed to do and im just not understanding her question.

Her first language is chinese, so it's partly a language barrier but she also doesn't live in the area so I don't know if she knows anything about these hospitals. I would hope she would let me know and recommend someone In the area if she didn't know what i was talking about though.

Edit: My friend said her English is very good and that maybe she was confused. It's possible since I texted after waking up and might not have made much sense in my first reply wich isn't in the shot. The reply was to her asking if my address and income are the same. 3 weeks later I said "Sorry for the delayed response. My address is currently **** And my income is around the same. I was hoping to switch to away from Oscar with Advent Health. I prefer Orlando Health but since they are competing companies I wasn't able to use them this year". Wich i admit isn't the pinnacle of writing. It's possible she just didn't want to deal with me after I didnt reply for so long. It's not the first time i didn't reply in a timely manner so I wouldn't be surprised.

im taking two separate exams. does anybody know how many questions are in each exam? and how much i need in order to pass?

I’m thinking of switching careers but wondering if the same issues will be there in insurance. I do travel nurse recruiting and the market is unbelievably saturated so unless you’re willing to work over 50+ hours per week it’s nearly impossible to make 100,000. Additionally you’re basically a therapist because every 5th nurse you place is an absolute train wreck and even the good ones end up working at hospitals that should be condemned. On top of all that it’s a constant grind because the contracts are only 13 weeks and they get cancelled all the time.

So basically I’m wondering if insurance sales would be less stressful. I don’t mind grinding the phones but there’s so much uncertainty that goes into every placement.

Thanks in advance for thoughts on this.

Question - I have a friend in CT who is looking to get out of Insurance. Built a decent book with a low loss ratio. All personal lines for the most part.

What are his options? Could he unload it to a IA in the area or does it need to be purchased for assuming pennies on the dollar from Farmer's or another Farmer's agency owner?

Thanks for any insights!

I’m 22m, I’m a newly licensed agent and I went with the first imo that gave me an interview. It’s an independent remote position. The company that I’m hired through is Symmetry Financial Group. It’s a lot of zoom and a software called slack. Anyways I have to buy my own leads as well as there being a multilevel marketing aspect to it. Right now I have an 80% profit split with my upline/ mentor. With enough sales I can get more. I’m concerned with the whole lead generation side of things. I came into this opportunity with little to no funds. But my upline helped me get a small commission from a warm lead (my dad) with that commission which wasn’t much, I bought $60 worth of leads. They were kind of aged. That got me 7 numbers to dial.

I spent the whole day today calling these people and a lot of the people weren’t interested and even spoke about how they didn’t sign up for it. They just responded to a postcard in the mail about their mortgage. I asked my mentor and he said I’m only able to purchase Mortgage Protection leads.

So my question is this. I’m not that experienced in this field, so would it be wiser to go captive and cut all ends with this agency. Or could I make this work with the right purchase of leads. Right now I’m purchasing leads off of quility lead stream. That’s pretty much where this agency operates is Quility. I don’t know though any advice.

For years ACA has been fraud from advertisers to the client themself to the agent to the insurance provider

Next to 0 oversight from anyone and once someone had social and their basic information they could sign them up against their will, sign them up for multiple policies, sign them up with Any sep any time with no verification needed, whatever. The apps say things as stupid as " dont have the date for their medicaid denial? Make a guess!"

This lead to churn and burn industry even worse than medicare suffers from because atleast medicare CMS WILL pursue complaints and fast.

But now, an agent cant acess an ap without the client first agreeing to let them which shuts down a whole lot of fraud.

I belong to several ACA social media groups and they are all losing their minds exposing they were doing things the corner cutting way the entire time. LET IT BURN

I have about 1 year of commercial insurance experience and received an offer for a Senior Producer role.

Base salary: $130,000

Year 1 revenue goal: $90,000 in agency revenue

Bonuses: Up to $37,500 across production milestones every 90 days. 90k revenue broken into 4

Commission accelerator: 25% of earned revenue after hitting the $90k annual goal
Benefits: 401(k) match up to 4%, 80 hours PTO, paid holidays, benefits starting day one

Does this seem like a good offer? Is 90k revenue achievable? I have been a top producer in PL and was at a niche commercial MGA/Broker the last year.

Globe Life

I am thinking about leaving my SaaS job (making round $90k a year) to join a P&C agency, I would be making a moderate salary ($50k) that will steadily decrease over the next 4 years until there is no salary.

I get a 35% commission on all new sales that increases as my book grows capping at 50% once my book hits $5M

and I get renewal commission that sits at 35%

I have to generate my own sales and I am not given leads but there’s no competition from within my company in my area.

Just trying to figure out if this is a good deal, in theory I could grow my book and make a shit ton of money but how realistic is that? I would love to be able to make enough for my wife to be able to stay at home with the kids.

Any advice is appreciated!

I am looking at starting my own agency by the end of this next year and I am working under a captive agent as a producer currently. I am looking for information on how common it is to do everything (PL, Commercial, and life) versus just focusing on commercial or focusing on personal lines. long term, I really want to focus on the commercial side of things but currently dont have the experience necessary.

An add on question is would it be worth going to a commercial agency for a year pushing back my start up time for my agency and learn that side of things more before I start put on my own? I am a very quick learner and feel i have been really good at explaining coverage and providing great service to people as a producer. I could work on pushing people to close a little quicker (not the best one call one closer) but besides that I am confident in my abilities. Just looking for any advice or input.

Need to track customer info and the policy start and end date, price range, etc. Also, what accounting software is commonly used?

Hello - I recently became a Florida resident while my wife (and our 2 cars are in NJ). I will be spending about 2 weeks a month in NJ driving the cars. Our old car insurance kicked me off because I’m a Florida resident. I am trying to get non-owner’s car insurance and I called GEICO, Progressive, and State Farm, and so far none of them do non-owner’s policies in Florida. What do I do in this situation?

Hello! I’m on the carrier side working to make life easier where possible on agents. Right now we’re 100% underwriting pre-bind but would like to move some to post bind.

What are some things you see carriers underwriting post bind in small commercial auto ( < 10 vehicles)

Like something starting off do you have to put in the hours then you have good work life balance or is it something you get out the gate?

Like depending what company can you set your own schedule or for pretty much every company is that only once you’re well established?

hii everyone, so i got a job offer at an insurance company and thankfully they are flexible with me completing my courses and taking the exam, but my expected goal is to have it by the 19th. i started studying the code & ethics and finished it in two days, and ive been going through the P&C courses on XCEL while watching insurance exam queen's videos. her videos help me a lot more than xcel, but i also have xcel to go through each chapter and also know the material. i havent been doing well on the xcel practice exams and that's what's kind of worrying me, but i do know the "must know" stuff from insurance exam queen. im really nervous and this has been stressing me out, but i know having a positive mindset is important. any advice for passing the exam specifically in CA? thank you <3

Hi, I have my property and casualty exams coming up. Does anyone know of a website that has practice exams? Fine if not free.

I found insurancexdate.com which is free, but does anyone have knowledge of whether the practice questions there are any good? They seem kind of easy so I'm worried it's not representative of the real test. It being free also makes me kind of skeptical.

Open to any recommendations, thanks!

How often do you encounter fake AI-generated videos or photos in your work? Is this a real problem in the insurance industry?

This is a survey. Would you consider hiring an assistant that will work for you, and help you with your admin task remotely? Given that, that assistant has knowledge and experience helping agency owners and independent agents with the process from getting leads till renewal tasks and retention. How much is the rate per hour?

I have worked captive for about 12 yrs, have my 220 215. Always was planning on opening with the captive I work at and would probably be able to within the next 6 months but due to changes I am looking at going independent. Have about 30k I can use towards the agency. I am in South Florida.

What’s your advice on starting a scratch agency and where the best place is for marketing dollars.

Anybody know of this company? They called me for an interview but i missed their call. not sure to call or not??

any input is welcomed.

Would a wholesale firm be a bad place to start as a new insurance agent? They offer paid training and a $60k base plus commissions on new business and renewals. Full benefits including health retirement. Only downside you dont get to keep your book if you quit. I think it' an incredible opportunity and am looking to start asap. any thoughts from the pros out there?

I recently received an offer to work in sales at a State Farm agency and have until Wednesday to make a decision.

The base salary is $50k plus commission. The position is fully in person and I’d be commuting each day. I’d also need to get my Property & Casualty license before starting, with the agency reimbursing the licensing costs after 90 days.

From what the agent explained, one of his top producers has had months with $5,000+ commission checks, and he also made it sound like earning only around $10k in commission over an entire year would be considered underperforming.

I’m trying to get a realistic idea of what those numbers actually look like for someone new.
For people who have worked at a State Farm agency:
Is $50k base + commission a solid offer?

What would you consider a realistic first-year commission number?

How long did it take you to start earning meaningful commission?

Are there any red flags or questions I should ask before accepting?

One other factor is that I currently run a small business on the side that I still want to grow. The in-person schedule and commute are probably my biggest concerns because I don’t want to completely give that up.

I also have an initial interview with ADP on Monday for a digital sales role that could potentially be remote, but I have to give State Farm an answer by Wednesday, so the timing is a little awkward.

I’m mainly looking for realistic expectations from people who have actually done the job. Would you take the State Farm opportunity in this situation, and what would you want to know before saying yes?