MetLife

[thakrazziewun]

I just recently went through Metlife's interviews and they have offered me a position. It's not set in stone yet, but i got the top 100 thing to do and they want me to come back in next week.

Anyway, They've offered about 600/week for 19 weeks; sounds good considering that i only make like 175/ week at my current job. My questions is first: Has anyone here work or is anyone working for metlife?

If so; then can anyone clue me in on how the whole commission thing works with them. I want to be prepared before i jump in and say yes. I am not worried about working on commission, i just like to be knowledgeable about situations.

Also, if anyone has metlife info then how do they handle their leads? Cold Call or what?

thank you all in advance.

 

[CHUMPS FROM OXFORD]

I just sent you a PM.

 

[NHB_MMA]

DO NOT let them grab your list of 100 and run with it until you are licensed and it will be YOUR (obviously via Metlife) business and commissions.

 

[NHB_MMA]

I just want to clarify and say I have a good impression of MetLife overall, but heard on the old forum that they are notorious for using you to get leads and if you make it great, if not they've got your warm market. This criticism can be true of any company.

MetLife should be a great opportunity if you take it and run with it. Just don't hand them, or anyone, a list of names until you're scheduled for training and your accepting a position is an absolute done deal.

 

[thakrazziewun]

thanks for the heads up on the list thing... honestly.. most people on my list will just blow anyone off who comes around... i'm still in school and only 20.. so most of my contacts are the same way... and most of us as studnets have all insurance coverage from parents... u know? and most older people in my list have retired and living well or still working and have everything already set in place... kind of sucks being young in this bussiness i guess... not having anywhere to really start... i will depend heavily on technology to fuel my sales.. becaseu when it comes to personal stuff my cell phone is full of ppl who only care about eating, sleeping, school, and cars... nothing more... so metlife can try to run with the list but find it would only get them voice mails and dail tones... thanks tho for the heads up....

 

[CHUMPS FROM OXFORD]

"voice mails and dial tones"

Unfortunately...sometimes you also get a lot of those when they are in their 40's!

 

[NHB_MMA]

thanks for the heads up on the list thing... honestly.. most people on my list will just blow anyone off who comes around... i'm still in school and only 20.. so most of my contacts are the same way... and most of us as studnets have all insurance coverage from parents... u know? and most older people in my list have retired and living well or still working and have everything already set in place... kind of sucks being young in this bussiness i guess... not having anywhere to really start... i will depend heavily on technology to fuel my sales.. becaseu when it comes to personal stuff my cell phone is full of ppl who only care about eating, sleeping, school, and cars... nothing more... so metlife can try to run with the list but find it would only get them voice mails and dail tones... thanks tho for the heads up....

If you can get students to do things like set up a Roth or other retirement plan, be it straight fund shares, VUL, or whatever, the monthly cost to achieve the long-term goal will be so much cheaper. Unfortunately, there is not a lot of money in some of those products, so it's more a building goodwill thing. Students might listen to you because they haven't been bombarded by the rest of us yet, but you'll have every bit as many tirekickers. You need to figure out how are you going to get to the outside market.

 

[thakrazziewun]

If you can get students to do things like set up a Roth or other retirement plan, be it straight fund shares, VUL, or whatever, the monthly cost to achieve the long-term goal will be so much cheaper. Unfortunately, there is not a lot of money in some of those products, so it's more a building goodwill thing. Students might listen to you because they haven't been bombarded by the rest of us yet, but you'll have every bit as many tirekickers. You need to figure out how are you going to get to the outside market.

it's not the money i am after in this business... ha ha.. well.. it is about the money to a point.. but mostly i just want to sell in a suit... sounds kinda funny but it is true... i have a stable job and i can do it well.. i run a small discount electronic shop at a local outlet mall.... and between those two and my car fabrications deals i make enuff to get thru school and then some... but going to school for business marketing is pointless without some experiecne... i'll never be able to run a "real" business reguardless of my education if i have no "real" experience... thanks tho guys for everything so far... i'm looking forward to interacting with ppl and trying to sell things... thanx

 

[joshril]

Met is going to be a rough place to work if you're 20. I started in the insurance at about your age and luckily I ran into a few good deals that kept me afloat until I learned the business. The nice thing about starting at your age is hopefully you don't have much personal debt and you can build a book of business that can really grow with you. IMO, health sales at 20 would be much easier than trying to build a book of life insurance business. It's hard to make a living selling term insurance to people under 30.

 

[SME]

As someone who got licensed at age 20 I'll give you this advice. Make sure you know everything forward and backward. One slip and your clients will jump ship. It's hard to be so much younger than the majority of your clients. Just remember to not let it intimidate you, they all started somewhere. Keep everything to the yes mama, and no sir responses, and LEARN as much as you can. Knowledge is what will make the difference between you and the seasoned veterans. Feel free to e-mail me if you want advice from someone who was there not so long ago.