I'm Concerned

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.
Nice job homie! I am always astonished by some young people to be able to manage so much so young. Having said that, you have to have a couple Million in annuities clients in that book. Depending what company you go through, that is 200-300k.
 
Nice job homie! I am always astonished by some young people to be able to manage so much so young. Having said that, you have to have a couple Million in annuities clients in that book. Depending what company you go through, that is 200-300k.
I'd like to think so. I called through my entire BOB after sending a nice big postcard to everyone, but no dice.

Like I mentioned, just that one small FE sale that lapsed.
 
Yes, that is what attracted me to the space. Renewals.

Got started selling Life only when I was 20 with an MLM "recruit recruit recruit!" outfit.

But after a year, got on outta there and got better comp + learned the health side of things.

The sad thing is, I am really not that profitable because of my expenses, rent, technology, marketing, etc.

Part of the reason I am concerned. My game plan was to scale back marketing end of 2026, but who knows now. May have to pivot heavily back into Life.

I am running ads that are converting right now, very cheap and decently high intent for $200/monthly+ premium life cases, but I hardly have time to work for them for all the aforementioned reasons.

Hope for the best I suppose!

---

But back to the renewals, my idea was to get up to 300 clients. Basically relax for 6 months out of the year. Possibly do some travelling etc. Just have a nice life at young age.
lol . That's what attracted all of us to this space .Nobodys telling you don't do this . But you've been given very solid advise to diversify fast into other areas of ins to protect yourself .
 
Yes, that is what attracted me to the space. Renewals.

Got started selling Life only when I was 20 with an MLM "recruit recruit recruit!" outfit.

But after a year, got on outta there and got better comp + learned the health side of things.

The sad thing is, I am really not that profitable because of my expenses, rent, technology, marketing, etc.

Part of the reason I am concerned. My game plan was to scale back marketing end of 2026, but who knows now. May have to pivot heavily back into Life.

I am running ads that are converting right now, very cheap and decently high intent for $200/monthly+ premium life cases, but I hardly have time to work for them for all the aforementioned reasons.

Hope for the best I suppose!

---

But back to the renewals, my idea was to get up to 300 clients. Basically relax for 6 months out of the year. Possibly do some travelling etc. Just have a nice life at young age.

That BoB, good will and reputation may become more valuable than the renewals.

You can take inbound calls from just about any breach in the world.

I wish I was 23 again.

Nah, I survived it once. I better not push it.
 
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.
The sky has been falling in this industry as long as I've been in it… and every time, the cream rises to the top… adversity doesn't destroy this business—it exposes who's willing to adapt and grow…

I've seen my biggest growth during "uncertain" times… and here's the reality: agents who stay hungry and embrace change come out stronger… the ones who coast or resist change are the ones who get left behind…

You're 23 with your whole career ahead of you… you've already built a great foundation—this isn't the time to worry about scaling or assistants… you don't need any of that until you're managing 700–1,000 clients… I managed my book entirely solo for years, and most agents do…

This is a challenging business, but also one of the most rewarding—if you see change not as a threat, but as an opportunity to get better, smarter, and faster… you're in the right place…
 
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