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10 year advance on commissions? what?? i didnt know that's what you got
I thought it was about 200 for every member you enroll..
You're getting trolled.
I used to be a carrier rep for MA companies. After MIPPA got passed by congress (read: congress said a big ol screw you to Medicare agents) I got out. The marketing requirements are beyond ridiculous.
The product itself? Usually a piece of cake. Commissions? Usually pretty steady, sometimes a carrier will stop paying them in an area if they want to clean up the risk pool, but they're usually pretty consistent.
Work to commission ratio? Varies. If you have a good system (like some of the agents on here do) you can manage your time well and work really hard a few months a year and maintain a reasonable amount of income.
Liability? CMS is actively having a witch hunt for agents and it's very easy to get them pissed off. The rules change every year and basically center around making it extremely difficult and expensive for an agent to market (no cold calling, no door knocking, no seminars with food, etc).
It's also super competitive. I think the market is over-saturated with agents which drives up the cost of marketing for everyone. Carriers, agencies, and agents are all sending TONS of mail and it just creates noise. Some agents do well because they've really figured out their market and their marketing pieces, but there is definitely a learning curve.