Yes your boss is the customer, but that is with anything in life. Without customers you have no income or you have no job.
Yes you answer to the insurance carriers as well, but the guys here forgot the major entity you answer to and they are the most important: The Centers for Medicare and Medicaid Services otherwise known as CMS and you answer to your State Office of the Commissioner of Insurance otherwise known as the OCI. CMS regulates your pay for Part C and Part D commissions and marketing and the OCI regulates your competency that you are doing your job correctly. Both of these government entities can suspend and revoke your Health Insurance license and end your residuals and career immediately.
That is the point of getting a license is so the government has total control over us all. If you are a libertarian or an anarchist you may have problems handling this.
This industry was a dream career to be in until 2009. CMS created 150 anti-agent marketing and selling regulations that year. CMS gave us the Scope of Appointment form, made selling C and D over the phone illegal, standardized and in most cases greatly reduced commissions for C and D plans sold, enrollment periods for Part C plans, and so many regulations on marketing C and D that will make your head spin. Many Medicare agents that weren't established prior to 2009 left the industry since then and went into different insurance careers or left the insurance industry all together.
Then in 2011 Congress passed legislation forcing all MA carriers to institute networks with their MA plans and that was the start to the end of PFFS MA plans which agents preferred to sell because PFFS MA paid exactly the same fee schedule that Original Medicare did to healthcare providers and agents could sell a stand alone PDP plan on top of that and made commission selling separate C and D policies. With MA or MAPD PPO and HMO plans the commission is identical, so you make no extra money selling the Part D with MAPD plans.
Shocker that negative sally is here to say the industry is bad.
You are bat sh*t crazy if you think there are less Medicare supp/ma agents today than prior to 2009. In 2009 I could see T65's 3 months out and sign them up right then. There are so many agents now that I have to see the 5,6 and 7 months out. You know why? Because it's a lucrative business. It's easy to work for yourself, take off when you want and make well over $100k.
Well that is of course except you. You obviously can't cut it in the industry because all of your post are negative and how you can't make any money selling these products.
I'm not sure what your goal is here on the forums. To make sure new agents don't become Medicare agents? Hell I can get on board with that if you just want to keep new people out to make more $ yourself. But if it's genuine that you think the industry is too hard to make money, do us all a favor and quit. More money for me. I heard Uber is a cool gig