How to begin selling life insurance?

Meshell

New Member
1
Hello everyone,

I am excited to be here and will first start by introducting myself. My name is Michelle, I am currently a respiratory therapist who has a full time job with a DME doing both the sales side and respiratory care in the home.

I am looking to sell life insurance as I'm sure you could imagine with me joining the forum.

I have been doing a ton of research and trying to understand it all but it is a ton to learn. I currently have 3 IMO's trying to recruit me. Eqios, Symmetry and FFL. I also applied to NYL but NYL doesn't seem like something I am able to do part time while I learn and keep my current job so I do not see myself going with them. Of the other 3, they all sound very similar, preach that they are the best and how sucessful you can be with their trainings. After reading more and more about the companies though and trying to do my due dilagence before choosing I must say it's a hard and scary choice to make.

Since a majority of you seem to be very knowledgeable and seasoned professionals I have come here to ask. What is the best way for me to get started and get the proper knowledge I need to succeed?

Of the 3 companies, the most experienced person I talked with has 10 years in the insurance industry so she wins for being the one with the most knowledge out of everyone I spoke with. They pay for my pre licensing course and I attend a boot camp which seems like it'll be good for learning the in's and out's but I understand that when I leave they want me to sign that contract before they release me which I don't like. Of course when I asked the women about it she says no you never sign anything, she also came from symmetry and has never tried to leave FFL. I guess it'll be interesting if she ever decides too.

Anyhow, it is worth it to let them pay for everything and just get myself on the ground running and go from there? Or is there a better route you suggest if I have my own money that I am okay putting towards my training and license to reap better rewards?

Open to all the input, and thank you in advance!
 
FFL will certainly require you to sign a non-solicitation non-disparagement if you choose to ask for a release. Very bad idea. Leaves you vulnerable to litigation, and Shawn Meaike has proven that he will sue anybody for almost any reason.

If you were my friend, I wouldn't advise that you sign with ANY of those three IMO's. Low compensation, MLM culture, and very difficult to get quality leads. I would advise you reach out to one of these 4 IMO's:

1. Ben Boman - Final Expense Services
2. Scott Burke - FEX Contracting
3. Todd King - TR Insurance Marketing
4. David Duford - Duford Insurance Group

THESE are the people you need to be interviewing and weighing pros and cons with. Each of them will give you fair compensation, great training, and most importantly, they will be upfront and honest with you about what you need to do to be successful.
 
Concentrate on getting licensed. Nothing starts until you are licensed. If you feel comfortable with someone go with them as the best learning in the industry is to go through it.

As for research? That's another story. An experienced agent can easily bamboozle a new person because a new person really has no clue what questions to ask or what to look out for.

There are experienced agents who get got by IMO's/recruiters. So lean toward the agent contract rather than what someone says.
 
Is selling insurance a good career choice?
Yes, but only if you are with us! Haha.

On the independent side of insurance, if you are self-disciplined, structured, and committed to yourself and your clients you will make a comfortable living and feel great about helping others!


Is this tongue-in-cheek? :laugh:

Didn't read everything, but I will congratulate you on the questions put forward. New agents have no idea what questions to ask... and we all know that a well formed question is often the first step to being well informed.
 
Last edited:
Is selling insurance a good career choice?
Yes, but only if you are with us! Haha.

On the independent side of insurance, if you are self-disciplined, structured, and committed to yourself and your clients you will make a comfortable living and feel great about helping others!


Is this tongue-in-cheek? :laugh:

Didn't read everything, but I will congratulate you on the questions put forward. New agents have no idea what questions to ask... and we all know that a well formed question is often the first step to being well informed.

You know, I had no idea that was in there! :wideeyed:
 

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