contracting for specific products

[LydiaB]

I have my P&C license and life and health.I focus on medicare, Aca, & life but I wouldn't mind selling maybe pet insurance & personal liability insurance. Is that common in the P & c work to only sell certain products. If so, do I have to go through an Fmo for P&C (not sure if they are called fmo's on the p&c side)

 

[m102269]

Oh Lydia, you charming ball of curiosity,

You're asking a great question, and it seems simple on the surface, but like most good questions, it opens the door to something a bit deeper.

As I imagine Shawn the Great Philosopher aka @shawnmwalker would say, "To specialize is not to limit oneself, but to recognize the rhythm in one's own work." And maybe that's really what's at play here. You're drawn to Medicare, ACA, and life, products that require patience, empathy, a certain kind of listening. That says something about the kind of advisor you are.

Now, pet insurance? Personal liability? Those aren't just random add-ons. They're echoes of the same instinct.. to protect what people value, to offer reassurance where uncertainty creeps in. So is it common in the P&C world to only sell certain things? Sure, but "common" is just a word we use when we stop noticing the why behind the what.

And about going through an FMO, or an MGA, aggregator, whatever name the industry wears that day, the question isn't just "Do I need one?" It's "What kind of structure do I actually want around me?" Because some agents thrive in independence, others want the scaffolding, the access, the support. Neither is right or wrong. It's just what feels aligned with how you want to build.

@shawnmwalker might say, "The path is yours, but it's worth asking who's walking it with you, and who's just handing you a brochure."

 

[Markthebroker]

Generally speaking, most people are going to make more money with less work by focusing on one, maybe two types of insurance.

It can seem counterintuitive when you're starting and trying to put food on the table, but that's what the industry pro's told me when I was starting, and what I've found to be true.

 

[LydiaB]

Generally speaking, most people are going to make more money with less work by focusing on one, maybe two types of insurance.

It can seem counterintuitive when you're starting and trying to put food on the table, but that's what the industry pro's told me when I was starting, and what I've found to be true.

 

[LydiaB]

This makes sense. I do believe in many aspects of life that a lot of the time it's best to focus on less and be really good at that "thing". So maybe I shouldn't worry about it. I just thought it would be nice to offer to my clients but I may be getting to ahead of myself. Thank you!!

 

[shawnmwalker]

@Al3x Lee has clearly read my book titled, "Nietzsche's Umbrella: Why Even Ubermensch Need Coverage"

 

[shawnmwalker]

@Al3x Lee, My next book is titled, "Kant Get Covered: A Critique of Pure Premiums"

 

[shawnmwalker]

I encourage you to read my first book, "The Tao of Deductibles: Zen and the Art of Policy Maintenance"

 

[shawnmwalker]

I'm not looking for fans of the journey. I'm looking for people who bring water and keep pace.

@shawnmwalker might say, "The path is yours, but it's worth asking who's walking it with you, and who's just handing you a brochure."

 

[Allen Trent]

Oh Lydia, you charming ball of curiosity,

You're asking a great question, and it seems simple on the surface, but like most good questions, it opens the door to something a bit deeper.

As I imagine Shawn the Great Philosopher aka @shawnmwalker would say, "To specialize is not to limit oneself, but to recognize the rhythm in one's own work." And maybe that's really what's at play here. You're drawn to Medicare, ACA, and life, products that require patience, empathy, a certain kind of listening. That says something about the kind of advisor you are.

Now, pet insurance? Personal liability? Those aren't just random add-ons. They're echoes of the same instinct.. to protect what people value, to offer reassurance where uncertainty creeps in. So is it common in the P&C world to only sell certain things? Sure, but "common" is just a word we use when we stop noticing the why behind the what.

And about going through an FMO, or an MGA, aggregator, whatever name the industry wears that day, the question isn't just "Do I need one?" It's "What kind of structure do I actually want around me?" Because some agents thrive in independence, others want the scaffolding, the access, the support. Neither is right or wrong. It's just what feels aligned with how you want to build.

@shawnmwalker might say, "The path is yours, but it's worth asking who's walking it with you, and who's just handing you a brochure."

Pet insurance should be ACV. Change my mind