Health Choice One Versus Stephens Matthews

[NewFloridaAgent]

I am new agent starting on my own and I was curious who I should go through. As a new agent I need an advance, but I do not want to get in a bad situation down the road.

The levels seem kind of low. 10% with a 6 month advance with Golden Rule and 10% with a 9 month advance with Humana? Is that good for a new agent. I plan on writing quite a bit of business, but are other agencies offering more?

I always like to do business while knowing what someone is making off of me, but it is hard to find these numbers. Even if I call the carriers direct, no one can give me an upfront answer.

Sorry if this question has been answered before, but I am new to the forum.

Please Help!

 

[STIBROKER]

Health Choice One........................................

 

[frankd]

Hold on a second! I have a 14 point direct contract with Golden Rule. So if you are getting 10% what are the GA's making? 3 points or 5? Meaning they are still making 18 to 20%?

 

[Todd King]

I've heard good things about Stephens Matthews. But then again I've heard good things about HCO. My personal experience with HCO was not a good one!

 

[CALTCAgent]

I did not like HCO when I talked to them. I don't like the way they do business. Not upfront and straightforward, IMO.

 

[frankd]

Does anyone know what the GA's make or what the top level is on Golden Rule?

 

[YouGotMyMoney]

if your going to post negative reviews about an fmo, you must give an explanation, otherwise it wont help anyone
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Does anyone know what the GA's make or what the top level is on Golden Rule?

16-17 % points

 

[NewFloridaAgent]

My main concern are the whispers behind doors. No one can give me a straight answer on how much they are making off of me. I do not care about support or training. I just want to make sure I do not get locked in a contract that seems like MLM almost.

Can anyone tell me what the top contracts are? Agent or agency?

I like to know before I sign a contract how much someone is making, too.

 

[frankd]

if your going to post negative reviews about an fmo, you must give an explanation, otherwise it wont help anyone
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16-17 % points

He kind of did say. He said they weren't upfront and honest which happens to be something I have heard myself.

Also if they are making 17 points (which I doubt it can be that high) then they are keeping close to 40% of the comp after health care reform?

 

[NewFloridaAgent]

I did not like HCO when I talked to them. I don't like the way they do business. Not upfront and straightforward, IMO.

CALTC what happened at HCO? Where are you now?