newbie2001
Super Genius
- 246
First, happy 4th of July!
Just wanted to hop on my soap box here and talk about some things concerning, and hear from some more experienced agents.
1. I'm 23 and currently have 142 lives on my book. That's 91 Medicare and 41 ACA.
Obviously we are seeing massive changes with the new administration and passing of the "big beautiful bill" (I am not looking for this conversation to turn political).
I am more concerned for the future stability of the industry and my income. I have spent 50k+ to acquire all of these clients over the last 2 years, and continue to spend on marketing every single month. I have no debt but my eventual goal was to wrap it up at 300 clients and just work referrals.
But with comp cuts in the Medicare space on plans and plan suppression and major changes to ACA, I am unsure about the future.
I have essentially 0% churn on my book. Granted I have only had most of my clients for 2 years, but I am a very dedicated agent and keep in touch with my clients via multiple touchpoints throughout the year and answer the phone.
I just don't want all of this time and dedication to end up being for nothing as I work my a** to build this, and the rug is pulled out from under me.
I have a physical office that I keep year-round, of course, and an excellent reputation on Google with 60+ 5 5-star reviews
2. I also feel like I have basically "bought myself a job". My whole idea of getting into the industry and specifically the health space, was to have some type of passive or semi-passive income. Where I could travel a little bit and not be so worried about being on the sales hamster wheel, like you are in the life business to an extent. At the current moment, I feel like I have bought myself a job and don't know how to scale past the point of me managing every single operation in the business.
At the moment, I manage:
My CRM
Client Inquiries
Marketing
Sales
Admin work
Calls to Carriers
Contracting
New Agent Training (I have 1 agent who works with me strictly selling Life)
The problem is I don't make enough to afford anyone to help with any of this. I'm so busy working in the business that I can never work on the business.
I am also an FT university student and will be graduating here in the Fall, so that will take a load off. Additionally, I have also started running ads and selling Life products again, which eats up a lot of time as well, but has been profitable. I called through my existing BOB and sold one FE policy for $21 a month that lapsed
Based on my current growth, I will be at 200 or very close to 200 Medicare & ACA lives by the end of the year which is my goal.
----
Rant concluded, but any advice is appreciated.
Just wanted to hop on my soap box here and talk about some things concerning, and hear from some more experienced agents.
1. I'm 23 and currently have 142 lives on my book. That's 91 Medicare and 41 ACA.
Obviously we are seeing massive changes with the new administration and passing of the "big beautiful bill" (I am not looking for this conversation to turn political).
I am more concerned for the future stability of the industry and my income. I have spent 50k+ to acquire all of these clients over the last 2 years, and continue to spend on marketing every single month. I have no debt but my eventual goal was to wrap it up at 300 clients and just work referrals.
But with comp cuts in the Medicare space on plans and plan suppression and major changes to ACA, I am unsure about the future.
I have essentially 0% churn on my book. Granted I have only had most of my clients for 2 years, but I am a very dedicated agent and keep in touch with my clients via multiple touchpoints throughout the year and answer the phone.
I just don't want all of this time and dedication to end up being for nothing as I work my a** to build this, and the rug is pulled out from under me.
I have a physical office that I keep year-round, of course, and an excellent reputation on Google with 60+ 5 5-star reviews
2. I also feel like I have basically "bought myself a job". My whole idea of getting into the industry and specifically the health space, was to have some type of passive or semi-passive income. Where I could travel a little bit and not be so worried about being on the sales hamster wheel, like you are in the life business to an extent. At the current moment, I feel like I have bought myself a job and don't know how to scale past the point of me managing every single operation in the business.
At the moment, I manage:
My CRM
Client Inquiries
Marketing
Sales
Admin work
Calls to Carriers
Contracting
New Agent Training (I have 1 agent who works with me strictly selling Life)
The problem is I don't make enough to afford anyone to help with any of this. I'm so busy working in the business that I can never work on the business.
I am also an FT university student and will be graduating here in the Fall, so that will take a load off. Additionally, I have also started running ads and selling Life products again, which eats up a lot of time as well, but has been profitable. I called through my existing BOB and sold one FE policy for $21 a month that lapsed

Based on my current growth, I will be at 200 or very close to 200 Medicare & ACA lives by the end of the year which is my goal.
----
Rant concluded, but any advice is appreciated.