bgassassin
New Member
- 15
Hello all. I've been lurking these boards the last couple weeks and have learned much just from what I have been able to read. To give a background on myself, I started out in an Allstate office as an agent ... excuse me subproducer for almost three years. I primarily focused on home & auto, and wrote some life. I am licensed in Tennessee with L&H non-res's in Mississippi and Arkansas. This year I decided to venture out on my own when I found out about AFLAC. Ok company, but I was running more into people who wanted major medical so I started searching.
Fortunately I received something in the mail from an RSD with Assurant not too long after getting with Aflac. Well I ended up leaving the duck when I learned about VoluntaryMart, which IMO is much batter for individuals.
I started looking for some other providers to add since one of my primary targets (single women) would probably need a policy that provided first-dollar benefits for their annuals since it seems that Assurant does not for individual policies (and if I am wrong on that please explain it better). Aetna was the one I started researching and was how I came to this board. It seems that the cons outweigh the pros here. Golden Rule seems to be a good one, but how would they be for women's annuals? Also, are there any companies with decent dental and vision add-ons?
On the life side I am with the dreaded NAA. I found out about them through a former coworker at Allstate who had actually filled out a lead and talked to the agent about how it worked. He called me and told me about it as I just so happen to be looking for life provider (he thought I was still with Aflac). I checked into and decided to go ahead with it.
Now before some of you come in bashing the drivel out of NAA, I have read enough threads here to save you the trouble of not having to repeat yourselves (that dvd guy actually made me like NAA less, I hope he wasn't that serious).
I am always looking to learn and found out the best opportunities. Plus, I set up a life policy for my last client from Allstate (who called me checking on who their friends could get insured with while having I believe a pit) and didn't care too much for the actual price or to find out I needed to add a rider just to get their 20-yr term policies fully guaranteed. 
Based on what I have seen here, it seems like AIG, Genworth and Guardian are good ones for life (and more than enough. Now I did notice that Genworth said an independent agent must be appointed with an intermediary. What is an intermediary and how do you get appointed?
I'm also a little disappointed finding out about Assurant's advance caps being has high as they are after reading healtagent's thread. My RSD only told me about the $500 and $1000 and I found out recently that I was put on the $500. I talked to him about it and was told that I need to write a commitment for how much I will produce before getting bumped up to $1000. Anything else I can do about that?
Ok, I've typed enough. I'm glad I found this place and know I can learn a lot here. After all, why should I make mistakes that you guys have already made and seem willing enough to help new guys like myself out. Thanks.
Fortunately I received something in the mail from an RSD with Assurant not too long after getting with Aflac. Well I ended up leaving the duck when I learned about VoluntaryMart, which IMO is much batter for individuals.
I started looking for some other providers to add since one of my primary targets (single women) would probably need a policy that provided first-dollar benefits for their annuals since it seems that Assurant does not for individual policies (and if I am wrong on that please explain it better). Aetna was the one I started researching and was how I came to this board. It seems that the cons outweigh the pros here. Golden Rule seems to be a good one, but how would they be for women's annuals? Also, are there any companies with decent dental and vision add-ons?
On the life side I am with the dreaded NAA. I found out about them through a former coworker at Allstate who had actually filled out a lead and talked to the agent about how it worked. He called me and told me about it as I just so happen to be looking for life provider (he thought I was still with Aflac). I checked into and decided to go ahead with it.
Now before some of you come in bashing the drivel out of NAA, I have read enough threads here to save you the trouble of not having to repeat yourselves (that dvd guy actually made me like NAA less, I hope he wasn't that serious).
I am always looking to learn and found out the best opportunities. Plus, I set up a life policy for my last client from Allstate (who called me checking on who their friends could get insured with while having I believe a pit) and didn't care too much for the actual price or to find out I needed to add a rider just to get their 20-yr term policies fully guaranteed. Based on what I have seen here, it seems like AIG, Genworth and Guardian are good ones for life (and more than enough. Now I did notice that Genworth said an independent agent must be appointed with an intermediary. What is an intermediary and how do you get appointed?
I'm also a little disappointed finding out about Assurant's advance caps being has high as they are after reading healtagent's thread. My RSD only told me about the $500 and $1000 and I found out recently that I was put on the $500. I talked to him about it and was told that I need to write a commitment for how much I will produce before getting bumped up to $1000. Anything else I can do about that?
Ok, I've typed enough. I'm glad I found this place and know I can learn a lot here. After all, why should I make mistakes that you guys have already made and seem willing enough to help new guys like myself out. Thanks.
